Take control of your
self-funded health plan.
Stop overpaying for a one-size-fits-all plan. Self-funding gives you the flexibility, transparency, and data ownership to build benefits that actually work for your team.
Why self-fund
The smarter way to manage employee benefits.
Self-funded plans put you in the driver's seat. You control the plan design, keep the savings when claims are low, and get full visibility into how every dollar is spent.
Cost savings
Eliminate carrier profit margins and keep surplus funds. Average employers save 10-25% versus fully insured plans.
Plan flexibility
Design benefits around your workforce. Choose networks, set plan terms, and add programs that matter to your people.
Transparency
See exactly where your healthcare dollars go. No hidden fees, no bundled charges, no surprises at renewal.
Data ownership
Your claims data belongs to you. Use it to make smarter decisions, negotiate rates, and forecast costs accurately.
Full-service administration
We handle the complexity so your HR team doesn't have to.
Medical, dental & vision
Comprehensive administration across all health benefit lines.
FSA, HSA & HRA
Consumer-directed account setup, management, and compliance.
COBRA administration
Full COBRA compliance, notifications, enrollment, and premium collection.
Enrollment services
Online enrollment, eligibility management, and ID card issuance.
Eligibility management
Real-time eligibility feeds to providers and pharmacy networks.
Compliance & reporting
ERISA, ACA, HIPAA, and state-level regulatory compliance and filings.
Results we deliver
Cost containment
Strategies that lower costs without cutting coverage.
We deploy a suite of proven cost-containment tools tailored to your plan's specific cost drivers and member population.
Out-of-network negotiation
Aggressive repricing on out-of-network claims with an average 68% savings off billed charges.
Reference-based pricing
Transparent pricing benchmarked to Medicare rates, eliminating inflated hospital charges.
Subrogation recovery
Identify and recover claims costs where a third party is liable, returning dollars to your plan.
Utilization management
Pre-authorization, concurrent review, and care navigation to ensure appropriate care at the right cost.
Employer portal
Everything you need, always accessible.
Our employer resource center gives your HR team 24/7 access to real-time plan data, reports, and tools.
Account management
A team that knows your plan inside and out.
Every client gets a dedicated account team — not a call center. Your team is trained on your plan document and available when you need them.
Client retention rate across all employer groups
Average phone response time for employer inquiries
Average satisfaction score from annual employer surveys
Average implementation timeline from contract to go-live
Ready to build a better
benefits program?
Let's talk about how Summit can help you take control of your health plan, reduce costs, and give your employees the benefits experience they deserve.