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Stratum Benefit Solutions Presentation
- 1. Covenant Care – An Affordable Self-Funded Alternative For Employer Groups of 25-250 Employees
- 4. The Health Care Dilemma
- 16. Spaggregate Advantages Fully Insured Spaggregate Self-Funded Capped Funding Yes Yes No Lasers No No Yes Access to Claim Experience No (under 100 EE’s) Yes Yes Premiums Fixed Fixed Variable Cash Calls None None Weekly funding of claims up to specific per member Administration Higher Cost, Less Service Lower Cost, Great Service Lower Cost, Great Service Potential for year end savings No Yes Yes
- 18. Covenant Care Plan Design Comparison Premier Plan Plus Plan Access Plan Plan Maximum $5,000,000 $5,000,000 $250,000 Deductible $500 $1,500 $1,000 Coinsurance 80/20 to $12,500 100% after deductible 50/50 to $10,000 Office Visit $20 / $40 100% after deductible $20 / $40 RX Benefit $10 / $25 / $50 100% after deductible $10 (Generic Only) Maximum OOP $3,000 $1,500 $6,000
- 19. Hitting The Mark In Controlling Healthcare Costs The Covenant Care Advantage Covenant Administrators Insurance Protection Medicor Bravo Delphi-MAP Tela-Doc/ Care Here Customer