Preset monthly payments -  based on the number of covered employees, the total cost represents the maximum you will pay:

• Payments do not fluctuate based upon claims experience
• Total cost is comprised of claims funding, premium and administrative fees

Prefunded terminals - collected in your first year, terminal funds cover claims incurred prior to termination and submitted afterward, so you know your costs upfront and there are no surprises.

Detailed Reporting

Client-specific claims reports - employers have online access to monthly health plan performance reports that track exactly how claims dollars are being spent. Your broker at DFA can then help you use these reports to determine where to make plan design changes that control costs now and in the future.

Savings Potential

An annual claims amount is determined based on the plan design and number of employees.  When your employees' claims are less than the annual claims funding you have paid in, your company benefits by receiveing a refund.

Flexibility in Plan Design

Level funding allows the employer to design a plan that fits employees' needs. Rather than selecting from the cookie-cutter plans offered by traditional insurance companies, you can design an affordable solution that makes sense. You also have the ability to change your plan based on the information presented in health plan reports.