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Level-Up is a general agency who serves brokers and agents by making it simple to bring cost-effective health insurance alternatives to your employer group clients.
Who is LEVEL-UP General Agency​
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With 100 years of combined experience in employee benefits, Level-Up provides expertise and full service support to agents and brokers in regional markets.
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We leverage our established industry relationships to bring innovative Level-Funded group health insurance solutions to employer groups that need more affordable options.
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Work with A-rated reinsurers, administrators, and benefit brokers to build and manage custom, employer-based packages of benefits.
How Can We Help​
Level-Up will provide training for you and your clients on Level Funding and the plans we have to offer.
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We will review the underwriting and census data provided. Electronic Health Apps will be coordinated if needed. Level-Up will quote multiple self-funded options for your client. An analysis will be done to see which plans would best fit the needs of the employer group. The quotes and recommendations will be packaged for you to present to your client.
Ongoing case management will be a collaborative effort between your brokerage, our service teams, and the plan administrators.
Identify
We use a market-based approach to identify unmet needs where niche opportunities present growth potential.
Build
We partner with reinsurers, non-insurance benefit/service providers, vendors, administrators, and technology companies, in order to design and develop the needs-based programs for the marketplace.
Sell
We drive sales through insurance brokers and agents.
Manage
We build long-term blocks of business that are based on sound underwriting and operational and financial transparency.
Benefits of Level-Funding
Level funding allows small employers to manage¹ the risk for large claims, while enjoying the cost savings and refund² potential of self-funding a health plan.
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Twelve level monthly payments each year covers¹ the costs for your plan, with the potential for earning a refund² at the end of the year.
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Medical billing transparency is another area where employers benefit from a Level-Funded plan. It allows them to see how well the plan is running throughout the year.
¹Large claim risk managed by stop-loss insurance with run-out coverage, subject to policy exclusions, solvency of insurance carrier, policy effective dates, mid-year Plan termination, and other policy terms and conditions."
"²Refund subject to claims experience, run-out claims, mid-year Plan termination, and the terms and conditions of the administrative agreement."
What groups are a good fit​
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Self-funding provides different age-rating slopes
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Good fit for younger, healthier groups
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Groups seeking cheaper rates than BUCA
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Typically small to mid-size 2-100 lives
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Employer’s trying to offer ACA coverage at a reasonable price point
