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SERVICES

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A modified self-funded pool has a particular advantage in light of current Affordable Care Act requirements and includes advantages from both modified self-funded and fully insured plans. This option allows the employer to decide on a benefit plan and then the group pays a fixed premium and if claims are lower than expected then a portion of the claims funding will be refunded to the group.

 

Under the Credit Union Employee Healthcare Pool, groups will be able to have rates based on their particular demographics and claims experience rather than the over state (community rating) average.

 

Estimates vary, but small group fully-insured premiums could increase by as much as 50%. Self-funded groups can avoid much of these increases and can save as much as $10 per member per month in just fees and taxes.

 

A great advantage for participating in the pool is that credit union groups will have the opportunity to assist in the management of their plans, including reviewing claims experience and utilization patterns and suggest plan design changes.

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Click here to learn more about EMI Health.

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Products & Services with current Preferred Partners:
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  • Group Medical 

    • TeleMed offered through WellVia​

  • Group Dental 

  • Group Vision 

  • COBRA Administration 

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  • Basic Life Insurance 

  • Voluntary Life Insurance

  • Accidental Death & Dismemberment 

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Additional Products & Services available:

  • Flex Spending Accounts

  • Health Savings Accounts 

  • Payroll Processing

  • HR Compliance 

  • Wrap Documents

Equitable Life Insurance
EMI Health Benefits
Clean Pool

 

  • Minimal subsidization due to risk tier

  • As the pool grows, it can accept or reject new groups based on risk

Network & Pricing

 

  • Most major hospital networks included (Utah used as example) - 34 Hospitals and 24 Urgent Care statewide in Utah, with 6,000+ doctors statewide

  • Cigna PPO for out-of-state services

  • Negotiated rates on established services

Three-Year Pool Commitment

 

  • One-month deposit on premium or $3,500, whichever is greater

  • Promotes stability and integrity to the pool

Completing the application process is simple. Click here to download the CUEHP Application Packet and return to gary@cuehp.com.

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