Who says you can’t have a premium health plan without paying a premium for it?  Navigation Health Plans are level funded or self-insured health plans that have incorporated the strategic health plan and cost containment solutions featured on this site. With Navigation Health Plans you can now offer your small, mid-sized and large groups a more competitively priced health plan with better benefits, no disruption, and with a superior member experience.

Plan Features

  • Care Navigation / Member Concierge
  • Custom High-Performance Networks
  • Provider Real-Time Cash Payment
  • Transparent PBM/Specialty Drug Programs
  • Top-Quality Third-Party Administration
  • Cost & Quality Metrics
  • Reporting & Data Analytics
  • Second Opinions
  • Bundled Payments
  • Value-Based Pricing (VBP) Direct
  • Population Health Management
  • Virtual Medicine
  • All-in-One Benefits App
  • Stop Loss Partners

For more details on any of the plan features listed above please see the Health Plan Solutions page.

Plan Highlights

Level Funded Health Plans

►25 or more covered employees
►100% of claims surplus retained by the employer
►Curv and/or Verikai underwriting
►No claims experience or IHQs necessary
►Great for transitioning out of fully insured
►Multiple plan design options

  • Zero deductible
  • All copay plans
  • HSA Plans
  • PPO & VBP options

►Generous broker/advisor commissions

Self-Funded Health Plans

►75 or more covered employees
►Customize cost containment features
►Custom plan designs
►Curv and/or Verikai underwriting available
►Custom broker/advisor commissions

Quote Submission Guidelines

►Group name, address(es), SIC code, the effective date
►Member-level census of all eligible employees and dependents including (if  no experience or IHQs available) ​

  •    First and last name
  •    Birthdate
  •    Gender
  •    Home Address (if available)
  •    Zipcode employee resides in
  •    Coverage type (single, EE/SP, EE/CH, Fam) 
  •    Relationship to employee
  •    What plan the employee is participating in (if more than one plan offered)
  •    COBRA or Retiree status 

►Current plan design(s)​
►Current and renewal rates (if available)​
►Claims experience for groups currently self-funded or if available ​
►Individual health questionnaires for any group size if no current coverage is offered or if available ​

Navigation Health Plans are available for quoting.  For questions, quotes, or more details on Navigation Health’s level funded or self-funded plans or to discuss strategy about a particular group please contact Chad Olson at [email protected] or 602.692.1109.