Employer Aggregate Protector (EAP)
Our EAP works hand-in-hand with high deductible, fully insured plans. The employer uses savings to invest in a self-funded plan below the high deductible that will now meet the needs of the group for a lower deductible. This plan allows the employer to reap the benefits of a good claim year and have protection against a poor one.
- A fully-insured HDHP will generate premium savings
- Increased control over rising healthcare costs
- Employer freedom to design their plan with the flexibility offered by a self-funded plan