You may have thought that ASO was something only large businesses can have, but Max is an option for companies with fewer than 50 employees too.

If you have a healthy group or want to move the team in that direction, you should be dictating your insurance needs to the carrier — not the other way around. Get more influence, authority and customization in your plan by making the switch to Max ASO.

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An A.S.-what?

Some call it Administrative Services Only (ASO), others call it self-funded. We call it full control. Bypass the insurer for health, dental, and short-term disability. We only charge you an admin fee when an employee makes a claim, and we outline all our fees up front.

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Known risk

Risk is only negative when it’s unknown and unmanaged. We invest the time upfront to understand your claims history so we can tell you how much to budget and what you can expect to pay in claims. Pair that with honest Stop Loss, and you’ve got surety.

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Plug and play design

Take the pain out of switching insurers. Max ASO can change your insurer with zero disruption to your employees. We do all the work in the background, but you keep the same benefits card, continue to use my-benefits online, and call the same number if you ever need our help.

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Control what you pay

Max ASO is fully transparent; we pay claims as they come in and bill you weekly. You’ll have a closer eye on your benefits plan than you’ve ever had before. You and your advisor will have more information and the freedom to take charge of the health of your plan.

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Honest stop loss insurance

Stop Loss insurance covers all expenses over a set threshold. You set the limit — like $10,000, for example, and anything above that limit gets paid by Stop Loss. Where we differ is we start paying right away, not reconciliation at the end of the year, and we don’t rate your Stop Loss individually. A one-time event shouldn’t affect your long-term rates.

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No upfront funding required

Other providers need you to establish a float before starting an ASO program. Not with us. As your employees make claims, we pay them ourselves. Then, we send you a bill for the claim cost (interest-free) and our fully-transparent administrative fee. The money that you’ve budgeted for your benefits program stays in your pocket — not ours.

Risk is only negative when it’s unknown and unmanaged. That’s why we invest the time upfront to understand your claims history.

Find out what Max As You Go can do for you.

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With Maximum Benefit, you have access to the open market. We’ll secure quotations for the insured benefits of your program like Life, Dependent Life, Accidental Death and Dismemberment, and Long Term Disability from leading insurers.