Group health insurance

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Every business is different, and your health plan should reflect that.

We help employers evaluate:

• Fully Insured Plans 
• Level-Funded Plans 
• Self-Funded Plans 
• Group Captive Programs 
• Reference-Based Pricing 
• Direct Contracting Strategies 

We also work alongside leading:

• Pharmacy Benefit Managers (PBMs) 
• Third-Party Administrators (TPAs) 
• Stop Loss Carriers 
• Care Navigation Partners

Health insurance plan designs and structures can feel overwhelming alone. With Piggyback we work on your behalf alongside these leading:

• Pharmacy Benefit Managers (PBMs) 
• Third-Party Administrators (TPAs) 
• Stop Loss Carriers 
• Care Navigation Partners
• And other innovative solutions in the marketplace making strides in healthcare.

Through our internal care coordination services, employees receive guidance toward high-quality, cost-effective healthcare options for:

• Surgeries 
• Imaging 
• Specialists 
• Procedures 
• High-Cost Treatments 

This not only improves employee outcomes but also helps reduce unnecessary healthcare spending for both employers and employees. This is a critical part of controlling premium increases.

For businesses looking for alternative, lower cost, more creative benefit strategies, we also offer:

• HealthShare Programs 
• Minimum Essential Coverage (MEC) Plans 
• Section 125 Qualified Plans
• Direct Primary Care (DPC) 
• Supplemental Benefits 
• Workers' Compensation 
• DOT Physical Programs 

Our goal is simple: deliver better benefits while helping employers regain control over healthcare spending.

Companies that are too small to offer a traditional health insurance plan but are still wanting to compete for talent in the marketplace these are great plans to explore. They are not for everyone so make sure to talk with your advisor and employees about the differences and coverages available to them.

Our AI-powered healthcare decision support tool helps employees make more informed healthcare choices using real pricing, quality, reviews, and provider information accumulated through our growing healthcare database.

Based on your plan design, deductible, co-insurance, co-pay, and network. You and your employees can search for care, and shop procedures with transparency before committing.

More accurate information, means we can make better decisions for our health and our finances. This service is available 24/7 and can help your employees feel more confident when making decisions that can effect their health and finances.

Includes imaging, blood work, office visits, surgeries, procedures, occupational medicine, primary care, urgent care and more.

A group health insurance captive is an alternative funding strategy that allows businesses to join together to self-fund their employee health benefits while sharing risk with other like-minded employers. Instead of paying fixed premiums to a traditional fully insured carrier, participating companies contribute to a captive program that is designed to reduce unnecessary insurance costs, provide greater transparency, and reward organizations with healthy claims performance. 

Companies join captive health plans to gain greater control over their healthcare spending, improve long-term cost stability, and access data-driven strategies that help lower claims over time. For businesses with a commitment to managing employee health and benefits strategically, a captive can provide significant savings, enhanced plan flexibility, and a more sustainable alternative to traditional group health insurance.