FOR EMPLOYERS
Smarter health plans that control costs, with care
Reduce healthcare spend while protecting employees, streamlining administration, and delivering a supported experience—without reducing benefits or access to care.
AT A GLANCE
Cost control with an employee experience HR can support
If you are evaluating alternatives to a traditional PPO plan, Homestead is built to deliver measurable savings while reducing disruption for employees. We pair reference based pricing with proactive education and hands on support so switching does not become an HR fire drill.
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Cost control you can explain and measure
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A smoother transition with fewer employee complaints
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Clear support when providers have questions
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Protection from surprise bills and billing disputes
SOLUTIONS FOR EMPLOYERS
Choose the approach 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.
HERE’S HOW IT WORKS
1.
Design a smarter plan
Choose a fully integrated, ready to implement solution for self-funding or stand alone RBP that works seamlessly with your partners of choice.
2.
Guide and support employees
Education starts before day one. Members receive clear guidance, welcome calls, and ongoing concierge support to navigate care confidently.
3.
Protect, resolve, and optimize
We proactively manage provider interactions, negotiate claims and protect members from balance bills while continuously monitoring performance through robust 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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Rising costs without oversight, transparency, or aligned incentives
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Unaffordable health plans employees can’t afford to use
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Employee dissatisfaction due to lack of education and support
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Financial stress from surprise balance bills
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HR teams caught between providers and members
What we provide
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Platinum level plan designs with no network restrictions
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Fiduciary partner invested in plan performance
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Clear the Path program to connect employees with providers
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Legal protection and end to end management of balance bills
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Expert advocacy and provider negotiation
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On shore concierge member services
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Advanced reporting and actionable insights
What to expect as an employer
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Significant savings driven by hospital and facility claims, where reference based pricing replaces inflated charges with fair, defensible reimbursement
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Individual outreach and concierge level service to minimize disruption
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Providers interact with our team, not your staff
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Issues are resolved proactively, not reactively
FAQs
Frequently asked questions
Will employees still be able to see their doctors?
In most cases, yes. Our plans are open access, and we help employees see the providers they choose by working directly with their providers before they seek care. Our Clear the Path™ program…
How do you prevent balance bills from becoming an issue?
Less than 1% of all claims result in a balance bill. We minimize balance bills through proactive provider engagement, expert negotiation, and fair, reasonable reimbursement, combined with clear member education. When a balance bill does occur, our team handles the entire process through resolution – so the burden never falls on the employee or HR. See how we protect members.
What happens if a provider won’t accept the plan?
This is rare, but when a provider won’t accept the plan or negotiate a reasonable reimbursement, we’ll help guide employees to alternative, RBP-friendly providers—always with the employee’s care needs as the priority.
How much work does this create for HR?
The key to a smooth transition is early engagement and proactive employee education. Homestead reduces HR’s burden and does the heavy lifting with member education to introduce the plan, virtual and in-person education sessions, and high-touch, human support from experienced Client Managers and on-shore Member Concierge Services you can rely on. With Homestead, HR isn’t left managing questions or provider issues.
Is Stop Loss required?
Yes. Stop loss coverage is required for any self-funded health plan. Employers can choose Homestead’s integrated stop loss solution or bring their own stop loss partner to the table. Many employers opt for Homestead’s stop loss because it’s aligned with the plan design, shares accountability for performance, and helps create a more coordinated, predictable experience—but the choice is yours.
Have more questions?
Take control of healthcare costs without putting employees –or HR– at risk.
Homestead delivers savings, protection, and a better experience through plans designed to work in the real world.