Health coverage built for CFO's, approved by HR

A plan for America's hardest working companies with 100+ employees

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Say Hello to Flume Health

We are transparent self-funded health coverage that costs 30% less than Major Insurance Carriers. Stop overpaying and give your employees a benefit they can actually afford to use

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 on Flume Health:
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
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Flume Community™

For every plan, we build a community of high quality, local doctors who agree to fair pricing.

Care within the Flume Community™ costs members $0 out of pocket after a copay
Learn about Flume Community
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Life as a Flume Health Member

All appointments within the Flume Community™ have a guaranteed price - not just an "estimate"

No more waiting weeks for a bill with confusing pricing

These appointments cost members $0 out of pocket, besides a small copay. This means members can afford to get the care they need, rather than delaying or avoiding doctor visits

One number to call for all your plan needs- we take on the complexity of healthcare so your employees don’t have to. Use the Flume Concierge for:

  • Claims & benefits questions
  • Finding a doctor and making an appointment
  • Understanding a diagnosis or treatment 
  • Navigating healthcare options
  • Help finding ice cream after your appointment

We stand with our members to educate and protect them against predatory or surprise billing. We do this in both PPO and reference-based pricing plans, in and out of network

When 8/10 hospital bills have a mistake, patients need to be covered

Talk to a doctor for free in 15 minutes without leaving your home

Members use integrated telemedicine for:

  • a quick symptom check
  • refilling a prescription
  • avoiding an unnecessary trip to urgent care

Case Studies

A 130-life healthcare group saves $1.4M by self-funding with Flume Health

Auto Dealership saves $500,000 and gives employees a premium “holiday”

We Built Flume Health for Employers Who:

  • Hate increasing member deductibles and premiums
  • Demand a plan with sustainable costs
  • Think employees should be able to afford to use their health benefits
  • Have come to dread open enrollment season

Some Common Questions

What's the process of signing up for Flume?

We can onboard most clients in as little as 20 days ahead of plan renewal. We find it advantageous to start most conversations 90 days ahead of renewal, however, to give our plan design experts enough time to understand your company and objectives to build the perfect plan for you.

What doctors can I see with a Flume plan?

Flume Health can implement either reference-based pricing or network plans by renting national or local networks to ensure the right provider access for your team. We encourage our members to 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 you around Flume Community:

How many employees to I need for a Flume plan?

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. If you are a smaller employer, ask us or your broker about working with Flume Health's insurance captive specifically for companies with 50-250 lives.

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How disruptive is this?

Designed for companies and employees who demand more - our plans are different.

Here's what's the same:

  • Claims funds are managed similarly to other TPA's with weekly funding requests
  • We are integrated with many of the partners (and networks) you already love
  • We create plans with accumulators you're familiar with (copay, deductible, coinsurance)

Here's what changes:

  • To waive their deductible, members may have to change providers if their current physician has not yet joined Flume Community™ (otherwise full deductible and coinsurance apply)
  • Certain visits require precertification (some services greater than an office visit)
  • We may recommend a different provider network than the one you're used to
  • You will have full access to your real time plan data

Throughout the sales, implementation and open enrollment process, you will have complete support with a dedicated account manager. In most cases, employees are able to access care they previously delayed or avoided because they couldn't afford it.

How do Flume plans perform year 2, 3, 4 and beyond?

Flume Health plans average $5,646 in savings year 1, and then tend to perform better the longer you use them.

This happens because our plans structure a pathway for members to seek care at a low out-of-pocket cost. Because it’s more affordable, members proactively seek preventative and diagnostic services - creating a health flywheel. As a result, our plans see reduced utilization of ER, and we observe lower costs to treat chronic diseases.

What happens in a catastrophic year?

We recommend you implement specific stoploss reinsurance coverage, and aggregate coverage for smaller groups - which protects you in a catastrophic year. Your worst-case scenario is always known and modeled before the plan year starts.

How much is this going to cost me?

A lot less.

For fixed costs, Flume Health is committed to Total Transparency. We charge a fixed per-employee-per-month administrative fee, and won't accept any additional charges related to stoploss premium, Rx, or other third party costs.

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

We sign a Transparency Pledge for every client we work with.

Will you work with my broker or advisor?

Yes, we actually prefer to involve your broker, consultant or advisor early in your evaluation process.

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With Flume

Contact us to get more information
about switching to Flume Health