The selection process is simple: The employer selects either a traditional plan or high deductible health plan (HDHP), then a deductible, member-share percentage and prescription coverage (with traditional plans), and that's it. The remaining plan details are in place and mirror coverages which have been enjoyed by thousands of USHL groups for more than a decade.

A staff of more than 170 professionals stand behind the SafeGuard Self-Funding plans, providing all required administrative services-- from claims adjudication and provider payments, to network coordination, claims dispute resolution and member communication.

No Fluctuation in Plan Cost.

USHL SafeGuard Self-Funding requires that the employer makes one monthly payment, comprised of an administrative fee, excess loss insurance premium and a pre-funded claims account payment. This monthly payment is determined at the time of underwriting, and only changes based on fluctuations in enrollment.

The employer will not owe more than the monthly payment-- if a claim exceeds funds available in the pre-funded claims account, the balance is paid from an aggregate advancement or an excess loss insurance payment, or both.

USHL SafeGuard Self-Funding offers employers the ability to regain control of their healthcare benefit costs. If, at the time of settlement, the pre-funded claims account balance has not been spent on group claims and the incurred but not reported (IBNR) estimate, USHL returns to the employer any surplus funds remaining.

Agents wishing to submit quote requests for Michigan, Indiana or Ohio groups can download a SafeGuard Self-Funding quote request form here, or contact USHL Sales Support for assistance at 844-828-5968.