OptiFlex Self-Funded Medical Plan
Self-Funded Health Plans for Washington Manufacturers
Greater control, potential cost savings, and claims transparency through OptiFlex—self-funded medical plans in partnership with Premera Blue Cross for groups of 50+ employees.
OptiFlex brings the advantages of self-funded health coverage to mid-sized Washington manufacturers without the complexity and risk typically associated with self-insurance. In partnership with Premera Blue Cross, Vigilant offers a streamlined self-funding solution that gives you greater control over your healthcare spending while protecting you from catastrophic claims.
Designed for groups with 50 or more enrolled employees, OptiFlex combines the flexibility of self-funding with the stability of stop-loss protection—all backed by Vigilant's comprehensive membership benefits including employment law support, HR guidance, and workplace safety resources.
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
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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