--- title: Fairos Level-Funded Health Plans | The OccuNet Company description: Fairos Level-Funded health plans combine Reference-Based Pricing, predictable monthly costs, stop-loss protection, and transparent pharmacy benefits. Unused claims money comes back to you. --- [![Logo](https://www.occunet.com/hubfs/website/logo.png) ![Logo](https://www.occunet.com/hubfs/occunet-grayscale-logo.png)](https://www.occunet.com/?hsLang=en) - About \+ + - - Solutions \+ + - - [OnPoint](https://www.occunet.com/solutions/onpoint?hsLang=en) - Contact \+ + - - [News](https://www.occunet.com/news?hsLang=en) - [Impact](https://www.occunet.com/impact?hsLang=en) Portal Login ![](https://www.occunet.com/hs-fs/hubfs/About_Dropdown.jpg?width=517&height=514&name=About_Dropdown.jpg) ![](https://www.occunet.com/hs-fs/hubfs/Site%20Photos/OutsideBuilding-20-min.jpg?width=517&height=514&name=OutsideBuilding-20-min.jpg) ![](https://www.occunet.com/hs-fs/hubfs/Site%20Photos/OutsideBuilding-20-min.jpg?width=517&height=514&name=OutsideBuilding-20-min.jpg) ![](https://www.occunet.com/hubfs/website/occunet.png) [Client Login](https://www.occunet.com/clients/login?hsLang=en) [Client Login](https://www.occunet.com/clients/login?hsLang=en) ![](https://www.occunet.com/hubfs/fairos%201.png) [Client Login](https://fairos.com/clients/login) [Member Login](https://fairos.com/members/login) ![](https://www.occunet.com/hubfs/fairosrx%201.png) [Client Login](https://www.fairosrx.com/clients/login) [Member Login](https://www.fairosrx.com/members/#/login) - About \+ + - - Solutions \+ + - - [Impact](https://www.occunet.com/impact?hsLang=en) - [OnPoint](https://www.occunet.com/solutions/onpoint?hsLang=en) - Contact \+ + - - [News](https://www.occunet.com/news?hsLang=en) Portal Login ![Fairos](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-1.svg) # Level-Funded Health Plans Pay for the Care You Use. Keep the Rest. Fairos Level-Funded brings together Reference-Based Pricing (RBP), predictable monthly costs, stop-loss protection, transparent pharmacy benefits, and dedicated member support to help employers lower healthcare spending without sacrificing the member experience. [See My Price Estimate →](https://www.occunet.com/solutions/rbp-level-funded#price) Plan year summaryEstimate Returned to your business $38,210 Claims came in 10% under the claims fund, so the unused money is returned to employer. Claims paidReturned to employer Illustrative example for 75 enrolled employees. Get your price ## Your Claims Fund, Not the Carrier's. Your Claims. Your Savings. Your Money. Not all level-funded plans are created equal. At Fairos, we return 100% of unused claims dollars to you at the maturity of the health plan. If you're considering other level-funded solutions, be sure to ask, “How many of my unused claims dollars come back to the plan?” If the answer isn't 100%, the next question should be, “Who keeps them?” [Get a Firm Quote Upload your documents. Firm quote in approximately 5 days.](https://4zmui.share.hsforms.com/29nzC1E_LTr2UxK4XIoYSGQ)[Schedule a Call With Fairos Talk through your options with our team. Pick a time that works for you.](https://meetings.hubspot.com/art-baldwin/flf-meeting-link-round-robin) Unused claims money is returned after the plan year ends and late claims are paid. In a year with high claims, there may be nothing to return. ← Back 1 of 3 × **The estimate tool needs a full web browser.**This preview can't run it. Open the page in Safari or Chrome, or use Get a Firm Quote to upload your documents.[Get a Firm Quote](https://4zmui.share.hsforms.com/29nzC1E_LTr2UxK4XIoYSGQ) See My Estimate Instant estimate in about 1 minute. ## Where's your business? Type your address, then pick it from the list. Business address Change Fairos Level-Funded isn't available in your state yet. Let's talk about other plan options. [Talk With Our Team →](https://www.occunet.com/contact-us?hsLang=en) Please choose your address from the suggestions. Continue → ## Tell us about your team. Approximate numbers are fine. Full-time eligible employees − 25 \+ How many will likely sign up? 19 Most teams see 70–80% sign up. Who will your employees cover? Themselves A mix Families Typical age on your team Under 35 35–49 50+ ← Back See My Price → Estimate ## Here's your estimated price. Per enrolled employee, per month $470–$540 Estimate Plan level BronzeLower cost SilverMost popular GoldMost coverage Monthly total**$9,700** Claims fund / mo**$6,600** Back to you\***$15,800** \*If claims come in 10% under the claims fund for the year. In a high-claims year there may be no refund. Based on [Schedule a Call with Fairos](https://meetings.hubspot.com/art-baldwin/flf-meeting-link-round-robin) Get my firm quote → Prototype pricing for illustration only. Not an offer of coverage. ## Get your firm quote Upload your documents and we'll send a firm quote in approximately 5 days. Loading form… The form didn't load here. [Open the firm quote form in a new tab](https://4zmui.share.hsforms.com/29nzC1E_LTr2UxK4XIoYSGQ). ## You're all set. We saved your estimate and sent a copy to your email. ### What happens next 1. **Upload your team list** We'll email you a secure link. A simple list of names and birth dates is enough. Takes about 5 minutes. 2. **Get your firm quote** Real numbers for your team, usually within 5 business days. 3. **Pick a start date** Sign online and choose your start date. Back to Fairos How it works ## Pay a Steady Amount. Keep What You Don't Use. With traditional insurance, the insurer keeps most of what isn't spent on claims. With Fairos, unused claims money comes back to you. 1 Step 1 ### You pay one fixed amount each month Same bill every month, like any insurance plan. No surprises when someone has a big year. 2 Step 2 ### We pay your team's medical bills Claims are paid from your plan's claims fund. Stop loss coverage, included in your monthly cost, pays claims above set limits. 