SafeGuard.

SafeGuard.®

SafeGuard is self-funded coverage designed to suit the needs of the small to mid-size employer– coverage that is easy to understand and explain, feels like insured coverage, and doesn’t require ongoing administration from the employer’s staff. With self-funded coverage, an administrator pays for eligible employee medical claims from an employer’s fund.

Advantages of SafeGuard include:

Simple Selections, Solid Plans

The selection process is simple: The employer selects either a traditional plan or high deductible health plan (HDHP), then a deductible, member-share percentage and prescription coverage, and that’s it. The remaining plan details are in place and mirror coverages which have been enjoyed by thousands of USHL groups for more than a decade.

SafeGuard Coverage is Comparable to ACA Plans

Our self-funded plans are ERISA compliant and fully compatible with ACA requirements, delivering the essential benefits employers need while containing costs.

Compare SafeGuard’s benefits with ACA plans

No Fluctuation in Plan Cost

Being able to manage your budget is important, so we create a monthly payment structure and set the rate at the time of underwriting. This lets you know exactly what to expect each monthly – with the only changes based on your enrollment. Your set monthly fee is comprised of an administrative fee, excess loss insurance premium and a pre-funded claims account payment.

Protection Against Unexpected Claims

If you have a claim that exceeds funds available in the prefunded claims account, the balance is paid from either an aggregate advancement or an excess loss insurance payment, or both. You won’t owe more than the monthly payment for covered claims.

No Administrative Burden

A staff of more than 170 professionals stand behind the SafeGuard plans, providing all required administrative services– from claims adjudication and provider payments, to network coordination, claims dispute resolution and member communication.

A Chance to Save Money

SafeGuard offers employers the ability to regain control of their healthcare benefit costs. If, at the time of settlement, the pre-funded claims account balance has not been spent on group claims and the IBNR estimate, USHL returns to the employer any surplus funds remaining.

Explore the Advantages of Regional SafeGuard Partnership Products

Depending on your group’s location, you may be able to benefit from all the standard features of SafeGuard coverage while also gaining coordinated care and streamlined costs.

Chicagoland Groups

EXPLORE THE ADVANTAGES OF SAFEGUARD AHCN

SafeGuard

DOWNLOAD AND VIEW THE SAFEGUARD BROCHURE

Coverage Options

SafeGuard® Highlights

  • Available to groups with five – 99 enrolling employees.

  • 100%, 80% or 60% traditional plans with deductibles ranging from $500 to $3500.

  • Four-tier prescription drug coverage with copays starting at $15 accompanies traditional plans.
  • 100% or 80% high-deductible health plans (HDHPs) with $1500/$3000 and $2800/$5600 deductible options—All HDHPs feature embedded Rx coverage.
  • Underwritten rates.
  • Proven provider networks are offered with high levels of participation in their respective areas and significant discounts– including Cofinity, HAP, HFN, FirstHealth, Cigna, and PHCS, among others.
  • Out-of-state members are assigned a provider network yielding high provider participation and discounts.
  • USHL insured dental coverage can accompany SafeGuard.
  • Plans feature an embedded deductible and coinsurance— an individual within a multiple contract must satisfy only the individual deductible and coinsurance level (does not apply to $1500 deductible HDHPs).
  • Dual plans available with 5+ members (minimum of 1 member enrolled on each plan offered).
  • A staff of more than 170 professionals in claims, billing and client services stand behind USHL plans, and provide unparalleled levels of service to members and groups.
  • Online resources assist members 24/7 with needs including Explanation of Benefits (EOB) copies, provider lookups and coverage questions.

This information summary is provided for marketing purposes only and does not represent a guarantee of coverage. For a complete list of policy provisions and exclusions, please refer to the USHL Medical Policy or Prescription Drug Rider.

SafeGuard logo

Options for Employers in
Indiana, Michigan and Ohio

Benefit Guide for
PPO Plans Download
Get the in depth view Download
Plan NameHighlightsDeductiblesCopays
PPO Pinnacle
  • Traditional PPO Plan with 4 options that give you flexibility around deductible amounts.
  • No Coinsurance necessary with these plan options.
  • Enjoy 100% coverage with in-network providers, and 70% coverage out-of-network.
  • Prescription Drug coverage: select coverage from 6 package options
Range from $1,000 to $5,000 for individuals and $2,000 to $10,000 for family plans
  • $20 for Primary Care Office Visits
  • $40 for Specialist Office Visits
PPO Peak
  • Lower cost PPO Plan with 5 options that give you flexibility around deductible amounts.
  • Includes coinsurance, with maximums ranging from $1,350 to $2,500 for individuals and $2,700 to $5,000 for family plans.
  • Features 80% coverage with in-network providers, and 50% coverage out-of-network.
  • Prescription Drug coverage: select coverage from 6 package options
Range from $500 to $5,000 for individuals and $1,000 to $10,000 for family plans
  • $30 for Primary Care Office Visits
  • $60 for Specialist Office Visits
PPO Zenith
  • Lowest cost PPO Plan with 2 options that give you flexibility around deductible amounts.
  • Includes coinsurance, with maximums ranging from $1,350 to $2,500 for individuals and $2,700 to $5,000 for family plans.
  • Features 60% coverage with in-network providers, and 50% coverage out-of-network.
  • Prescription Drug coverage: select coverage from 6 package options
Range from $2,000 to $5,000 for individuals and $4,000 to $10,000 for family plans
  • $20 for Primary Care Office Visits
  • $40 for Specialist Office Visits
PPO HDHP Pinnacle
  • High Deductible Health Plan with 3 options that give you flexibility around deductible amounts.
  • No Coinsurance necessary with these plan options.
  • Enjoy 100% coverage with in-network providers, and 70% coverage out-of-network.
  • Prescription Drug coverage: embedded into plans
Range from $1,500 to $5,000 for individuals and $3,000 to $10,000 for family plans
  • No copays, member covers office visit costs until the deductible is met and then after the deductible is met office visits are covered at 100% for in-network providers and 70% for out-of-network providers.
PPO HDHP Peak
  • High Deductible Health Plan with 4 options that give you flexibility around deductible amounts.
  • Includes coinsurance, with maximums ranging from $1,350 to $2,500 for individuals and $2,700 to $5,000 for family plans.
  • Features 80% coverage with in-network providers, and 50% coverage out-of-network.
  • Prescription Drug coverage: embedded into plans
Range from $1,500 to $5,000 for individuals and $3,000 to $10,000 for family plans
  • Office visits covered at 80% after deductible is met.

Connect with an Agent

Getting coverage that’s right for you and your budget shouldn’t be stressful. Get the guidance you need to create a great plan for you and your team by connecting with an Agent today. We are ready to work for you.

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