Caps Risk • Consistent Plan Costs • Handles Benefits Administration for You

The Grocer’s Level-Funded Program combines the best features of traditional group health insurance and self-funded plans.

Employer’s Claim Fund

• You set aside cash for projected healthcare costs in your Employer’s Claim Fund
• When employees have covered medical claims, they are paid out of your employer’s claim fund

Excess Stop-Loss Coverage

• You will never be obligated to pay more than the monthly pre-determined set amount of your employer’s claim fund
• If your claims exceed the amount in your employer’s claim fund, your “excess stop-loss” policy will cover any additional eligible claims. At the end of the policy year, we’ll review your claims vs the employer’s claim fund. One of two things will happen:

• If your claims are less than what you set aside, you keep the remaining funds
• Your excess stop-loss coverage kicks in if your claims exceed what you set aside

Monthly Plan

Benefits Administration

• We’ll handle the administration such as paying claims through a TPA