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Balanced funding is like a conventional self-funded plan, but with less risk. ABF offers fixed monthly payments regardless of claims, but when group usage is lower than expected, a credit is issued toward future premiums.
The most common type of alternative funding plan is the self-funded Administrative Services Only (ASO) plan. Fixed monthly costs for these options are significantly lower than fully insured plans, the financial risk is also greater. ASOs are recommended for large groups with the financial resources to tolerate fluctuations in monthly claims costs.
Anthem also offers Stop-Loss options that put a threshold on the maximum amount of annual claims costs paid by your business.
Help Employees Save More With a Group Health Expense Account
Anthem has a variety of flexible spending and health account options in Connecticut to fit your small or large business needs. Our seamless account management tools help make health spending decisions easier.
Health Savings Account (HSA)
Health Reimbursement Account (HRA)
Flexible Spending Account (FSA)
Group Labor & Trust
Learn about cost-effective options that preserve rich benefits for your union members. Anthem Labor and Trust ensures Taft-Hartley and multiemployer funds have the group medical benefits they need at an affordable price.
Group Retiree Solutions
Learn about flexible funding options for your retiree population. Anthem offers prescription plans, PPOs, HMOs, health & wellness programs, plus vision, dental and hearing. Our staff is dedicated to working with older adults.