Real people. Real stories.
We mean it when we say that we’re on a mission to make affordable and predictable healthcare accessible for small businesses. Read real-life stories of employers and members.
More than just a $0 copay
$0 copay
Member saved $6,500 out-of-pocket
56% savings
Employer saved $58,500
Going above and beyond
A member was scheduled to have a heart ablation. Her local hospital in Kentucky wanted more than $117,000 for the procedure and would not budge on the price.
A Care Advocate secured a guaranteed, bundled rate with Johns Hopkins in Maryland for $52,000. When she told her doctor about the offer, he said he would go there too if he needed this procedure. But the member declined. "I’m 53 years old, and I have never been out of the state of Kentucky,” she said. “I have never been on an airplane.”
The Care Advocate talked to the employer, and they offered to pay the travel costs for the member plus her brother and sister, including a two-bedroom suite, car rental, and transportation to the hospital. The Care Advocate even put together a five-day itinerary to see the sights in Baltimore. The member agreed, and the siblings set off on their first-ever flight and first trip out of Kentucky.
She spent two days in the hospital and the rest of the time sightseeing. She was so thankful and said they felt like royalty throughout the trip. Best of all, she paid $0 for world-class care, and her employer saved $58,500 compared to the original quote from the local hospital.
$0 copay
Members saved $5,000 out-of-pocket
64% savings
Employer saved $95,000
Finding a better way
A 17-year-old boy needed a total hip replacement that would have cost $158,000 at a hospital near his home in central California.
A Care Advocate was able to get him a bundled rate of $58,000 at a hospital within driving distance that was top five in the country for the procedure.
His father agreed to switch facilities, and the Care Advocate arranged a hotel and paid for their mileage and meals. The teenager was in the hospital for two days and then discharged to the hotel, where both the physical therapist and surgeon visited him.
They stayed three extra days to make sure he was recovering well and then they drove home. The family paid $0, and the member and employer saved a combined $100,000.
The benefit of level-funded plans for small businesses
By switching to level-funded plans, these small businesses were able to dramatically reduce healthcare costs without compromising care.
Supermarket makes a switch
When a supermarket in New Mexico with fewer than 20 employees switched from a fully insured PPO plan to a level-funded VBP Plan, their projected savings were almost $88,000 over three years and their employees were able to continue seeing 94% of their current providers.
First year
$19,000
projected savings
Second year
$29,000
projected savings
Third year
$40,000+
projected savings
Medical firm saves with VBP
By switching to a level-funded VBP Plan, a Michigan-based company in the medical industry with 20 employees saved $110,000 over three years and their members maintained access to 95% of their current providers.
First year
$24,000
savings
Second year
$36,000
savings
Third year
$50,000+
savings
Food company moves to PPO
A food processor in Washington state with 30 employees moved from a self-funded TPA solution to a level-funded Navigator PPO Plan, and their projected savings were about $165,000 over three years.
First year
$35,000
projected savings
Second year
$54,000
projected savings
Third year
$76,000+
projected savings
What is level-funded?
Level-funded plans provide all the savings and benefits of self-funded plans but have the added benefit of a flat monthly rate.
