FOR BROKERS
Health plans that deliver savings, accountability, and human support
Help employers control healthcare costs with confidence—through integrated plan design, shared risk, and a fiduciary partner who stands behind the strategy.
AT A GLANCE
Built for brokers who lead with financial proof and service confidence
Your clients want savings, but they also fear change. HR is protecting employees. CFO wants measurable outcomes. The broker is in the middle. Homestead is designed to help you:
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Show a clear financial case without fluff
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Reduce fear around balance bills and access
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Deliver an employee experience that HR can support
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Protect your reputation with reliable execution and responsiveness
SOLUTIONS FOR BROKERS
Choose the solution that fits your strategy
Homestead offers standalone RBP plans or a fully integrated solution that combines plan administration and Stop Loss with one coordinated team.
Claim Watcher®
Reference-based pricing solution with platinum-level plan designs, no network restrictions, concierge-level service, and protection from balance billing.
Integrated Plan Administration
A total self-funding solution designed to deliver real savings with real transparency, accountability, and support.
Stop Loss
Financial protection that supports plan performance and predictability through shared risk and aligned incentives.
HERE’S HOW IT WORKS
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Align on the right opportunity
We help you identify when RBP is—and isn’t—the right fit, based on employer size, risk tolerance, and goals.
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Support the sale and the transition
Homestead supports broker-led sales with education tools, clear messaging, and implementation planning that sets expectations early.
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Stay engaged after the sale
We don’t disappear at go-live. Our team supports members, providers, and employers while keeping brokers informed through transparent reporting.
NUMBERS THAT MATTER
Average total plan savings. Typically 25–30% with integrated RBP solutions.
PROTECTION AND SUPPORT
What we prevent
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Broker reputational risk from poor member experience
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HR teams overwhelmed by provider or billing issues
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Employee dissatisfaction tied to confusion or fear
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Misaligned vendors pointing fingers when issues arise
What we provide
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Integrated RBP, TPA, and stop loss coordination
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Proactive provider outreach with high provider acceptance
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Balance bill defense, advocacy, and expert negotiation
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Clear reporting brokers can confidently share
What to expect as a broker
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Clear positioning support
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Tools to set expectations early and honestly
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Visibility into plan performance and member experience
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A partner who stays accountable after implementation
You remain the trusted advisor. We operate behind the scenes to support your success.
Latest resources
FAQs
Frequently asked questions
When is RBP the right fit for a client?
Strong candidates are often looking for greater control over healthcare spending and seeking meaningful savings without shifting more costs to employees. Workforce geography, provider utilization patterns, employee demographics, and organizational readiness for communication and change management are also important considerations. We work alongside brokers to evaluate these factors and determine whether RBP is the right fit for each client.
How do employees access care with Homestead’s RBP plans?
With Homestead, employees can generally continue to see the providers they know and trust. Our Clear the Path program uses prior claims data to identify disruption risk and eliminate it before the plan goes live. We do this through proactive provider outreach during implementation. We also make it easy for members to submit their provider’s information anytime throughout the year, by phone or through an online form.
What happens if a provider disagrees with the payment amount?
Balance bills are extremely rare for our members. In fact, less than 1% of all claims are balance billed. That’s because our model emphasizes proactive provider outreach, strong provider relationships, and expert negotiation strategies that keep
disruption low. If a provider does attempt to charge more than the member’s patient responsibility, our Balance Bill Defense steps in to handle it.
Have more questions?
Stand out with an integrated health solution that delivers savings, protects relationships, and supports you beyond the sale.
Homestead helps brokers bring smarter strategies to market—confidently.