Employer Solutions

Medical Cost Sharing –

For Unexpected Medical Bills  

Employers are in a competition for the best employees.  And increasing wages just won’t cut it anymore. Employers need affordable employee health benefits that don’t break the bank.  

Traditional group health insurance has lost its appeal.  It costs you an arm and a leg if you offer it.  Your employees are probably frustrated and worried about health benefits if you don’t.  So the best an employer can do is crank up the deductibles, dilute the benefits, or go without.   Employees get stuck with a high deductible and very little healthcare.

In recent years medical cost sharing has shed its faith-based roots, to emerge as a remarkably affordable alternative to traditional health insurance.   And, while medical cost sharing resembles group health insurance in many respects, the differences are what most employees find most appealing.  

Employers pay in a regular monthly sharing amount on behalf of the employee, similar to an insurance premium, but generally 30-60% less. When an employee member has a large medical episode, they first pay an out of pocket amount. Much like an insurance deductible, but typically much less.  After that, the balance of the medical bills are paid with community funds.    

It’s easy to understand, simple to use and employees love it.

Scoop helps employers develop a custom employee benefits strategy that includes affordable medical cost sharing as a choice for employees.  We work with both Sedera Health and Zion Health to insure employers can offer the best affordable alternatives to expensive group health insurance.