Virtual urgent care
Help members resolve common needs before they become urgent care or ER claims.
Level-Funded Health Plans
Protect Level-Funded Plan Performance With Care Redirection.
HBS helps level-funded employers reduce avoidable claims activity by giving members a practical virtual care option before costly care pathways begin.
Plan Performance
Level-funded plans still need active cost containment.
Level-funded plans can reward better claims performance, but they also expose employers to the impact of avoidable utilization. Routine care needs can become expensive when members start in the wrong place.
Health Benefit Strategies gives employees access to virtual primary care, urgent care, mental health, pharmacy, and weight health support as an EAP-like benefit that sits outside the health plan.
That means employers can keep their current plan and broker relationship while adding a dedicated strategy for redirecting care and improving utilization.
How HBS Helps
A practical savings layer outside the plan.
Virtual primary care
Give employees a more accessible first step for ongoing care and navigation.
Pharmacy and support
Extend care beyond the visit with pharmacy benefits and whole-person support.
Why It Matters More for Level-Funded
Your claims performance decides what you pay next year.
Level-funded plans reward employers who keep claims low: run better than expected and you may receive a surplus refund; run worse and your renewal climbs. That makes avoidable utilization the single biggest lever you control.
The problem is that most of the utilization driving up a level-funded plan's loss ratio is routine — urgent care visits for things a virtual consult could resolve, ER trips for non-emergencies, office visits for prescription refills. Each one is an avoidable claim counted against your plan's performance.
HBS gives members a faster, zero-cost place to handle those needs. Because the platform sits outside the health plan, every redirected visit is a claim that never touches your loss ratio — protecting your surplus, your renewal, and your members' deductibles at the same time.
And because the program is funded through SIMERP tax savings, it adds this protection at no net cost to the company or employees.
Common Questions
Level-funded employer FAQ.
How does HBS affect our level-funded surplus refund?
Level-funded surplus refunds and renewal rates are driven by claims performance. Every routine visit that happens on the HBS platform instead of an ER, urgent care center, or office visit is a claim that never hits your loss ratio — which directly improves your chances of a surplus refund and a favorable renewal.
Will this disrupt our carrier or level-funded arrangement?
No. HBS sits entirely outside your health plan. Your carrier, stop-loss protection, network, and plan documents stay exactly as they are.
We're a smaller company — is HBS still a fit?
Level-funded plans are common among small and mid-sized employers, and the HBS program scales to fit. The savings mechanics work the same way at any size: redirected care reduces claims, and the SIMERP funding structure generates tax savings. Run the free savings calculator to see estimates for your headcount.
How does HBS help at renewal time?
HBS provides utilization and engagement reporting that documents redirected care. That gives you and your broker concrete evidence of active cost management to bring to renewal conversations with your carrier.
What does the program cost a level-funded employer?
There is no net cost. The program is funded through tax savings under a Self-Insured Medical Expense Reimbursement Plan (SIMERP), so neither the company nor employees pay out of pocket.
Curious what this looks like for your group? Run the free 60-second savings calculator →
Related Resources
Explore the broader HBS strategy.
These pages show how virtual care supports different parts of an employer benefits strategy.
Want to improve level-funded plan performance?
Schedule a discovery call to see whether HBS fits your current plan strategy.