Small Business Benefits

Reference-Based Pricing

Not just for large groups anymore

We offer an innovative strategy to the smaller group market to provide cost control and freedom of provider choice: reference-based pricing. Leveraged by large employers for years, reference-based pricing reimburses providers for a healthcare service based on a Reasonable Fee, which is typically calculated at a multiple of the Medicare reimbursement rate.

Information and Statistics

We were rated #1 for several reference-based pricing attributes, including Overall Experience.

- 2018 Broker Survey administered by The Dieringer Research Group

We were rated #1 for several reference-based pricing attributes, including Overall Experience.

- 2018 Broker Survey administered by The Dieringer Research Group

Check out our video

Learn more about how reference-based pricing pairs cost-savings and freedom of provider choice1 for an affordable and comprehensive major medical health benefit plan design.

3 important things to remember

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Cost control

Employers and employees can save with this approach.

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Freedom of provider choice

Covered employees can select any doctor or hospital in the United States.1

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Reasonable Fee

Providers are reimbursed the Reasonable Fee, calculated at a multiple of the Medicare reimbursement rate, for most healthcare services.