For Self-Funded Employer Groups

The best of both worlds: zero-deductible access, backed by a national network.

Give employees a $0 deductible, $0 coinsurance tier at our direct-contracted regional health system partner — wrapped by a national BUCA PPO network for care everywhere else. One ID card, one claims process, no compromise on choice.

Request a Meeting See How the Tiers Work
Same ID card. Same eligibility line. Full freedom of choice preserved.
How the benefit is structured
Employee Chooses where to get care Tier 1: Direct Contract $0 deductible, $0 coinsurance Tier 2: National PPO Wrap Standard cost-share, anywhere One ID Card. One Claims Process.
10–30%
Total plan spend returned to the employer
$0
Deductible & coinsurance at Tier 1 direct-contracted providers
40,000+
Additional providers available through the national PPO wrap
The Best of Both Worlds

A locally negotiated rate, with none of the network anxiety.

Self-funded plans usually have to choose between a narrow, deeply discounted network or a broad one at standard cost. This program is built so employees don't have to choose — and the plan captures savings either way.

Layer 1
Direct Contract Tier
Locked, transparent rates with our regional health system partner — negotiated once, not re-bid every year. No "outlier" provisions. Employees who choose this tier pay $0 deductible and $0 coinsurance.
Layer 2
National PPO Wrap
Full national PPO access for care outside the region or outside the direct-contracted specialty list. These providers sit in addition to the direct contract — never in place of it — so choice is never restricted.
Layer 3
Risk Protection
Purpose-built stop-loss, priced against your plan's real, reduced unit costs — making self-funding safe and accessible, even for mid-market employer groups.
Why This Works

Built around what your leadership team and your employees both notice.

For HR & Benefits Leaders
A benefit employees actually notice
A $0 deductible tier at a quality regional health system is a visible, immediate improvement employees feel at the point of care — not a line item buried in a renewal deck.
For CFOs & Finance Leaders
Savings without cost-shifting
Total plan spend comes down through unit cost control, not by shifting more cost onto employees. Savings are structural and compound year over year, not a one-time benefit cut.
For Employees
Freedom of choice, without the penalty
Employees can use the $0 tier at the direct-contracted partner, or use the national PPO wrap anywhere else — no forced steerage, no narrow-network anxiety.
Risk Protection

Built to make self-funding feel safe.

No annual reset
Unit cost control compounds year over year instead of resetting at each renewal cycle — savings build rather than starting over.
Purpose-built stop-loss
Pricing reflects your plan's real, reduced risk — not a generic market rate — making catastrophic claims far less of a barrier to self-funding.
Same card, same doctors
Employees keep their existing ID card and provider relationships. Nothing changes at the point of care except a lower — often $0 — deductible.
Get Started

Considering a $0 deductible tier for your plan?

A first meeting takes 30 minutes and covers whether this structure fits your employee population, current plan design, and renewal timeline.

Request a Meeting Download Program Overview