Joining Forces for Employee
Health Benefits at a BETTER COST

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Joining Forces for Employee  Health Benefits at a BETTER COST

About FLORIDA MANUFACTURERS HEALTH CONSORTIUM.

Florida Manufacturers Health Consortium (FMHC) is a health benefits purchasing program for employers, created for the purposes of:

JOINTLY NEGOTIATING BETTER INSURANCE PRICES AND TERMS;

GAINING LONG TERM STABILITY IN MANAGING EMPLOYEE BENEFITS.

FMHC presents an alternative self-funded employer centric market where employers can take back control, form their own purchasing pool, and succeed with self-funding. FMHC is available to all groups of employers with 5 or more enrolled employees.

The broad goal approach starts with addressing four goals of the employer:

LOW COST

STABLE RENEWALS

EMPLOYER-CENTRIC RISK MANAGEMENT STRATEGY

INSURANCE “WHEN YOU NEED IT”

Funding

FUNDING

Employers with less than 50 enrolled employees will make one level payment every month. Larger employers with 50 or more enrolled employees can choose their method of funding claims – either level funding or self-funding.

LEVEL SELF-FUNDING

FMHC offers true self-funding that is financed with level payments. If claims for the month exceed the maximum monthly funding, the claims administrator will recover from stop loss before the next payment is due and smooth monthly payments are achieved.

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