A cash-pay network and PPO, wrapped in a captive, guided by an AI navigator — the savings and control of self-funding, without the risk. Built for businesses with 50–500 employees.
Without the risk of going self-funded.
Fully-insured groups face relentless annual increases — and never see a dollar back when claims run low.
No claims data, no transparency, no share of the savings. You fund it; the carrier keeps the upside.
Going it alone exposes a 50–500-employee company to a single catastrophic claims year.
Transparent, lower prices on the shoppable care that drives most spend.
Broad provider access and a safety net — no narrow-network anxiety.
Self-funded economics: keep unused claims dollars, with stop-loss capping the risk.
Clarity on every care and billing decision, steering members to better value.
Illustrative 100-employee group vs. a comparable fully-insured plan. Client savings after dividend:
Illustrative only — not a quote, projection, or guarantee. Your figures depend on census, claims, and final plan design.
Members ignore benefits apps — until they need help. Bill shows up at the moment of need: a new diagnosis, a scheduled procedure, a confusing bill.
Routes members to high-value, cash-pay providers before care happens.
Advocates on billing errors and balance bills after the fact.
Higher engagement → lower claims → bigger dividends for the employer.
| Kleen Bill | Fully-insured | Level-funded | RBP | |
|---|---|---|---|---|
| Keep unused claims dollars | ✓ | — | Some | — |
| Cost & data transparency | ✓ | — | ✓ | ✓ |
| Broad provider access | ✓ | ✓ | ✓ | — |
| Member navigation built in | ✓ | — | — | — |
| Multi-year renewal caps | ✓ | — | — | — |
Founding members for the 2027 plan year lock in charter economics and help shape the program.
Capped increases for 3 years.
Plus a Year-1 dividend floor.
We make up the year-one difference.
A lower barrier to switch.
A voice in plan & navigator design.
Preserved as long as you stay.
To hold a spot: a signed Letter of Intent + a $100-per-employee good-faith deposit.
A differentiated plan that pays you transparently and protects your client relationship.
“Your renewal’s up double digits again. What if your client could keep the dollars they don’t spend on claims, cap their renewals, and give employees an AI guide to better-priced care — without the full risk of self-funding? You stay their broker, you’re paid a transparent fee, and if it doesn’t beat their current carrier in year one, we make up the difference.”
Tell us a little about your group or your practice and we’ll follow up within one business day. Peak season is now — founding spots are limited to 25.
Dan Nunn
704.965.3607
dnunn@kleenbill.com
