Click Here to Download the Small Business Employee Census Form (Microsoft Excel).
| The Answer |
Employer Aggregate Protector
- Employer selects high deductible fully insured plan
- Employer uses premium savings to set-up self-funded plan under the high deductible plan to meet the specific needs of the group for a lower deductible
- The fully-insured plan offers protection for a small percentage of participants with large or catastrophic claims
- Employer Aggregate Protector re-insurance protects the employer for the self funded claims under the high deductible fully-insured plan
- Employers get the freedom to design their plan with the flexibility and choice offered by a self-funded plan