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Agents - Interested in Getting a Quote on Your Next Group?

Send your census to one of the following:
Your General Agent
Allied Sales Support ​
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888-767-7133

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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Most Used by Agents

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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:
  • 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.
 
  • 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.
 
  • Minimum Essential Coverage (MEC)
    Allied MEC Plans are guaranteed issue, limited benefit plans designed to help small-group plan sponsors satisfy the Affordable Care Act (ACA) Part A requirement to provide Minimum Essential Coverage. Allied's MEC Plans do this by offering 100% coverage for preventive services with no copays, deductibles or annual or lifetime limits.

  • HSA Qualified Plans 
    Our HSA qualified High Deductible Health Plans are perfect for any HSA.

  • ​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.
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Get Answers

View frequently asked questions about the Funding Advantage plan.

State Availability

State Product Availability Map ​

Carrier Information

Find out more about our carriers.
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  • Home
  • Employers
    • Self-Service Login
    • Prescription Benefits
    • Lab Program
    • Allied Member Discounts
    • EBA Newsletter
    • Downloadable Forms
  • Members
    • Member Resources for Funding Advantage >
      • Explanation of Benefits for Funding Advantage Members
      • Member FAQs
      • Member-Hybrid >
        • Member-Hybrid-Plan-Info
        • Member-Spanish-Hybrid-Plan-Info
      • Member-Traditional >
        • Member-Traditional-Plan-Info
        • Member-Spanish Traditional-Plan-Info
      • Member-Essentials >
        • Member-Essentials-Plan-Info
        • Member-Spanish Essentials-Plan-Info
      • Member-PPO >
        • Member-PPO-Plan-Info
        • Member-Spanish-PPO-Plan-Info
      • Member-Cost Saver >
        • Member-Cost Saver-Info
        • Member-Spanish-Cost Saver-Info
      • Member-Minimum Essential Coverage >
        • Member-Spanish Minimum Essential Coverage
      • Member - Community Health Plan >
        • Member-Community Health-Plan-Info
      • Member-H&H PLan >
        • Member-H&H Plan-Info
      • Member-Vault PPO Resources >
        • Member-Vault-PPO-Plan-Info
      • Member-Vault RBP >
        • Member-Vault RBP-Plan-Info
      • Member-Fundamental Care
      • Member-Fundamental Care Value Plan
    • Benefit Extras >
      • Allied Member Discounts
      • Elite Experience Team
      • HealthCare Assistant
      • HealthChoices
      • Lab Program
      • Telehealth
    • Self-Service Login >
      • Self -Service Site Info
    • Find A Provider
    • Prescription Benefits
    • Member Download Forms >
      • Appeals
  • Agents
    • Agent Edge
    • Group Submissions
    • Plans >
      • Level Funding Group >
        • Freedom Plan >
          • Hybrid
          • Traditional
          • Essentials
        • PPO
        • Cost Saver Plan
        • Minimum Essential Coverage
        • Direct Primary Care
      • Dental Design Group
      • Premium Only Plan Group
      • Individual Plans
    • Self-Service Login
    • Download Forms - Agents
    • Product Availability
    • Training Webinars
    • Agent FAQs
    • Bulletin (Agent)
  • Provider
    • Provider Verification
    • DPC & Benefit Plans
  • About Us
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