MEBS Wrap ™
This design-it-yourself benefit plan is based on using a high deductible major medical plan. By funding benefits over and above the base plan, the employer can enhance the benefits to any desired level. This plan can be implemented on a traditional provider basis or as a PPO or passive PPO.
MEBS PPO Wrap
Here employers can be creative with minimum risk through dual funding. For example, for an underlying medical plan purchased, you can wrap it up to a higher benefit level. You would assume some liability for deductibles and copayments.
Stop Loss (Mini Aggregate)
Mini aggregate insurance is offered to clients who use a dually funded medical plan for their employees. When an employer assumes a portion of risk on such a plan, it is prudent to insure against increased costs. While the majority of employers see a decrease in costs under a dually funded arrangement, this insurance adds an extra measure of comfort to their decision.
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