Major Medical (aka Level-Funded)

● The Vault Health Plan is a unique answer for employers trying to save money on the cost of group health insurance.
 

● The program allows employers to save money by paying for the cost of small claims with employer's money while providing absolute financial protection from larger claims with stop-loss insurance.
 

● If a company is not receiving money back from its insurer, the company's employees have good health experience and the company is paying too much premium for too little in benefits, this is an alternative to consider.
 

● After all claims have been paid for the plan year (after the nine-month run-out period), any unused money in the employer's claim fund can be used as the employer wants - the money can be refunded or used to lower costs for the next plan year.