Manage the Predictable.
Insure the UnPredictable.
A smarter healthcare strategy can reduce costs, improve plan performance and protect your organization against catastrophic claims.
REDUCE COSTS
IMPROVE PERFORMANCE
PROTECT YOUR PLAN
Address everyday healthcare expenses before they become unnecessary plan claims.
Fewer avoidable claims can mean better overall plan performance.
Build financial protection around the large, unpredictable events you can't control.
Not Every Healthcare Dollar Needs to Be an Insurance Dollar.
Insurance is incredibly valuable for large, unpredictable events.
But many everyday healthcare expenses are predictable and may be managed more efficiently.
These can include:
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Primary and routine care
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Common prescriptions
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Lab work
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Telehealth
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Urgent care
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Preventive care
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Healthcare navigation
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Chronic-condition management
Through properly structured employer-sponsored arrangements, including Section 105 reimbursement strategies where appropriate, certain healthcare expenses may be delivered or managed outside the traditional claims pathway.
The Result?
Fewer claims unnecessarily hitting the primary health plan and a healthier overall healthcare funding strategy.
MANAGE THE PREDICTABLE
Address everyday healthcare needs through cost-effective programs designed to improve access while controlling utilization and cost.
Primary Care | Rx | Labs
Telehealth | Navigation
The objective is simple:
Use the most efficient healthcare dollar for predictable healthcare expenses.
CONTROL THE CLAIMS
Some claims will inevitably reach the primary health plan.
When they do, SBA evaluates strategies designed to improve what the organization ultimately pays.
These may include:
Networks | PBM Strategies | Plan Design | Navigation | Cost Containment
The goal isn't simply fewer claims.
It's better-performing claims.
PROTECT AGAINST THE UNEXPECTED
Some healthcare events simply cannot be predicted or prevented.
Cancer | Transplants | NICU.
Major surgeries | Specialty medications.
That's where insurance and risk transfer become incredibly valuable.
SBA evaluates strategies including:
Stop-Loss | Captives
Alternative Funding | Rate Protection
The objective is to protect the organization financially against the claims it cannot reasonably control.
Why This Matters
Your renewal isn't just about which insurance company offers the lowest quote.
Your organization's claims experience and underlying risk can have a significant impact on healthcare economics—particularly for organizations using self-funded and alternative-funded strategies.
A smarter healthcare strategy attempts to improve the underlying economics before the next renewal arrives.
FEWER AVOIDABLE CLAIMS
Reduce unnecessary utilization and redirect appropriate healthcare to more cost-effective settings.
BETTER CLAIMS PERFORMANCE
Keep predictable healthcare expenses from unnecessarily burdening the primary medical plan.
GREATER COST CONTROL
Organizations using self-funded or alternative funding strategies may benefit more directly when actual claims perform better than expected.
BETTER LONG-TERM STRATEGY
Instead of reacting to another renewal every year, build a healthcare strategy designed around managing risk year after year.
But What About the Big Claims?
That's what insurance should be protecting.
Cancer | Transplants | NICU | Major Surgery | Specialty Medications
Catastrophic healthcare events aren't something an employer can simply eliminate.
And that's the point.
The goal isn't to eliminate insurance.
It's to use insurance strategically.
Why rely on the same funding mechanism for a routine prescription and a $500,000 cancer claim?
SBA helps organizations manage the healthcare expenses they can control while building financial protection around the risks they can't.
REDUCE
We evaluate your current plan, claims experience, and risk profile.
MANAGE
We design a Three Year Rate Lock solution built around your goals.
PROTECT
Your monthly rate is locked in for 36 months and 3 entire plan years.
STABILIZE
You enjoy stability, confidence, and long-term predictability.
We Don't Sell a One-Size-Fits-All Program.
Different organizations have different employees, claims, risks and financial objectives.
That's why SBA doesn't begin with a predetermined healthcare management product.
We begin with your data.
Depending on the organization, the strategy may incorporate:
Self-funding
Captive solutions
Stop-loss protection
Alternative funding
Multi-year rate protection
Section 105 reimbursement arrangements
Healthcare management programs
Pharmacy strategies
Healthcare navigation
The objective isn't to add another benefits product.
It's to build a better healthcare funding strategy.
Compliance Matters
Innovative healthcare strategies only make sense when they're properly structured.
SBA works with organizations and appropriate benefits, administrative, legal and compliance resources to evaluate whether a proposed strategy is appropriate for the organization's particular circumstances.
We look at the economics, claims impact and structure before recommending a solution.
Because a strategy isn't smarter if it creates unnecessary risk somewhere else.