Level-Funded Funding Advantage Plans

Allied National's level-funded plan - Funding Advantage - is for employers with two or more employees with good health experience who feel they are paying too much premium for too little in benefits.

In addition to getting great rates, groups who have a healthy year can get money back at the end of the plan year.

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Learn More About Funding Advantage

What Sets Funding Advantage Apart from Traditional Coverage?

  1. Employers don't buy insurance for benefits that they don't use. Unused claim fund money is returned to the employer at the end of the plan year.​
  2. Funding Advantage saves employers money by paying claims with the employer's own money instead of just insurance premiums. Employers are protected with stop-loss insurance that manages (1) the risk for large claims above their monthly cost. ​
  3. This plan is an ERISA plan that is exempt from some of the federal Affordable Care Act regulations - particularly those parts that will cause fully insured premiums to climb substantially.
(1) "Large claim risk managed by stop-loss insurance with run-out coverage, subject to policy exclusions, solvency of insurance carrier, policy effective dates, mid-year plan termination, and other policy terms and conditions."
These plans are designed for employers looking for flexible plan designs that can fit the needs of their group. Find out more:


  • Freedom Plan
    The plan options - Freedom Traditional and Freedom Essentials - allow groups the full choice of health care providers without restrictions or penalties. There are no preferred providers or networks required. Members see the provider they choose!

  • Cost Saver
    Cost Saver is a unique, low-cost group health plan for employers who are priced out of the cost of traditional major medical coverage.

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  • ​Direct Primary Care (DPC)
    Direct Primary Care is a cutting-edge solution to the rising cost of health care. Allied National has a way to add comprehensive major medical protection for DPC members of small employers.

Funding Advantage Members Can Elect This Benefit Option:

HealthChoices
HealthChoices is designed to improve health care while lowering costs. Members are encouraged to seek high quality, cost-effective care and in return are rewarded with substantially lower monthly premiums and reduced or eliminated out-of-pocket costs for covered services. Benefits and care are greatly enhanced for members who use these services, but for those who don’t, benefits may be treated as out-of-network and reduced.

Get Answers

View frequently asked questions about the Funding Advantage plan.

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