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A new plan for self-funded employers, powered by transparent architecture

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Give Your Clients a Health Flywheel

Flume runs a transparent self-funded plan that costs 30% less than Major Insurance Carriers and gives employees a benefit they can actually afford to use, so they get healthier

Flume plans save employers an average of $5,646 per employee*

*Compared to their existing fully insured or ASO self-funded carrier plans
Here's where savings are unlocked in a Flume Health plan
1

35%

$1,976

Network Optimization

Legacy PPO networks lock employers into opaque provider contracts, often reimbursing at 3-6x  Medicare rates.

Replace with a fair, transparent process (reference pricing + direct contracting)

35%

2

25%

$1,411

Medical Mgt

Proactive medical management means members get the right care at the right place
3

15%

$846

Stop Loss

Modern carriers grant Flume plans favorable terms versus traditional carriers
4

10%

$564

PBM

Transparent, fiduciary PBMs maximize coupons and return rebates to plans automatically
5

6%

$338

FWA

Our algorithms protect you from the 8/10 hospital bills that contain some kind of error
6

6%

$338

DPC/Onsite Clinics

A dedicated physician means earlier diagnosis and better population management
7

3%

$169

Ancillary

Centers of Excellence (COE), telemedicine, air ambulance, dialysis, international Rx, and other programs
1

3%

$118

Ancillary

Centers of Excellence (COE), telemedicine, air ambulance, dialysis, international Rx, and other programs
2

6%

$237

DPC/Onsite Clinics

A dedicated physician means earlier diagnosis and better management
3

6%

$236

FWA

Our algorithms protect you from the 8/10 of hospital bills that contain some kind of error
4

10%

$394

PBM

Transparent, fiduciary PBMs maximize coupons and return rebates to plans automatically
5

15%

$591

Stop Loss

Modern carriers grant Flume plans favorable terms
6

25%

$985

Medical Mgt

Integrated UR/UM means members get the right care at the right place
7

35%

$1,379

Network

avoid price gouging fee schedules on insurance carrier networks
Get in Touch

We Put Advisors in the Driver's Seat

Features that matter most

We work with the partners you already love

And we are constantly adding new integrations. Let us manage the health plan supply chain so you don't have to

Dynamically add solutions to customize the plan for your clients. The Flume Concierge acts as the quarterback, with just one number to call for all partners, and drives engagement to the members who need it most

Information On-Demand

Real-time data is key to making the right decision. We give you and your clients access to all live claims, eligibility, and partner data (Rx + Medical) in one place and we help you analyze it for continuous improvements

Plus you get started with our digital onboarding portal. Say goodbye to paper, email threads, and faxes

Real information, no spin

  • Transparent fee structures - we sign a pledge for every client, and we think everyone should
  • We never accept commissions on stoploss, kickbacks on pharmacy, or other under-the-table payments common in healthcare
  • Continuous, unrestricted access to your data with real-time claim information

Introducing Flume Community™

A cure for balance-billing. For every plan we build a curated community of high-quality providers who contractually accept fair pricing at reference-based rates

Within Flume Community™:

  • Providers are reimbursed in 72 hours with no deductible to collect
  • Members pay $0 out of pocket (after copay)
  • Plans pay a fair, known rate

Learn more about Flume Community™

A Benefit Members Can Afford

When 64% of Americans delay or avoid care due to anticipated expenses, the best member experience is a health plan that employees can actually afford to use. Eliminating the fear of unknown costs means members get proactive healthcare, rather than reactive "sick-care"

Our plan dynamically invests savings into employees by waiving deductibles for appointments with high-quality, fairly priced providers in Flume Community™

Get a custom quote

Flume Health is Built for Benefits Advisors Who

  • Consult with both HR and Finance teams
  • Focus on finding & helping new clients
  • Are frustrated managing unbundled TPA health plans
  • Understand how healthcare works and want to challenge the status quo

Case Studies

Partner Toolkit

Some Common Questions

Is Flume Health a TPA?

Flume Health is a TPA that operates a specific health plan design. We are operationally headquartered in New York, NY - where we process all claims and take all member support calls.

What's the process of quoting with Flume?

We will participate in RFP's, but find it advantageous to both advisors and plan sponsors to get involved with a case as early as possible.

We can onboard new clients in as little as 20 days, but generally begin conversations at least 90 days ahead of renewal. This gives our plan design experts enough time to build the perfect plan for your client.

What is the onboarding/implementation process?

All client onboarding is done digitally in our secure portal. No more spending 30+ hours chasing BAA's, ASA signatures, or the rest - it's all in one spot, where you can collaborate with your client.

What employers do you work with?

Flume plans are designed for self-funded employers with or without stoploss reinsurance. As a result most of our customers have at least 100 employees. We are a great fit for clients who want to see a change and are frustrated with the cost trend and member experience of their current plan.

We help our partner advisors identify employers that are the best fit in their area for a Flume Health plan.

Which networks can you work with?

Flume Health can implement either reference-based pricing or network plans by renting national or local networks to ensure the right provider access.

Regardless of plan network, we encourage our members visit Flume Community™ providers to ensure a high-quality, low-cost encounter without the possibility for surprise billing.

Here are some of the networks we work with and can implement for your clients:

What does "True Transparency" mean

We charge a fixed per-employee-per-month administrative fee, and won't accept any additional charges related to stoploss premium, ancillary vendors, or other third party costs.

Our fees are set at standard industry rates - though they may appear higher than some of our competitors because we don't accept any additional commissions or under-the-table payments.

We sign a Transparency Pledge for every client.

Are you flexible in bringing in other point solutions?

Yes, we are constantly growing our integrations with solutions vendors. All pricing for third party point solutions is straight pass-through.

How confident are you in your performance?

So confident that we will put our fees at risk.

Download our 2019 Results study

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With Flume

Contact us to get more information
about switching to Flume Health