OptiFlex Level-Funded Medical Plan
Level-Funded Health Plans for Washington Manufacturers
Premera OptiFlex helps eligible Washington employers gain more control over health plan costs without taking on the full complexity of traditional self-funding. Designed for groups with 51+ enrolled employees, OptiFlex combines predictable monthly billing, claims reporting, stop-loss protection, and potential surplus sharing.
How OptiFlex Works
- Same Plans, Smarter Funding
OptiFlex medical plans are identical to VMT's fully insured options with the same networks plan designs, and deductible options. The only difference is how they're funded.
- Your Investment, Your Surplus
Instead of paying fixed premiums to an insurance company, you pay for actual claims plus administrative fees. When claims are lower than projected, 50% of the surplus comes back to you.
- Built-in Protection
Stop-loss insurance automatically kicks in to protect you from unexpectedly high claims, giving you the upside of self-funding with guardrails against downside risk.
- 12-Month Contracts
Flexible annual contracts give you the opportunity to evaluate performance and adjust as your business needs change.
Why Choose OptiFlex?
- Potential Cost Savings
Keep what you don't spend. In low claims years, you're eligible for a 50% refund of claims surplus—money that stays with your business instead of the carrier.
- Claims Transparency
Understand exactly where your healthcare dollars are going. Access detailed claims reporting to identify cost drivers and make informed decisions about plan design and wellness initiatives.
- Protected from Risk
Stop-loss insurance caps your exposure. Higher-than-expected claims are covered at no additional charge, protecting your business from catastrophic losses.
- Simplified Administration
All the benefits of self-funding without the headaches. Administration, stop-loss insurance, and claims payment are bundled in one best-in-class package through Premera Blue Cross.
- Comprehensive Membership Benefits
Health coverage is just the beginning. Your Vigilant membership includes:
- Employment law counsel
- Human resources guidance
- Workplace safety assistance
- Member resource library access
- Expand Your Coverage
Add workers' compensation services and join our retro program to earn premium refunds based on your safety performance. Explore our Workers’ Comp & Retro programs.
Request a Quote or Contact Us
For more information, please contact the association team at DiMartino Associates:
DiMartino Associates
Phone: 206-623-2430
Email: vgbt@dimarinc.com
All Employee Benefit plan participants must be dues-paying members of the Vigilant association.
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