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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.
Most Used by Agents

Get Answers
> View frequently asked questions about the Funding Advantage plan.

Learn More!
Learn more about
​Funding Advantage level funding.
The Advantages of Funding Advantage:
  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:

  • Allied's PPO Plans
    Our preferred provider organization (PPO) plans offer ultimate flexibility with a wide variety of benefit options. Select from the top local PPO networks in your area.  >Learn 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!      >Learn More​ 
  • 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.  >    Learn More​ 
  • HSA Qualified Plans 
    Our HSA qualified High Deductible Health Plans are perfect for any HSA.  >Learn More
  • ​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. >Learn More
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Funding Advantage members also 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. >Learn More
State Availability
> Product State Availability Map 

Carrier Information
> Find out more about our carriers

Resources

Agent - Enroll Your Group Online
Download our User Guide to help you quickly and easily enroll your groups using our online group enrollment system.
Allied AgentEdge
A library of resources available to agents for sales, marketing, training and educational purposes.
Appointment Forms
Applications for carrier appointments and compensation agreement.
Proposal Software
Get the latest WINAllied proposal software and quote Allied group products on your computer.