Why HealthyAdvantage?
As the cost of healthcare continues to escalate, more and more brokers are looking for alternative solutions for their clients. HealthyAdvantage offers employers a powerful, practical alternative to traditional insurance. It allows your clients to directly fund their actual claim costs while limiting their risk with the purchase of stop-loss insurance.

With a traditional fully insured plan, the insurance company pays for most of the benefits and offers members small out of pocket expenses in the form of deductibles, copays and coinsurance but keeps the profits when the claims are lower than expected. With HealthyAdvantage, the employer pays the benefits up to a higher deductible, but purchases stop-loss insurance to reimburse the plan if the deductible is met.

Stop-loss insurance protects the plan against individual catastrophic claims (specific stop-loss) or their total claim expenses (aggregate stop-loss) exceeding their annual budget. Employers hire Third Party Administrators such as GBS to process, manage, and pay the claims on behalf of the employer.

HealthyAdvantage is a Level Funded Health Plan. Level Funded Health plans allow employers to pay a preset level premium equivalent which includes fixed costs and maximum claims fund. Because the employer is pre-paying the claims, 100% of the unused funds at the end of the contract period will be returned to the employer as savings!

With this funding arrangement, clients get the benefit of an unbundled approach to assembling a health plan. GBS helps employers contain costs by paying claims directly to the providers while allowing the client to customize the benefit design. HealthyAdvantage rewards your clients for good claims experience in a way that makes sense for them.

GBS Self-Funded Products & Services
GBS has been assisting employers with their self funded plans since 1980. Over the years we have developed reporting and claim management tools that help contain costs for not just the large claimants, but for members that may be in the early stages of treatment. Our Plan Management and URAC Accredited Care Management services offer cost containment solutions to achieve long term financial objectives.
Wellness Plan Designs
  • Employee Engagement
  • Financial Incentives
  • Health Improvement Goals/Incentives
  • Personal Wellness Portal
Customer Service
  • Outstanding Customer Service Reputation
  • Professional, Knowledgeable Staff
  • Meaningful Plan Management Reports
  • National CIGNA PPO (Medical, Dental & Rx Drug)
Online Account Management
  • Online Enrollment
  • Benefits at a Glance
  • Document Library
  • Claims Status and History
Utilization & Case Management
  • URAC Accredited
  • Experienced Clinical Staff
  • Coordinated Care with Providers
  • Patient Advocate