TPAs vs. ASOs: Who comes out on top?

TPAs vs. ASOsWho comes out on top?

Shift Towards Self-funding

The advantages of self-funding are becoming better known, resulting in more companies exploring the method as a cost-saving option for their populations.  A decision to move to self-funding comes with options for administrative partners. 

© Healthgram, Inc. 2015

© Healthgram, Inc. 2015

Administrative Services Only (ASO)

A service offered by a traditional insurance carrier that provides administrative support to a company that is looking to migrate a to self-funded insurance option.

Third-party Administrator (TPA)

A self-funded organization hires an outside company to manage their health insurance including processing claims, overseeing wellness programs and performing administrative services.

1. Aligned Interests

TPAs are not typically owned by larger parties like hospital systems or insurance carriers, that may have other motives in mind or corporate goals to meet. © Healthgram, Inc. 2015

TPAs can create a plan with your best interest in mind- not theirs.

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2. Customized Plan Design

TPAs have the advantage when it comes to developing a customized plan to maximize savings and minimize risks. 

© Healthgram, Inc. 2015

2. Customized Plan Design

With the employer’s best interests in mind, they can take a clear and unobstructed view at a company’s current risk level and build a strategic plan from the ground up to address unique needs and save money.

© Healthgram, Inc. 2015

3. Flexibility

Instead of being limited by a carrier’s providers and networks, TPAs build partnerships that benefit each group’s unique geographic, quality and cost preferences. 

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We believe that the best care is data driven. 

© Healthgram, Inc. 2015

4. Transparency

Typically, ASOs are not able to gather and analyze data that is available to TPAs. This hinders their ability to implement results-driven wellness programs, recognize risks and reach out to members that need it most.   © Healthgram, Inc. 2015

4. Transparency

An integrated solution between outreach initiatives, claims, biometric data and encounter activity is essential to a comprehensive solution that simplifies processes and delivers savings.

© Healthgram, Inc. 2015

TPAs have the same mission as their clients'—to save money and improve employee health.

© Healthgram, Inc. 2015

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