Homestead integrates the essential components of a self-funded strategy into one coordinated team, eliminating the hassle of managing multiple disconnected vendors.
COMPANY OVERVIEW
Smarter health plans start with better thinking.
Rising healthcare costs have made traditional health plans harder to sustain and harder for employees to afford and navigate. Homestead helps self-funded employers rethink the model with smarter solutions that deliver meaningful savings, broad access, and care that goes beyond coverage.
Built on decades of experience. Designed for what’s next.
Homestead grew from our 35+ years of experience in healthcare administration through INDECS, our third-party administration company. Working closely with employers, providers, and claims data gave us a clear view of a growing problem: traditional PPO models were becoming increasingly expensive, complex, and difficult to sustain.
So we built a different approach. In 2016 we launched Homestead Smart Health Plans, a complete solution for employers that delivers 25-30% savings on average combined with greater transparency, control, and support.
So we built a different approach. In 2016 we launched Homestead Smart Health Plans, a complete solution for employers that delivers 25-30% savings on average combined with greater transparency, control, and support.
A smarter model for modern healthcare
Our companies
Homestead Smart Health Plans
Your front-door partner for plan design, implementation, and ongoing support.
Claim Watcher®
A repricing and auditing technology that powers our Reference-Based Pricing (RBP) plans – empowering us to deliver a fair, transparent, more sustainable solution.
Homestead Insurance Company
Our proprietary stop-loss carrier, giving employers an invested partner – one that’s fully aligned with their interests and understands their plan design, data, and risk.
INDECS
TPA services that help employers manage claims, monitor costs, and maintain compliance, all with advanced reporting and experienced, caring, human support.
OUR MISSION
To make high-quality healthcare more affordable, transparent, and human
Everything we build, every process, every tool, every member interaction, ladders back to three commitments:
1.
Put people first
We believe the health plan should work for the member, not the other way around. Education, empathy, and proactive support are essential to achieving better outcomes.
2.
Empower employers with clarity and control
Employers deserve pricing they can understand, data they can trust, and solutions that work as hard as they do. Our integrated approach gives them visibility, predictability, and meaningful year-over-year savings.
3.
Bring fairness and transparency to healthcare
We advocate for reasonable payment, transparency in pricing, and respect for both members and providers — proving that savings and provider satisfaction can go hand-in-hand.
OUR VALUES
How our values show up in practice
Integrity in every decision
We honor our commitments, use data to guide decisions, and handle every claim with precision and fairness.
Advocacy without compromise
Members deserve protection, employers deserve honesty, and brokers deserve a partner they can trust. We show up — consistently, proactively, and personally.
Innovation with purpose
We build solutions that solve real problems affecting employers today.
Partnership that lasts
From brokers to HR teams to providers, we operate as an extension of your team — not just a vendor.
Where we are today
Homestead has grown into a national platform supporting employers across industries with integrated solutions that deliver:
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Significant savings vs. traditional PPO plans
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High member satisfaction and strong provider relationships
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Comprehensive balance-bill protection
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On-shore support and hands-on service
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Data-driven insights powered by Cedar Gate analytics
We’ve combined the stability of long-standing administrative expertise with the innovation today’s healthcare market demands — and we continue to evolve with our clients’ needs.
Why employers and brokers choose Homestead
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Decades of operational excellence from our INDECS foundation
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A proven RBP model launched in 2016 — not new, not experimental
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A fully integrated ecosystem: TPA + RBP + Stop Loss
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Strong member experience backed by real human advocacy
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Financial protection aligned with employer outcomes
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Transparent, data-supported reporting
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A partner invested in long-term success, not just annual renewals
Interested in partnering with us?
Let’s build a smarter, more sustainable health plan together.