It’s time to upgrade to Smarter Healthcare.


  • Better overall company performance
  • Lower absenteeism
  • Decreased employee stress
  • Improved employee morale
  • Convenient access to care


  • Up to 30% savings per year
  • Insurance premiums, if unused, will be returned to you each year
  • Better benefits tool for recruiting and retaining talent


  • Cost increases of 7% every year are unsustainable
  • There is greater risk in doing nothing

“What’s dangerous
is not to evolve.”


“Better healthcare for everyone and less costs for the company. Combine this with excellent service, our move to HIPnation has been a huge win.”



with the HIPnation Advantage

Under a fully-insured plan, you pay a fixed premium to a carrier. With a self-funded plan, you take a portion of these same premiums, create a company fund, and use this fund to provide health benefits to your employees. This allows:

  • More flexibility to design a plan that meets the needs of your employees
  • Greater control over your cash flow
  • Transparency on your healthcare spending
  • All unspent dollars in the fund will stay with the company

What is a Stop Loss Policy?
The risk is capped at the premium, just like with a traditional fully-insurance plan. Stop loss ensures your company is safe in the event of a high-cost health event for one or more employees.

What Does Self-Funding Look Like?

Attack the Real Problem

Improper Utilization & High Prices

When patients unnecessarily access high-end specialty services, this is expensive. Let the Primary Care Physician manage as much as possible before specialty referrals are required. 60-80% of healthcare can be managed by a HIPnation Primary Care Physician.

Studies show that patients with access to a personal 24/7 Primary Care Physician experience:

  • 35% fewer hospitalizations
  • 65% fewer emergency department visits
  • 66% fewer specialist visits
  • 82% fewer surgeries

HIPnation True Cost Pricing
When your employees do need to engage outside of primary care, we have low, HIPnation-negotiated True Cost rates for specialty services, labs, and imaging. This means less spend for your employee and more total savings for the company.

How Your Employees Benefit

Direct Access

  • 24/7 access to their HIPnation Primary Care Physician via phone, secure text, or telemedicine
  • No primary care copays or deductibles
  • Same day or next day sick appointments

A Connected Experience

  • Extended visits
  • Prevention, wellness, physicals, nutrition, and dietary support
  • A true relationship, which leads to improved health outcomes, greater adherence to treatment plans, and an overall greater sense of wellbeing

Reduced Stress

  • Concierge service to assist navigating the healthcare system
  • A true advocate for best results

Less Cost

  • Your employees pay the low HIPnation-negotiated True Cost rate
  • Your employees can apply that low rate to their deductible (they cannot with traditional insurance)
Healthcare Service Traditional Insurance HIPnation True Cost
Mammogram $600 $200
CT Scan – abdomen & pelvis $1600 $335
Kidney Stone Surgery $5700 $2500
Cholesterol Panel $49 $6

We can design a plan that works for your desired pacing–a complete care plan with traditional copays and deductibles or a complete care plan with pay at the point of service True Cost rates. Our True Cost rates lower the spend from your company’s fund, thus increasing the likelihood of potential savings.

Healthcare Benefits That Are Truly Beneficial

Case Study
A study comparing 800 patients who had direct access to a personal Primary Care Physician vs. 1200 patients with traditional insurance showed the direct access patients had:

  • 38% less in medical expenses, yielding $1,408,089 in annual savings
  • 37% less in prescription costs, yielding $269,680 in annual savings
  • 46% less out-of-pocket costs, yielding $333,639 in annual savings
  • 75% reported a significant improvement in their overall health
Let us help you setup up your smarter healthcare solution today!

What can be Managed in Primary Care?

Preventive Health

  • Yearly exams
  • Unlimited exams
  • Blood pressure screening
  • Cholesterol screening
  • Colorectal screening
  • Depression screening
  • HIV screening
  • Diabetes screening
  • EKG
  • Urine analysis
  • Fecal occult blood test
  • Flu vaccine
  • Global view of all your medications
  • Pap smear

Chronic Conditions

  • Asthma
  • Arthritis
  • Diabetes
  • High blood pressure
  • High cholesterol
  • Hepatitis

Health & Wellness

  • Healthy habits
  • Weight management
  • Medical advice on diet, nutrition, lifestyle, exercise, stressors
  • Alcohol and drug use assessment and plans
  • Pregnancy test

Sickness & Care

  • Colds, flus, and viruses
  • Aches and pains
  • Skin tag and wart removal
  • STDs
  • Acute wound care and management
  • Ear irrigation for wax
  • Incision and drainage of superficial abscesses

Coordinating Care Outside of Primary Care

  • Assistance in making specialty visits
  • Assistance in finding lowest prescription medication prices

*Some services may vary slightly by physician