Level Funded Medical
Flexible. Transparent. Cost-Smart.
Your Partner For Transparent, Cost-Controlled Solutions
Level Funding is a strong choice for employers who want transparency and control of healthcare costs, clear insight into claims, and less impact from state mandates. It works best for groups with stable or somewhat predictable claims and for companies that value both benefit flexibility and predictable monthly costs. With stop-loss insurance, your exposure to large, unexpected claims is capped, so your financial risk is limited to fixed monthly payments.
At Warner Pacific, our team members are well-versed and experienced in Level Funding. We’ll give you the expert guidance you need to determine which clients are a good fit for this type of plan and how to get started. Contact us today.
What is Level Funding?
Level Funding blends the best of self-insured and fully insured plans. The fixed monthly premiums pair with the potential for a year-end surplus if claims are lower than projected.
Level Funding has three key parts: (1) A fund that pays for employees’ medical claims. (2) Stop-loss insurance that caps financial exposure on high-cost claims, financially protecting employers. (3) Admin fees that pay the carrier or a third party for managing the Level Funding plan.
Level Funded Medical Plan Partners
Our strong partnerships with top carriers give you access to a wide range of exceptional Level Funded plan options, while our experienced Sales Consultants provide the expert guidance and information you need to make confident, informed decisions.
39North | Level Funded Medical
Aetna | Level Funded Medical
Allied National | Level Funded Medical
AmeriHealth | Level Funded Medical
Angle Health | Level Funded Medical
Anthem Blue Cross Blue Shield | Level Funded Medical
Anthem Blue Cross | Level Funded Medical
Antum | Level Funded Medical
Apex Management Group | Level Funded Medical
Assured Benefits Administrators | Level Funded Medical
Banner | Aetna | Level Funded Medical
BCBS Alabama | Level Funded Medical
Blue Cross Blue Shield of AZ | Level Funded Medical
BlueCross BlueShield of Illinois | Level Funded Medical
BlueCross BlueShield of TX | Level Funded Medical
Boulder Admin | Level Funded Medical
Cigna | Level Funded Medical
Clearwater | Level Funded Medical
Contractor's Health Trust | Level Funded Medical
Florida Blue | Level Funded Medical
Gravie | Level Funded Medical
Healthcare Highways | Level Funded Medical
HealthPartners | Level Funded Medical
Horizon | Level Funded Medical
IBA | Level Funded Medical
Kaiser Permanente | Level Funded Medical
Memorial Hermann | Level Funded Medical
MotivHealth | Level Funded Medical
Nationwide | Level Funded Medical
Optimyl Benefits | Level Funded Medical
Redirect Health | Level Funded Medical
Sana | Level Funded Medical
SBMA Benefits | Level Funded Medical
Select Health | Level Funded Medical
Texicare | Level Funded Medical
Trustmark | Level Funded Medical
UnitedHealthcare Oxford | Level Funded medical
UnitedHealthcare | Level Funded Medical
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Why Warner Pacific?
Offering the right employer‑sponsored health plans means giving clients access to a wide range of quality options. Warner Pacific partners with an extensive network of carriers to deliver Level Funded health plans that provide:
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Cost predictability
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Claims transparency
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Reduced exposure to state mandates
With Warner, you’ll be equipped to find the best fit for every client.
