Buck Health Alliance saves employer groups money by taking back control and spreading the risk in a way that keeps their business stable and sustainable in the long run.
BHA’s mission is to help employer groups gain control over insurance pricing, plans, renewals, and other financial parameters of medical benefits.
Be sure to provide a direct phone number and an email to ensure quick approval.
To participate in the Buck Health Alliance Program, the employer must submit the underwriting information they will receive upon joining the Alliance.
Self-funding and joint-purchasing are long-term strategies. The employer is not obligated, but should intend to participate in the Alliance for an initial period of 3 years.
Enrollment is coincident with acceptance of the stop loss insurance offer and payment of the first premium. Termination requires a 30-day advance notice to the carrier.
The Alliance is not a corporation, partnership, or any other entity. The employer cannot have an ownership or other equity interest.
The employer must agree to not furnish to any person or company, any information related to the terms of negotiations and relationships with insurance companies that work with the Alliance.
We are a partnership that joined forces to provide employer groups with the most affordable employee insurance plans. We provide health benefits purchasing program for employers, created for the purpose of:
Jointly negotiating better insurance prices and terms for the employer groups
Help employer groups gain long term stability in managing employee benefits
We present an alternative self-funded employer centric market where the employers can take back control, form their own purchasing pool, and succeed with self-funding.
The following organizations work closely together to administer the components that make BHA health plans possible. Each of these companies specialize in bringing large employer benefit strategies to small and mid-size employers.
Employers with less than 50 enrolled employees will be required to fund at maximum and will make level, monthly payments.
Large employers with 50 or more enrolled employees can choose their method of funding claims – either level funding or self-funding.
16-99 Employees | ||||||
---|---|---|---|---|---|---|
2-15 Employees | ||||||
1 PRO - PPO | 7 PRO - PPO | 15 PRO - PPO | 5 PRO - PPO | 9 PRO - PPO | 11 PRO - PPO | |
Plan Type | Deductible/ Coin |
Deductible/ Coin |
HDHP | Deductible/ Coin |
Deductible/ Coin |
Deductible/ Coin |
Deductible Type | Embedded | Embedded | Embedded | Embedded | Embedded | Embedded |
Deductible (in-network) | $1,000 Single/ $2,000 Family | $3,000 Single/ $6,000 Family | $5,000 Single/ $10,000 Family | $2,500 Single/ $5,000 Family | $3,500 Single/ $7,000 Family | $5,000 Single/ $10,000 Family |
Coinsurance % (in-network) | 80% / 20% | 80% / 20% | 80% / 20% | 80% / 20% | 80% / 20% | 70% / 30% |
OOP Max in-network (Includes deductible, coinsurance and copays) | $6,600 / $13,200 | $6,600 / $13,200 | $6,600 / $13,200 | $6,600 / $13,200 | $6,600 / $13,200 | $6,600 / $13,200 |
Deductible (out-of-network) | $2,000 Single / $4,000 Family | $6,000 Single / $12,000 Family | $10,000 Single / $20,000 Family | $5,000 Single / $10,000 Family | $7,000 Single / $14,000 Family | $10,000 Single / $20,000 Family |
Coinsurance % (out-of-network) | 50% / 50% | 50% / 50% | 50% / 50% | 50% / 50% | 50% / 50% | 50% / 50% |
OOP Max Out-of-network (includes deductible, coinsurance) | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
PCP Copay | $35 | $40 | ded/coin | $35 | $40 | $40 |
SCP Copay | $50 | $60 | ded/coin | $50 | $60 | ded/coin |
Labs/X-Rays/Imaging | ded/coin | ded/coin | ded/coin | ded/coin | ded/coin | ded/coin |
Urgent Care | $75 | $75 | $75 | $75 | $75 | ded/coin |
ER | ded/coin | ded/coin | ded/coin | ded/coin | ded/coin | ded/coin |
RX | 15/45/60 | 20/50/75 | ded/coin | 15/45/60 | 20/50/75 | 20/50/75 |
Specialty Drug | ded/coin | ded/coin | ded/coin | ded/coin | ded/coin | ded/coin |
Larger Employers with 50 or more enrolled employees can choose their method of funding claims – either level funding or self-funding.
*Employers can work directly with the BHA team to secure coverage, or you are welcome to include your insurance agent in the process. Using an agent may result in an increase in premium to cover broker commission