Introducing Purust Health,
a Revolutionary Level-Funded Health Plan
Your health plan, your way—because better care and cost savings start with better design.
Get Purust Health!
Are you frustrated by a lack of control over your health plan design and cost?
Better yet... when was the last time your fully insured health plan refunded you for unused claims?
Your medical plan costs are increasing every year forcing your business to choose between offering comprehensive benefits or staying within budget. If you are one of the many companies passing these costs to employees or reducing benefits with fully insured health plans, you can face a loss of talent, ultimately hurting your bottom line.
But it doesn’t have to be that way with Hilb Group‘s level-funded health plan.
Discover Purust Health.
Pure Control. Pure Savings. Pure Care.
Traditional health plans often come with hidden fees, minimal cost transparency, and limited flexibility. Why? Because these plans often involve significant conflicts of interest, where a Pharmacy Benefit Manager (PBM) owns the insurance carrier or Third-Party Administrator (TPA), or the relationship is reversed. This lack of separation eliminates checks and balances and removes any real incentive to manage costs effectively for your business.
In contrast, level-funded plans offer greater predictability and control over costs compared to traditional group health plans.
Our simplified, all-in-one approach combines a level-funded health plan, supplemental health coverage, and best-in-class medical care in a single solution. If you want to keep costs down* without sacrificing quality, Purust Health is here to deliver unmatched value. Level-funding allows us to manage costs effectively while providing transparency and better control over your employee health benefits.
How We Created Purust Health Level-Funded Health Plan
What Makes Purust Health Different?
Designed for Your Success—Not Big Profits
Purust Health revolutionizes the way health plans work. Every aspect of Purust Health focuses on reducing unnecessary spending and maximizing savings for your business and employees. By offering solutions that cap costs and better manage unexpected high claims, Purust Health helps mitigate financial risk for your business.
Potential Significant Cost Savings*
- Lower Premiums* by Design: You can build your custom medical plan by selecting your network and deductible.
- International Prescription Sourcing: We source medications globally to secure more affordable options.
- Full Drug Rebate Returns: We pass every dollar saved through prescription rebates to your business.
- No Hidden Pharmacy Costs: Unlike traditional providers, our pharmacy benefit manager has zero “spread pricing.”
- Claims Control: Purust Health manages employee health claims directly, providing flexibility and potential cost savings* if claims remain below a specified threshold. Purust Health protects against higher than expected claims by limiting your liability and using mechanisms like stop-loss insurance and redirecting small claims to the built-in supplemental health plan.
- 100% Claims Surplus Returns: Funds you don’t use come back to you. No other major carrier does that.
Unmatched Flexibility
- Eight Deductible Options: Choose a deductible ranging from $0 to $9,200 to fit your employees pockets and your budget.
- Wider Selection of Plan Designs: Offer up to five customizable plan designs to meet your diverse employee needs including HSA-compatible options and no-deductible PPO plans. Most traditional medical plans limit your number of plan options.
- Five National Network Providers: Access leading PPO networks including Aetna, Cigna, Medcost, Private Healthcare Systems (PHCS), and First Health.
Exclusive Primary Care Features
Advanced Primary Care at No Extra Cost: Same-day access to primary and urgent care, and specialist consults via telehealth and 24/7 messaging, with $0 co-pays and $0 deductibles. Plus, hands-on care coordination is included to ensure your employees get high-quality, in-network referrals so they are no longer faced with financial barriers to being their healthiest.
- Waived Costs for Key Services: Enjoy the following services and products for free when leveraging Purust Health primary care coordination:
- Advanced imaging such as CT scans and MRI’s
- PET scans
- X-Rays
- Blood work
- Durable medical equipment
- Diabetic supplies
- Included Mental Health Benefits: Your employees can access complimentary private counseling services at $0 out-of-pocket cost and $0 deductible eliminating the financial barrier to receiving the care they need. Prioritizing their well-being not only fosters a healthier, more engaged workforce but also drives increased productivity and job satisfaction—directly benefiting your organization’s success.
Complete Transparency
- Full Cost Breakdown: Understand where every dollar goes, from claims administration, prescription costs, to broker and PBM compensation.
- Employer Control: Gain total visibility into your health plan investments by accessing your claims data and plan structure.
Convenience of a Single ID Card
- All-in-one Solution: Employees use only one card to handle all medical and supplemental claims. With our streamlined process, claims hassles are dramatically reduced.
What Our Clients Say...
Why You Need Purust Health Level-Funded Health Plan
Take control of your medical plan’s cost while improving quality of care. Purust Health operates as a level-funded health plan offering significant benefits such as premium tax savings* and affordability for employees.
Enjoy cost transparency, design flexibility, and personalization that traditional carriers don’t offer.
Stop losing employees to companies with better benefits.
Transform your health plan today. Say goodbye to overpriced, cookie-cutter solutions and hello to custom healthcare built for your and employees' budgets.
Start a no pressure conversation because your employees deserve better—and so does your business.
Frequently Asked Questions
A level-funded health plan is a type of health insurance that merges the best aspects of fully insured and self-insured models. It allows employers to pay a fixed monthly premium to cover employee health costs, while also providing cost savings with a safety net of stop-loss insurance to protect against unexpectedly high claims. This innovative approach offers the predictability of traditional insurance with the flexibility and cost control of self-funded plans, making it an ideal choice for businesses looking to optimize their health benefits.
In a level-funded health plan, employers pay a fixed monthly premium to cover employee health costs, administrative fees, and stop-loss insurance. The premium is typically lower than that of a fully insured plan, and employers may also receive a surplus refund if actual claims are lower than expected. The plan is typically administered by a third-party administrator, who handles claims and provides support to employers and employees. This structure not only helps manage financial risks but also ensures that employers have a clear understanding of where their money is going.
Employers with 10-500 employees may find level-funded health plans to be an attractive option. These plans offer the predictability and financial protection of fully insured plans, while also providing the flexibility and cost control of self-insured plans. Additionally, level-funded plans can be customized to meet the specific needs of the employer and their employees, making them a great option for small to medium-sized businesses. With the ability to tailor the plan design and manage costs effectively, level-funded health plans provide a comprehensive solution for businesses looking to offer quality health benefits without breaking the bank.
*COVERAGE DISCLAIMER: These statements do not amend, modify, or supplement any current or future insurance policy. They are not a guarantee of savings or services but reflect past client and broker experiences in the states where we are licensed. All clients and coverages are unique. Your results can and will vary. Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. If there is a discrepancy between information contained herein and your policy, your policy takes precedence. Consult the actual policy or your licensed agent for details regarding terms, conditions, coverage, exclusions, products, services, and programs which may be available to you.
GENERAL INFORMATION DISCLAIMER: Statements on this website regarding insurance policies and coverages and other content provide general information only. There is no intentionally misleading information contained in this website, however, Hilb Group, provides no warranty as to their accuracy. We will endeavor to correct or clarify any incorrect information. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.