Is self-funding with CDB right for you?
CustomDesignBenefits.com

Self-Funded Health Plans that are Easy on Employees and the HR Pros that Serve Them

  • Often little to no annual rate increases
  • Lower pharmacy spend by 20-25%
  • Fully customizable health benefit plans
  • Customer Service Like an Extension of Your HR Department

When you need to recruit and retain employees, the last thing you want is skyrocketing insurance rates and plans that don't allow you flexibility to change direction.

At Custom Design Benefits, we work side by side with HR departments and their brokers to develop a self-funding plan that helps their organization thrive. Whether its controlling benefits spending, developing a more attractive benefits package or ensuring compliance record-keeping is done right and on time, we provide the support and expertise you need to succeed.

COMPARE THE BENEFITS: Fully Insured vs. Self-Funded

Fully Insured Self-Funded
Administrative Costs Average $65 Average $35
Rate Increases 20-30% year over year Often flat or modest increase. If stop-loss insurance is applied to higher than anticipated claim costs, the increase is often still less than 10%.
Claims Disclosure Traditionally not available Access to all claims data
Oversight Authority All state and federal requirements Federal requirements
Monthly Costs Fixed cost month to month regardless of usage Can vary based on claims experience
State Premium Tax Taxed on the full premium Only stop-loss premium is taxed
Ability to Customize Plan Plan design is created by insurance carrier Employer can completely customize plan design
Network Choices Traditionally one network, which is owned by the carrier Can be selected based on employer needs both national and regional
Health and Wellness Programs Traditionally one-size-fits-all pushed by the carrier Customized based on employers' needs
Reserves Retained by the carriers Retained by the employer to pay for future year health premiums and reserves
Profits Retained by the carriers Retained by the employer


*Source: Kaiser Family Foundation Employer Health Benefits Survey.

See What Our Partners Have to Say About the Custom Design Benefits Advantage

"Our employees love the plan and we get great customer service."
"What I love best about our Partnership with Custom Design Benefits, is they truly listen to our unique, specific needs."
"We built a system that is better for the company and better for our employees."

Click here to see other customer testimonials.

Did You Know: 65% of U.S. Workers Are Covered By Self-Funded Plans

Our Benefit Plan Administration Services

  • Medical/Dental/Vision
  • Flexible Spending Accounts
  • Health Savings Accounts
  • Lifestyle Spending Accounts
  • Reference-Based Pricing
  • Direct Primary Care
  • Integrated Patient Advocacy
  • COBRA
  • FMLA and Leave Management

Discover How CDB Customers Found Success With Self-Funding



Easy Transition to Self-Funding Saves Township Nearly
$800,000 Annually

Discover how one HR director overcame uncertainty with self-funding and turned what would have been a 35% insurance increase into $800,000 in annual savings.

Read Case Study


$30,000 Saved Per Employee
with Custom Design Benefits
Partnership

We not only helped to procure a great plan for employees of Holland Roofing - we also saved them 47% on their employee benefit costs.

Read Case Study


Company Goes from High
Deductible to Zero Deductible
Plan with Self-Funding

Custom Design Benefits' TrueCost plan helped a building materials supplier offer a $0 deductible plan that helped improve employee recruitment efforts.

Read Case Study

Let's Make a Difference Today!

Contact Our Self-Funded Plan Designers for a Consultation

Hours of Operation:
Monday - Friday
8:00 am to 5:00 pm EST
513.598.2929 Local Cincinnati Area
800.598.2929 Toll-Free