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Reference Based Pricing 

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Affordable Healthcare Is Finally Here!







Reference Based Pricing 1MIN 40sec

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min 55sec

Program Highlights

Insurers have done little to control the escalating cost of health insurance. To offset losses in fully insured profits, these companies grossly inflate the fixed costs and then share in any potential claim savings. The result is an ongoing escalation of health plan expenses for the employer and employees, which forces employers to reduce premiums through increased deductibles and erosion of benefits. The higher deductibles put access to healthcare out of the reach of many. 

Are you tired of escalating costs and erosion of benefits? DK Benefits offers the right solution. We believe that it is time to stop the cycle of excess profits and escalating costs generated by large insurance companies. 

Through our Reference Based Pricing (RBP) Plan, we offer cost-effective level-funded health plans designed to make access to care accessible. Unlike fully insured plans, our Reference Based Pricing Plan operates as Federally qualified ERISA plans that eliminate premium bloating created by State Premium Taxes, State Mandated Benefits, ACA Minimum Loss Ratios, and cost-shifting associated with many Exchange Plans.

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How can this plan save you money?

Our program utilizes risk assessment and management tools to ensure the program is a good fit for the employer. These tools include:

  1. medical underwriting

  2. interactive clinical oversight and management for both medical and pharmacy benefits 

  3. reimbursement based on providers cost of care or an aggressive, national PPO network.

The results are reductions as much as 20% when compared to traditional PPO plans.


Frequently Asked Questions

What is the minimum and maximum group size for the program?

Some programs can qualify your business with as little as two enrolled employees.

What are the participation requirements?

The program requires a minimum of 50% of eligible FTEs. Several programs require no less than 5 enrolled. For groups with at least 25 enrolled employees, we can offer dual choice networks or RBP alongside a major carrier network!

How long does it take to get a quote?

While we try to move as quickly as possible, sometimes just a couple of days, please allow up to 7 business days to provide a comprehensive quote once you have provided all the required documentation. Delays providing information and data will result in slower proposal times.

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What does this plan offer?

• Multiple health plan options
• 4-tier composite rates
• Turnkey level-funded health plan structure
• Pooling risk of like-minded employers
• Accountable Care for both provider and      


• Pricing designed to remain level for 2-3 years

• Creation and management of    

  individual employer Benefit Trusts under IRC


• Risk Management and contracting / oversight  

  of all service providers

• Reinsurance management
• Regulatory compliance and financial filings

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  • ERISA level funded plan 

  • Standardized Plan Designs

  • Pooling to leverage cost and services

  • Pooled reinsurance coverage

  • Referenced Based Reimbursement of claims (no PPO network) 

  • Pharmacy Management targeting provider and patient engagement 

  • 24 Hour access to physicians (telephone/web)

  • Patient advocacy

  • Employee/Patient financial incentives

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