Choose the smarter way to self-fund!

Economies-business

Low Cost Insurance Plan Options

Economies-business

Low Cost Insurance Plan Options

Stable Renewals

Stable
Renewals

Stable<br>Renewals

Stable
Renewals

Risk Management Strategies

Risk Management Strategies

Risk Management Strategies

Risk Management Strategies

Flexible Insurance Terms

Flexible
Insurance Terms

Flexible Insurance Terms

Flexible
Insurance Terms

No Fee To Join

No Fee To
Join

No Fee To Join

No Fee To
Join

Self Insured and Level Funded

Self Insured and Level Funded

100% Voluntary Terms Of Membership

100% Voluntary Terms Of Membership

Economies Of Scale For Your Business

Economies Of Scale For Your Business

Economies Of Scale For Your Business

Enable Savings That Accrue Year After Year

Enable Savings That Accrue Year After Year

Enable Savings That Accrue Year After Year

Enable Savings That Accrue Year After Year

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.

How to enroll

Provide image

Be sure to provide a direct phone number and an email to ensure quick approval.

Participate image

To participate in the Buck Health Alliance Program, the employer must submit the underwriting information they will receive upon joining the Alliance.

Self Funding image

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.

30 Day image

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.

Partnership image

The Alliance is not a corporation, partnership, or any other entity. The employer cannot have an ownership or other equity interest.

Employer Should image

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.

Three steps to get a quote

Step 1

Complete brief company information

Step 2

Select up to 3 medical plan options

Step3

Enter employee information

Result

Get a baseline quote

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.

Buckrx
Benebay
Netional general
Contribution Health

Funding

Employers with less than 50 enrolled employees will be required to fund at maximum and will make level, monthly payments.

Level Self-Funding

Large employers with 50 or more enrolled employees can choose their method of funding claims – either level funding or self-funding.

HEALTH PLAN OPTIONS

  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

99+ Employees: Please contact us to get a quote.


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