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  • Group health overview

    • Self-funded solutions

    How our Self-Funded Program can help employers save

    Get a quote for your business or Get a quote for your employer client

    With costs constantly on the rise, employers need to find new ways to help reduce their health care spending. That's where Nationwide can help.

    The Self-Funded Program through Nationwide is designed to help small to midsize business owners gain control and save on their health care costs. Below you'll find key features that can help save businesses money while still providing a high-quality benefit plan for employees.

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    Refunds

    In years when claims are lower than expected, a portion (or all, depending on the plan selection) of the difference between the group's anticipated and actual claims is credited back to the employer.1

    Telemedicine

    Recuro Health Virtual Care telemedicine services connect patients virtually to U.S. board-certified doctors and therapists. Virtual visits are often more affordable than in-office ones, which helps both employers and plan members save money.

    Recuro urgent care offers U.S. board-certified doctors and medical providers that are available 24/7 to diagnose, treat and prescribe medication (when medically necessary) for many minor illnesses and injuries such as colds, flu, sore throats or allergies, via phone or online video visits.

    Recuro behavioral care offers licensed therapists that can help with a wide range of mental and emotional health needs for adults and children ages 10 and older. Members receive ongoing support, on their schedule, from the comfort and privacy of their own home via phone or online video visits in as little as 48 hours.

    Wellness program

    The wellness program through Vitality® is available with most plan designs. With this unique offering, together with the Self-Funded Program, employees can get healthier while enhancing and protecting their lives. When plan members do healthy right, they can lower their health care expenses.

    Provider search tools

    Researching health care providers can help save on costs and empower patients to select the provider that best fits their needs. With the Self-Funded Program through Nationwide, members have multiple ways to search and explore provider options.

    • Provider search tool. Our reference-based pricing plan designs include a provider search resource. This cost and quality navigation tool helps members access quality health care at a fair price. With this easy-to-use plan feature, members can shop around for low-cost, high-quality providers.
    • Network search tools. In addition to our transparency tools, all of the networks available with our program have provider searches available for members. These can filter in-network providers by location, specialty and more.
    Want to learn more?
    Call a sales representative at 1-877-877-0245.
    Explore self-funded benefits

    Related topics & resources

    What is level funding?
    What is stop loss insurance?
    What is reference-based pricing?
    4 reasons to pick our Self-Funded Program
    More self-funded resources

    Plan and product availability varies by state.

    [1] Refunds are subject to any Terminal Liability Coverage fee.

    The Self-Funded Program through Nationwide provides tools for employers owning small to midsize businesses to establish a self-funded health benefit plan for their employees. The benefit plan is established by the employer and is not an insurance product. Stop loss insurance policies are underwritten or reinsured by Nationwide Life and Benefits Insurance Company – see nationwide.com/stoplossdisclaimer for details. Product availability and specific provisions may vary by state.