CLAIM WATCHER® Plus
More simplicity. More savings. No compromises.
We’ve partnered with leading regional health systems to help you give employees what they want most — convenient access to trusted, high-quality care with lower out-of-pocket costs.
- self-funded employers
- groups with 100+ employees
Available in NJ, NY & PA
HOW CLAIM WATCHER® PLUS PLANS WORK
1.
Expanded benefits with added flexibility
Claim Watcher Plus builds on the flexibility, advocacy, and cost-management advantages of Claim Watcher with additional member-focused plan enhancements, including:
- No network restrictions, with Clear the Path™ to help members see the providers they choose
- Convenient access to a broad physician network
- Member experience built around concierge-level service, advocacy, and protection
- Average group savings 25%-30% compared to traditional PPO plans.
2.
Preferred access to leading providers and facilities
In addition to the open-access approach of Claim Watcher, Claim Watcher Plus includes preferred provider relationships designed to improve value and convenience for members, including:
- Access to select Tier 1 hospitals and physician groups
- Relationships with recognized centers of excellence and leading health systems
- Coordinated provider engagement before care takes place
3.
Lower out-of-pocket costs for members
Claim Watcher Plus plan designs help reduce financial barriers to care by offering enhanced member cost-sharing advantages, including:
- Little to no deductible for Tier 1 provider visits
- Reduced or eliminated coinsurance at preferred facilities
- Platinum-level benefit design options
- Greater cost predictability for members and families
- Enhanced savings without sacrificing provider choice
WHO IT’S FOR
For employers balancing purpose and cost
Claim Watcher® is designed for employers who care deeply about their people, helping mission-driven organizations sustain quality, affordable coverage for their employees.
Nonprofits
- Human services, long-term care, and IDD providers
- Behavioral health and community care organizations
- Faith-based or mission-driven organizations serving local communities
Privately Owned
- Construction and specialty contracting businesses
- Manufacturing and industrial companies
- Retail and multi-location service employers
- Transportation, logistics, and distribution companies
Public Sector
- Municipal and local government agencies
- Public school systems and educational institutions
- Public utility and community service organizations
Real claims. Real savings.
Flexible plan structures to fit your goals
RBP + Physician-Only Network
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Combines familiar access with greater control over high-cost claims.
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Primary Care: Members have access to Prime Health’s extensive physician only network with over 600,000 primary care providers across the U.S.
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Hospital and Facility claims are repriced with RBP with balance bill protection.
Dual-option arrangements are also available.
Talk to your Homestead representative to learn more.
RBP + Direct Primary Care (DPC)
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Enhances care access through unlimited primary care visits, same-day or next-day appointments, and virtual options.
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Improves health outcomes and reduces downstream costs by fostering stronger patient-provider relationships and early intervention.
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Ideal for employers focused on prevention and creating a personalized healthcare experience for day-to-day care, while targeting high-cost hospital claims and reducing long-term spend.
Dual-option arrangements are also available.
Talk to your Homestead representative to learn more.
RBP Only (Full Replacement)
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Delivers the greatest savings potential and simplicity.
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Ideal for employers with appetite for driving meaningful change and committed to employee communication and engagement.
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Supported by Homestead’s full member advocacy and provider support team.
Dual-option arrangements are also available.
Talk to your Homestead representative to learn more.
Having the right support makes all the difference
Clear the Path™
Our Clear the Path™ program makes your transition to Homestead simple – ensuring employees are all set to see their providers – when the plan starts.
Concierge Member Services
Our concierge member services and provider relations teams work with your organization during onboarding, contacting your member’s providers to introduce Claim Watcher® and get them comfortable with reference-based pricing. Our Concierge Member Services team educates and assists members making the best choices for their health care needs.
Balance Bill Protection
Because we introduce the plan to providers before members seek care, balance bills are rare. But if a member does get a balance bill, we’ve got their back. We provide full legal defense and ongoing member advocacy – and manage the process from start to finish – at no additional cost to the member or the plan.
FAQs
Frequently asked questions
How is Claim Watcher different from other reference-based pricing solutions?
Many standalone RBP solutions are built primarily to reprice claims, not to manage the full healthcare experience. Without comprehensive provider engagement and member support, their ability to deliver smooth access to care and a positive employee experience is inherently limited. Claim Watcher is different.
Homestead combines transparent RBP pricing with integrated plan administration, proactive provider outreach, Concierge Member Services, and stop loss solutions in one coordinated model designed to support both savings and a more connected, supported healthcare experience.
How much can we realistically expect to save with a Claim Watcher plan?
Savings will vary based on your current plan design, claims experience, employee population, and other factors. However, host employers see meaningful reductions in overall healthcare spend compared to traditional PPO plans — often in the range of 25–30%.
Can Claim Watcher work with our current partners or other benefit solutions?
Claim Watcher is very flexible and successfully integrates into many existing employer benefits ecosystems, Rather than forcing a one-size-fits-all approach, our team works closely with brokers and employers to evaluate, identify what’s working well, and build a right-sized strategy that supports savings, access to care, and a strong member experience with minimal disruption.
Have more questions?
