From fully insured plans to self-funded strategy, we design programs around your workforce, your budget, and your renewal — then run the technology and administration behind them.
Core coverage and voluntary lines built into one cohesive package your employees can actually understand.
Most employers are quietly overpaying because no one ever showed them the alternatives. We model them all.
Predictable budgeting with a path toward claims transparency and potential year-end surplus returns.
Take control of your claims dollars with stop-loss protection sized to your real risk tolerance.
Reset the cost conversation by pricing care against a fair benchmark instead of an inflated network rate. We've worked in RBP since 2018 — long enough to have built strategies that lower cost for the employer and the employee while widening provider choice rather than narrowing it.
Health reimbursement arrangements designed to bridge plan gaps and steer spending intelligently.
We read the claims story your renewal won't tell you — and design the next plan year around it.
Most MEC plans satisfy the ACA and very little else. An employee gets an ID card, then finds out preventive services are close to all it covers. For variable-hour, hourly, and high-turnover workforces, that is a plan nobody uses and nobody thanks you for.
We build MEC and Enhanced MEC around a different question: can this person see a doctor on a Tuesday night without first doing math? Compliance and affordability are the floor. Real access is the point.
This is not telehealth bolted onto a compliance plan. It is a full front door to care, and most of what a member uses day to day is included in the membership.
OptimalMD reports the program can address up to 90% of routine medical needs and roughly 30% of conditions that send people to an emergency room.
1 Included lab pricing applies to Labcorp when the order is placed through OptimalMD. At Quest, basic labs are included with a primary care visit and remaining tests are available at discounted pricing.
2 Virtual dermatology consultations are limited to three per member per year. All other specialty consultations are unlimited.
3 Talk therapy with a licensed LPC or LCSW is included at no additional cost. Psychology visits are $100 each. Psychiatry is $215 for the initial evaluation and $100 per visit thereafter.
OptimalMD is a membership program, not insurance. It is not a health insurance policy, and it does not by itself satisfy the Affordable Care Act's minimum essential coverage requirement. It is designed to sit alongside a medical plan, not to replace one. Member costs and program features are set by OptimalMD and are subject to change.
Pharmacy is one of the fastest-growing lines on every renewal — and one of the most controllable, if you know where to look. We bring proven strategies that reduce spend without reducing access to care.
Enrollment, changes, and carrier data — connected, automated, and accurate.
Online enrollment, employee self-service, and a single source of truth for benefits data.
HR guidance, handbook tools, and compliance resources built into your day-to-day.
Integrations that keep deductions and eligibility in sync — without manual re-keying.
White-labeled mobile access and CIX Health App integrations that put benefits in employees' hands.
The administrative work that quietly consumes HR's week — managed by us as an extension of your team.
We review your current plans, claims data, costs, and pain points — and tell you honestly where the opportunities are.
We model funding options, plan designs, and cost-containment moves, then build a recommendation around your goals.
We handle enrollment, technology, compliance, and year-round advocacy — and stay accountable long after launch.
A focused consultation on your plan design, costs, and renewal outlook — with straight answers, not a sales pitch.