3 Step 3 ### Leftover money comes back to you After the plan year ends and late claims are paid, you keep 100% of the unused claims fund. Select your plan ## View All Plans Six plan designs across three levels, so brokers and employers can match coverage to budget. Every plan includes Reference-Based Pricing, transparent pharmacy benefits, dedicated member advocacy, and stop loss protection. Fairos Level-Funded ### Bronze Available as Bronze or Bronze Plus - Our lowest cost plan - Higher deductible, lower cost - Generic focused formulary - Reference-Based Pricing - Dedicated Member Advocacy - Full plan administration (TPA) - 24/7 telehealth access Ideal for businesses with 50 to 175 employees. Fairos Level-Funded ### Silver Available as Silver or Silver Plus - A balance of coverage and cost - Moderate deductible and copays - Managed pharmacy formulary - Reference-Based Pricing - Dedicated Member Advocacy - Full plan administration (TPA) - 24/7 telehealth access Ideal for businesses with 50 to 175 employees. Fairos Level-Funded ### Gold Available as Gold or Gold Plus - Our most comprehensive plan - Lowest out of pocket costs - Select formulary, lowest copays - Reference-Based Pricing - Dedicated Member Advocacy - Full plan administration (TPA) - 24/7 telehealth access Ideal for businesses with 50 to 175 employees. Beyond fully insured ## Advantages of Fairos Level-Funded Five things a fully insured plan doesn't give employers or their brokers. Reference-Based Pricing (RBP) ### Fair prices on every claim. On a fully insured plan, claims are priced off network discounts no one ever sees, and the premium follows. With RBP, every claim is priced against a fair, Medicare based benchmark, so the plan pays a defensible price and employees pay less, too. Transparent pharmacy benefits ### See what every drug really costs. Fully insured plans usually bundle pharmacy into the premium, with little visibility into what drugs actually cost. With FairosRx, you see the real price of every prescription, and the savings stay with the plan. Unused claims dollars 100% ### returned to the employer. With fully insured coverage, a healthy year mostly benefits the carrier. With Fairos, every unused claims dollar comes back to the employer after the plan year ends and late claims are paid. Access to your claims data ### Know what drives your costs. Fully insured groups often get a renewal number with little explanation. Fairos employers see every medical and pharmacy claim, so employers and brokers can understand what drives cost and plan the renewal with real information. Dedicated member advocacy ### One advocate, for life. On a fully insured plan, a surprise bill or claim question usually means a call center and a new person every time. With Fairos, each employee connects with a dedicated advocate who stays with them for life and works any balance bill through to zero. Why switch ## Fully Insured Security. No Blind Spots. How Fairos compares with a traditional fully insured plan. | Plan feature | Fully insured | Fairos Level-Funded | | --- | --- | --- | | Monthly cost | Fixed | Fixed, with money back potential | | Healthy year, low claims | Insurer keeps the savings | Unused claims money comes back to you | | Big, unexpected claim | Covered | Covered, with stop loss protection | | Bad claims year | Higher rates at renewal | Your maximum cost is capped | | Prescriptions | Bundled in, with costs you can't see | Transparent pricing on every drug | | Balance bills | Employees can owe the unpaid balance | A member advocate works it out for them | | See where money goes | Limited reporting | Full medical and pharmacy claims data | Fairos Level-Funded Ecosystem ## One Plan, a Full Team Behind It. An integrated stack of vetted partners, built around the employer group. Our core partners support your employees on every plan. ### Core Partners Included and supporting your employees on every plan. ![Fairos](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-2.svg) Reference-Based Pricing (RBP) Claims priced at fair benchmark rates, not hospital markups Every plan Your employees Supported by five core partners, working as one plan. ![FairosRx](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-3.svg) Pharmacy Benefit Manager (PBM) Transparent prescription pricing, with no hidden markups ![EDIS, Employer Driven Insurance Services](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-4.png) Third-Party Administrator (TPA) Handles claims, eligibility, and ID cards ![Fairos+](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-5.svg) Member advocacy A personal advocate for every employee ![Teladoc](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-6.svg) Virtual care 24/7 doctor visits by phone or video ### Supporting Point Solutions Embedded in the plan. No separate employee enrollment. National lab testing ![Labcorp](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-7.svg) National diagnostic testing ![Quest Diagnostics](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-8.png) UM and precertification ![MedWatch](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-9.png) Hospital bill review ![Goodbill](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-10.svg) National imaging network ![Green Imaging](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-11.svg) Diabetes supplies ![Diathrive Health](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-12.png) Medical equipment ![Connect DME](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-13.png) Physician network ![Prime Health Services](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-14.svg) Optional Physician network ![HealthSmart](https://www.occunet.com/hubfs/raw_assets/public/website-theme/images/fairos-level-funded/fairos-lf-15.png) Optional Member experience ## A Better Healthcare Experience, Built Around Your Employees. Support that stays with your employees from their first question to their final bill. Advocate for life Once our members connect with an advocate, they stay connected to that advocate for life. Balance bill defense From first notice to final resolution, Fairos owns the process. True advocacy, verified to zero balance. Go almost anywhere No narrow network. Broader provider access and lower out-of-pocket costs for our members. [![Logo](https://www.occunet.com/hubfs/website/logo.png)](https://www.occunet.com/?hsLang=en) [1800 S. 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