Replace with a fair, transparent process (reference pricing + direct contracting)
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
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
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™:
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™
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.
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.
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.
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.
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:
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.
Yes, we are constantly growing our integrations with solutions vendors. All pricing for third party point solutions is straight pass-through.
So confident that we will put our fees at risk.