Health coverage built for CFO's, approved by HR

We can onboard most clients in as little as 60 days ahead of plan renewal. We find it advantageous to start most conversations 90 days ahead of renewal, however, to give our plan design experts enough time to understand your company and objectives to build the perfect plan for you.

Flume Health can implement either reference-based pricing or network plans by renting national or local networks to ensure the right provider access for your team. We encourage our members to visit Flume Community™ providers to ensure a high-quality, low-cost encounter without the possibility for surprise billing.

Here are some of the networks we work with and can implement for you around Flume Community:

Flume plans are designed for self-funded employers with or without stoploss reinsurance. As a result most of our customers have at least 100 employees. If you are a smaller employer, ask us or your broker about working with Flume Health's insurance captive specifically for companies with 50-250 lives.

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Designed for companies and employees who demand more - our plans are different.

Here's what's the same:

• Claims funds are managed similarly to other TPA's with weekly funding requests
• We are integrated with many of the partners (and networks) you already love
• We create plans with accumulators you're familiar with (copay, deductible, coinsurance)

Here's what changes:

• To waive their deductible, members may have to change providers if their current physician has not yet joined Flume Community™ (otherwise full deductible and coinsurance apply)
• Certain visits require precertification (some services greater than an office visit)
• We may recommend a different provider network than the one you're used to
• You will have full access to your real time plan data

Throughout the sales, implementation and open enrollment process, you will have complete support with a dedicated account manager. In most cases, employees are able to access care they previously delayed or avoided because they couldn't afford it.

Flume Health plans average $5,646 in savings year 1, and then tend to perform better the longer you use them.

This happens because our plans structure a pathway for members to seek care at a low out-of-pocket cost. Because it’s more affordable, members proactively seek preventative and diagnostic services - creating a health flywheel. As a result, our plans see reduced utilization of ER, and we observe lower costs to treat chronic diseases.

We recommend you implement specific stoploss reinsurance coverage, and aggregate coverage for smaller groups - which protects you in a catastrophic year. Your worst-case scenario is always known and modeled before the plan year starts.

A lot less.

For fixed costs, Flume Health is committed to Total Transparency. We charge a fixed per-employee-per-month administrative fee, and won't accept any additional charges related to stoploss premium, Rx, or other third party costs.

Our fees are set at standard industry TPA rates - though they may appear higher than some of our competitors because we don't accept additional commissions or under-the-table payments.

We sign a Transparency Pledge for every client we work with.

Yes, we actually prefer to involve your broker, consultant or advisor early in your evaluation process.