Access to our expansive and proprietary network of integrated providers.
Cost containment expertise and strategies from over 30 years of experience.
Our philosophy and culture are built around delivering superior service.
It is difficult to determine which insurance option is best for your organization.
Here are the primary differences between fully-funded and self-funded insurance plans.
Fully-funded
Employer pays monthly premiums to insurance company.
Self-funded
Employer doesn’t pay premiums; pays directly for medical costs.
Fully-funded
Insurance company assumes risk of medical claims.
Self-funded
Employer assumes risk of medical claims.
Fully-funded
Health plan design is limited by state mandates.
Self-funded
Employer has more control and freedom in plan design.
Employer control of plan benefit design.
Strategic reporting and access to data.
Ability for uniform benefitsacross multiple states.
We offer peace of mind, knowing serious claims will not threaten the financial integrity of your plan or organization. No company can easily endure circumstances of catastrophic illness, so we help protect against such losses with stop-loss coverage that matches your risk tolerance. We work with many stop-loss carriers and managing general underwriters (MGUs) to ensure not only good rates but a partner who can be trusted when coverage is needed.
The Dean ASO Network includes our integrated SSM Health System which is known for its high quality of care and access to hundreds of specialists. We partner with you to evaluate access, discounts and provider practices when considering network to match your needs with the right network. Dean Health Plan is flexible, so if your business has sites outside of our service area we also offer most PPO networks.
Find a doctor in the Dean ASO network
Dean integrates physician leadership at the health plan, our hospitals and clinics to develop cost containment plans. We provide Utilization Management, Case Management, trend analysis and employer based wellness offerings to help each client establish a cost-effective plan. Our top priority is to help members develop a self-care regimen when faced with a chronic disease such as heart failure or diabetes.
The Utilization Management (UM) team uses pre-admission certification, prior authorization and concurrent reviews to assess the appropriateness of medical services. The review of services includes skilled nursing and rehabilitation care, home health care services, hospice care, behavioral health outpatient care and more.
Dean provides members with a registered nurse who serves as a resource during a time where health care may be intense or confusing. Care managers facilitate communication among the health care team to establish the best care plan. If your employees have chronic conditions or complex health needs, we have resources to help them.
Learn more about complex case management
Interested in discussing the differences between self-funded and fully-insured plans and how we can help you meet your goals?
