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ATTENTION AGENTS!
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for your own personalized
...brought to you by Client First
Click the button
for your own personalized
...brought to you by Client First
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In today's small group market, choices and flexibility are not easy to find.
That's why we are pleased to offer you ClientFirst Health Plans.
That's why we are pleased to offer you ClientFirst Health Plans.
Attention Agents! Log In now for additional information on ClientFirst Health Plans! Login Now | Register
Forms and Documents
Visit the FORMS section of this website for
Plan Brochures, Enrollment Materials & MORE!
Medical Network - PHCS or OneNet
The websites above enable you to view more
information on each network and Search for a Provider!
Search for Dental Providers
Search for a participating dentist in your area!
Visit the FORMS section of this website for
Plan Brochures, Enrollment Materials & MORE!
Medical Network - PHCS or OneNet
The websites above enable you to view more
information on each network and Search for a Provider!
Search for Dental Providers
Search for a participating dentist in your area!
ClientFirst Health Plans offer:
- Groups of 5 (Five) or more employees*
- Groups can offer up to 4 plans.
- Health Reimbursement Arrangement (HRA) and Health Savings Account (HSA) options
- Network: PHCS (http://www.multiplan.com)
OneNet (http://www.onenetppo.com) - Available NOW in:
- Maryland
- DC
- Virginia
- Pennsylvania and
- West Virginia
- Coverage in Additional States COMING SOON!
*A Client First Sales Manager must be present at time of
presentation or at closing of sale for groups with 5-9 employees.
presentation or at closing of sale for groups with 5-9 employees.
We are able to provide the following
group health benefits to our qualifying clients:
- Greater Potential Claims Fund Savings for Employers
- More Choices for Employees
Now Administered by Client First National, Inc.
Our wholly owned TPA, focuses on quality, competitive rates and employee satisfaction.
For an employer (or Plan Sponsor) to understand the difference between typical “fully insured”
health plans and self funded health plans, it is easier to first discuss the typical buying arrangement:
health plans and self funded health plans, it is easier to first discuss the typical buying arrangement:
"Fully Insured"
An employer, or plan sponsor, simply facilitates the purchase of a group contract that insures each of his employees directly. In essence, the insurance certificate contains an insuring clause or a promise to pay benefits. The insurance carrier makes this promise to each employee. The Plan Sponsor simply facilitates the purchase of the group contract for purposes of benefit selection, rate guarantees, and premium collection.
An employer, or plan sponsor, simply facilitates the purchase of a group contract that insures each of his employees directly. In essence, the insurance certificate contains an insuring clause or a promise to pay benefits. The insurance carrier makes this promise to each employee. The Plan Sponsor simply facilitates the purchase of the group contract for purposes of benefit selection, rate guarantees, and premium collection.
"Self Funded" plans work differently. The
employer, or Plan Sponsor, makes the promise to
pay benefits to each employee, and then purchases
administrative services (handling the money and the
paperwork) and stop-loss insurance to protect the
Plan for unexpected financial obligations of that
promise.
As the Plan Sponsor, you keep the profits from good health plan
experience and are protected against excessive costs in years of
high claims. After all why would you want an insurance company to
keep all the profits in the good years, when you know they will still
charge you more for the bad years? It's time that you take control of
your healthcare plan.
NOTE:Self-funded health benefit plans are regulated by the Department of Labor and according to the laws and regulations of ERISA as amended, as well as other federal laws and regulations (such as COBRA and HIPAA) pertaining to employer sponsored health benefits rather than local insurance laws. This more standardized set of regulations provides enhanced ability to provide cost effective health benefits to your employees.
In addition, a portion of your monthly contribution to your health benefit plan is deposited to a claim fund on your behalf. There is a potential for return from this fund when this fund is not exhausted by your claims experience.