Small businesses can now offer their employees customized, high-quality health insurance at an affordable cost. Allina Health | Aetna Funding Advantage plans are specially designed for the needs of small businesses in Minnesota. It gives small businesses the benefits of self-funding that typically were only available to larger companies — providing savings, certainty and control.
Savings
Small businesses make a fixed monthly payment that covers expected claims, stop-loss protection, administrative fees, and run-off claims. If claims are higher than expected, businesses are protected by stop-loss coverage. If claims are lower than expected, businesses receive 50% of the surplus when they renew. Total savings could be up to 25% versus traditional, fully funded plans.
Certainty
The certainty of a fixed monthly payment and access to monthly reporting allows small businesses to plan ahead and better manage cash flow. The stop-loss coverage ensures that your monthly cost does not go up. And, if there is a surplus, you can get 50% back.
Control
With a range of plans and benefits to choose from, you can better select what your employees need and value most. Our total approach to health includes services like:
- 24-hour Nurse Line
- Behavioral health and therapy programs
- No-cost care at specified walk-in clinics
- Health Reimbursement Accounts (HRAs) and Health Savings Accounts (HSAs)
A total approach to your health and wellness
Allina Health | Aetna is a unique partnership with a refreshing new approach to health care. Our plans are designed to deliver more personal, affordable and effective health care right in your community.
