Imagine a world where your school isn’t just a place of learning but a pioneer in healthcare innovation – where every dollar spent on employee benefits works harder, where catastrophic claims don’t threaten your budget, and where your staff thrives with tailored, top-tier care. This isn’t a dream – it’s the power of Bridged Health Alliance, and it’s within your reach.
Montana public schools participating in Bridged Health Alliance have two funding models from which to elect. This innovative approach maximizes benefits and cost and provides stability, predictability, and peace of mind for schools, employees, and their loved ones.
The Prairie Tier (Tier One) is suitable for schools of all sizes but is optimized for those with fewer than 100 employees. In this tier, schools pay an even monthly contribution encompassing all administrative and expected claims costs, serving as the maximum financial liability. It’s considered a level-funded plan, a type of self-funded plan in which the school district makes a steady monthly payment to cover costs for administration, claims payments, and stop-loss insurance. The basis of level-funded plans is the accuracy of the rates that are unique to each group; school districts should not pay more for health coverage than is needed.
The Skyline Tier (Tier Two) is your traditional self-funding mode for ones with more than 100 employees; schools are responsible for paying their own claims, can bring their benefit design and plans, maintain local control, and yet take advantage of the substantial savings in administrative costs afforded by Bridged Health Alliance’s size and scale.
Self-funding isn’t a solo effort — it’s a strategic collaboration designed to protect your school and empower your employees. Here’s who’s on your side:
An Established Trust – A dedicated fund driven by school and employee contributions, ensuring claims are paid without draining your operating budget
A Broker – Your strategic guide, crafting plan options that fit your unique workforce
A Stop-Loss Insurance Carrier – Partnered with Bridged Health Alliance, this safety net shields you from devasting claims – an airbag for the unexpected
A Third-Party Administrator (TPA) – Handpicked by Bridged Health Alliance, they handle the heavy lifting – customer service, claims processing, and access to top-tier hospitals, clinics, and doctors.
A Pharmacy Benefit Manager (PBM) – Also selected by Bridged Health Alliance, they negotiate drug prices, streamline prescriptions, and keep costs in check
Healthcare costs are soaring, but your school can take a different approach. Self-funding isn’t just a strategy – it’s a movement. It’s about flexibility, savings, and putting your employees first; with Bridged Health Alliance, you can craft a plan as dynamic as your school.