What’s Clarity Health Plans?
A Trusted Alliance
A group of independent vendors enter an “alliance” agreeing to be accountable and transparent under financial penalty.
We can match any benefit design and also give our customers deductible and out-of-pocket credits.
We focus on a fiduciary approach with Pharmacy Benefit Managers, or PBMs.
We provide Level-Premium Plans for groups with 10 or more enrolled employees. Our Level-Premium Plans will refund 100% of the employer’s reserve dollars. Traditionally Self-Funded Plans are used for larger employers with 150 or more employees.
- Our healthcare system was built “broken” from the start.
- The MLR Rule (Medical Loss Ratio) requires that 80% of your rates are claims costs.
- No “true transparency” or accountability exists in the current system.
- Insurance carriers bundle and contract out plan components, collecting additional revenue from the vendors.
- Carriers withhold important information about managing your plan and costs.
- Carriers use unregulated PBMs who rebate, spread price, and repackage drugs, passing costs onto unsuspecting clients.