Health Plan Solutions Built Around Employers

Self-funded health plans allow employers to pay for actual healthcare claims rather than paying fixed premiums to a carrier. The model creates greater transparency and gives employers control over plan design, network strategy, and cost management.

CDB administers self-funded plans for employers who want a sustainable alternative to fully insured coverage. Our team handles claims administration, compliance support, reporting, and plan operations while helping employers implement strategies that lower medical and pharmacy spend.

Employers gain visibility into where healthcare dollars are going and the flexibility to design a plan that fits their workforce.

TrueCost is CDB’s reference-based pricing solution designed to control hospital and facility costs. We crafted this solution in 2012 and have been fine tuning it ever since. Instead of relying on traditional networks with inflated contracted rates, TrueCost ties reimbursement to a transparent benchmark based on Medicare pricing.

Hospital services are often the most expensive part of an employer health plan. Reference-based pricing can significantly reduce those costs compared to traditional PPO contracts while maintaining broad provider access for members.

CDB supports members through every step of the process. Our advocacy team works directly with providers when questions arise so we can ensure members are supported, informed, and reassured along the way.

Prescription drug costs are one of the fastest growing drivers of employer healthcare spend. Many plans lack visibility into pricing structures and rebate arrangements that influence the final cost.

CDB implements pharmacy strategies that focus on transparency, clinical oversight, and active management of high-cost medications.

Specialty drugs and complex pricing structures often drive pharmacy spend higher each year. Active management helps employers avoid unnecessary costs while maintaining access to the medications members depend on.

Our team evaluates pharmacy benefit structures, specialty drug utilization, and formulary design to help employers reduce unnecessary spending while supporting member health.

• TrueCost Rx - Reference-Based Pricing on Pharmacy
• Independent Specialty Drug Prior Authorizations
• Specialty Drug Copay Assistance and Alternative Funding Solutions
• Custom Care Population Health Management
• In-House Utilization & Case Management

Healthcare systems can be difficult for members to navigate. Billing confusion, prior authorization challenges, and provider questions often leave members frustrated and employers fielding benefit issues.

CDB provides in-house medical management and patient advocacy services that support members from the moment they enroll in the plan.

When members call with a question, they reach a real person who can help resolve issues, coordinate care, and guide them through complex situations. Our advocacy team works directly with providers, pharmacies, and hospitals so members receive the support they need.

Traditional carrier networks often hide wide price variation across hospitals and providers. Employers pay higher costs without clear insight into where those increases originate.

CDB helps employers evaluate and implement alternative network strategies that reduce medical costs while maintaining access to high quality care.

Options include PPO networks, dual option, reference-based pricing models, hybrid network structures, or out-of-network support models depending on the employer’s goals and workforce needs.

Because the plan is self-funded, employers can prioritize value and transparency rather than relying solely on carrier network contracts.

Brokers remain a central part of the relationship. CDB works alongside benefits advisors to help employers design smarter health plans while giving brokers the tools and transparency needed to support their clients.

Our team provides data insights, strategic guidance, and plan design support that helps brokers deliver stronger renewal conversations and long-term value for their clients.

This collaborative model ensures employers receive a custom plan strategy while maintaining the trusted advisor relationship they already have.