See the costs.
Separate claims, administration and insurance charges to understand where your benefits dollars go.
Maximum Benefit ASO provides
Control the cash flow.
Pay for claims as they occur, with no upfront claims float required by Maximum Benefit.
Keep the upside.
When claims are lower than expected, the difference stays with your organization. Actual savings depend on total plan costs.
With Administrative Services Only (ASO), the employer funds health and dental claims, plus administration and applicable insurance charges. Benefits such as life insurance and long-term disability remain insured.
Put the risk in view, too.
Stop-loss insurance covers eligible health claims above a selected annual per-person threshold, subject to policy terms. Ordinary claims still fluctuate; this is not a cap on total annual plan spending.
Our analysis would examine the claims history, cash-flow exposure and protection needed to assess whether this approach fits your organization.