Reference Based Pricing
Core Value from Allstate Benefits is a self funded health insurance plan that can save your business up to 20% on your annual health insurance costs. Core Value has an option known as Reference Based Pricing.
This solution pays medical providers a specific percentage above the standard Medicare rate which means your premiums cost less than it would if you were on a standard PPO/HMO/EPO plan.
Also, your employees can visit any doctor or medical facility with no network restrictions. In years when employee claims are low you will receive a refund for a portion of your annual premiums. Approximately 60% of Core Value customers receive a refund of varying amounts annually.