Sharper vision. Powerful solutions.
Level Funding  ■  Risk Appropriate Rates  ■  A Unique Alternative
Borderless APO  ■  Reference-Based Pricing  ■  Concierge Service
Level funding is the key to saving money
Eagle provides a “level funded” health insurance program specifically tailored for small and midsized employers that have young workforces and are struggling with rising health insurance costs and reduced participation of employees in their programs.
Risk-appropriate rates
Appropriate risk rating is the key to reducing costs for many employers. Combined with a level funding approach, the right employer gets predictable costs that are simply lower.
The Eagle Access Solution
We provide a unique combination of access to major national networks, expertise in the needs of small and medium-sized businesses in today's changing market and legal environment, and top quality customer service. While others may advertise themselves as providing unique alternatives to traditional solutions, only Eagle has the experience and knowledge to deliver on that promise.
Borderless APO
The EagleAccess concept is to free employers and employees from the constraints of being tied to an insurance company’s provider network. We utilize Reference Based Pricing (RBP) to achieve this and allow our insureds to receive care from the providers they want, not just those we have contracts with, and at just one level of deductibles, co-pays, etc. With Eagle’s proprietary Borderless APO(tm) solution, there is no “in” and “out” of network distinction, all providers are treated as in network.

Large employers have used RBP for years, its time the little guys had a chance!
What is Reference Based Pricing (RBP)?
Reference Based Pricing is a method of healthcare reimbursement based on Medicare schedules (generally payment is made at a percentage above Medicare’s allowance), and focused negotiations with providers of care. This process has been utilized successfully by large employers for a number of years.

The end result is payment that is fair to the provider, the plan, and the patient, but does not limit choice of providers. By using RBP we can provide health insurance at a cost comparable to the major national insurance companies. View RBP resources.
Concierge Service: Our Commitment to Customers
Our concierge Account Management team will provide support to employers and employees beyond that expected of a typical insurance company.

  • In particular, we know that by helping members navigate through the complexities of obtaining care that we can drive better results – both in terms of cost and quality of care.
  • Our concierge will work directly with members to make sure they are receiving quality care at the right price.
  • The concierge can identify “safe harbor” providers who do not require any payment up front (other than deductible/co-pay) and who do not balance bill.
  • If a member is utilizing a non safe harbor provider the concierge will work to negotiate fair re-imbursement ahead of services. If there is any balance billing the concierge will take over and negotiate payment on behalf of the member.
RBP RESOURCES:
Employers Turn to Reference-Based Health Pricing Reference Pricing for Health Care Services: A New Twist on the Defined Contribution Concept in Employment-Based Health Benefits Reference Based Pricing In Action Aon Hewitt Submits Comments on Annual Cost-Sharing Limits and Reference-Based Pricing