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You own your business, now own your Benefits.
Take control of your company benefits with a self managed plan without the risk. Provides high quality protection for employees at a low cost and WE MANAGE IT FOR YOU!
Major Medical Health Benefits
Medical
Makina Level Funded plans offer wellness-inspired insurance options so everyone can have their health needs met in the various life scenarios and stages.
Dental
Dental coverage is important – without it, many employees may never visit the dentist at all. Makina Dental Plans are specifically designed to complement our wellness-inspired group health benefits program.
Vision
Makina Vision Plans are designed to offer all employees will need in terms of annual eye exams, lenses, frames, and contact lenses. Offering two cost-competitive plan designs with both In-network and Non-network benefits. –
Benefits at Work
A Different Approach
At Makina Benefits we are dedicated to helping our nationwide business clients and their employees save on healthcare costs with top quality level funded plans. We manage healthcare costs by focusing on improving the health and wellness of those we serve. Our innovative level funded plans will provide your employees with a unique and personalized health care benefits solution.
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Complete the form to be contacted or Schedule a no obligation meeting to discus plan options.
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What is a Level Funded Plan?
Makina Benefits LFP have regular and predictable health plan costs while only paying for the healthcare costs actually incurred by employees. Employers pay administrative and anticipated employee claim costs. Our claim cost containment strategies allow for employer’s total payments to be greater than the actual claim costs, the surplus will be used to lower future stop loss premiums. However, if employee claims exceed what’s been paid, embedded “stop loss” insurance acts as a safety net.
Turnkey Major Medical
The Case For Small Group Level-Funding
As a TPA we have been successfully administering level funded plans for more that 600 small/mid size employers in 13 states. Our clients enjoy benefits that large entities wish they could have:
Cost Savings
Streamline Plan Design
ACA Exemptions
Take Control of Your Benefit Plan
We Underwrite The Future Not The Past
With level funded health plans, employers have more control over their insurance plans and premiums. As an employer, you can assess the risks and potential costs associated with your staff and decide which plans will work best for your group. This allows you to make decisions based on the health of your staff and what you can afford.
TELEMEDICINE
Talk to a Doctor Anytime
This highly convenient, always available telemedicine service connects you with board certified physicians and pediatricians anytime, day or night. Members can schedule live phone or video appointments with a Teladoc physician and get quick access to board certified physicians and pediatricians anytime day or night.
DIRECT HEALTH
Labs Work with Benefits
There’s and easy way to save up to 100% on outpatient lab work. Our direct benefit program through our preferred lab vendor is designed to save employer and employee alike valuable dollars on routine exams.
Call Today 866-291-9449
How a Level Funded Plan Works
The monthly group health premium paid to Makina Benefits Plans for your group is comprised of three separate components:
Claim Funding
Our proven cost containment strategies enables you as an employer to build enough reserves to protect your employee against minor claims.
Stop Loss Coverage
This coverage is for all your employees combined. This acts the same way a family deductible would for your employees. Once you have reach a deductible as a company the Stop Loss Coverage kicks in to take the risk.
Administrative Cost
The one thing you can count on is our expertise. We take pride on our cost containment strategies and our fees remain fixed and we transfer the savings to you.
During our underwriting process, our focus is to predetermine 1/12th of the cost for your annual claims, claims run- off, and administrative fee. Once you pay for each month for 12 months of the plan year, there will be no other charges for that plan year. After we have paid all the claims for the plan year, we use 50% of funds in the claim bucket to reduce future premium rate increases. If you choose to terminate your plan, each employer is eligible to receive back 50% of any unused dollars in the claims fund.
Call Today 866-291-9449
MAKINA BENEFITS
Ensuring Greater Affordability and
Healthcare For All Amercian
Makina Benefits LFP have regular and predictable health plan costs while only paying for the healthcare costs actually incurred by employees. Employers pay administrative and anticipated employee claim costs. Our claim cost containment strategies allow for employer’s total payments to be greater than the actual claim costs, the surplus will be used to lower future stop loss premiums. However, if employee claims exceed what’s been paid, embedded “stop loss” insurance acts as a safety net.
How We Are Different
Quality
Affordable Health Benefit Solution
Healthcare costs are consistently listed as one of the greatest concerns facing business owners and employees today. Makina Benefits believes that the only way to truly manage health-care costs is to improve the health and wellness of our members. We are dedicated to offering quality, affordable health benefit solutions for our members and sponsoring employers. Our innovative plan design, alternative funding structure, Integrated wellness and lifestyle improvement programs, provide you with a unique and personalized solution to your health benefits.
Direct
Dedicated Customer Service
Navigating the complexities of group health benefits can be difficult for employers and employees alike. We know the frustration of not being able to reach a friendly voice to answer your questions or provide assistance when you need it. Our committed member and client service teams are here to support our agents, clients, and members. A friendly voice and great customer service… all standards of care for you, our client.
Alternative
Generic Drug Utilitization
The majority of brand name medications on the market today have an alternative generic drug replacement to provide the same care management results, but at a fraction of the cost of brand name prescriptions. Lifestyle Health has a team of care coordination specialists to work with our members and their physicians to evaluate the efficacy of converting to a generic prescription when appropriate. Additional incentives are provided to all our members for the conversion to a generic prescription when appropriate.
Call Today 866-291-9449
