Easier health care designed for small businesses
Small businesses with two employees can now offer their employees convenient, customized and 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.
We give you the self-funding benefits typically 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:
- A 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)
Effective solutions that fit a variety of needs
Our health coverage solutions bring together local expertise with the experience of a leading national insurance brand. We provide plans that deliver the services members value with the type of cost clarity that gives peace of mind.
