Reach new heights
with your health plan

APA manages your self-funded health plan with expertise and
professionalism. We understand the complexities of
health plans and leverage our knowledge to maximize
your healthcare spend.

When you join us at the table, you’ll experience a new
level of cost savings, control and customer service.

We have a plan for you.

APA offers a range of healthcare solution options so you can choose the best fit for your unique employee population.
Your location, your industry, your size…these are just some of the factors that will drive the right choice for you.

Network Solutions

Network Solutions

We partner with national and regional networks to give members access to healthcare providers that meet their needs. This includes physicians, hospitals, labs and other ancillary services. 

Our high-performance network partners support the choice, quality and cost-effectiveness that your employees expect, no matter where they are in their healthcare journey. 

Partner Health

Specific providers within defined
geographic areas that support
plan efficiency and a quality
healthcare experience for members.

Affiliated Health

Choices include in-network and
out-of-network (OON) care that can
affect plan savings and member
out-of-pocket (OOP) responsibilities.

Open Access Programs

Nationwide, employers are amping up the performance of their self-funded health plans with Reference-Based Pricing (RBP).  While large insurance carriers typically discount healthcare charges that are oftentimes variable and inflated, RBP uses the actual cost of the service and the Medicare reimbursement amount as reference points to determine the provider’s reimbursement. With the addition of a fair profit margin as part of the calculation, this “bottom-up” reimbursement amount results in significant cost savings for the health plan.

With RBP, the absence of a Preferred Provider Organization (PPO) or network removes geographic and health system boundaries for members, giving them the freedom to choose where they obtain care.

 An RBP open access program can be enhanced even further by establishing direct contracts with select providers. APA works closely with RBP experts to design the most beneficial and cost-effective plan design for your self-funded solution.

Numbers from the past decade*
don’t add up for employees

0 %
Healthcare premiums have risen
0 %
Deductibles have risen
0 %
Wages have increased only

Save up to 30% on
healthcare costs with
RBP vs. PPOs.

More reasons to add RBP to
your self-funded health plan


Maximum cost savings compared to
PPO models; savings that can be
reinvested into your business


Direct contracts and negotiations
with providers nationwide for quality
access and cost savings


Reduced premiums and out-of-
pocket (OOP) costs for members


Care guidance, support and
advocacy to help members get
the most from their health plan benefits

Risk Management

Stop-Loss coverage is designed to cushion self-funded health plans from unanticipated healthcare costs like high-dollar claims and costly chronic conditions. APA’s strong relationships with risk management professionals and A-rated Stop-Loss insurance carriers guarantee competitive rates and further support health plan cost savings.

Along with the flexibility, savings opportunities and increased control of self-funding your health plan, there also is some added responsibility. APA addresses the financial risks of managing your healthcare funds and protects your assets with Stop-Loss insurance.

Confidence in your Stop-Loss Coverage

APA underwriting partners will analyze and evaluate your unique population data to identify your needs and optimize coverage. Along with experienced risk management experts and carriers, we’ll guide you in setting risk limits and protection policy terms that are appropriate for your plan.

Specific Stop-Loss


Coverage on large, catastrophic claims
from a single individual. The insurance
carrier reimburses the employer health
plan if the individual’s claims exceed
the deductible.

Aggregate Stop-Loss


Coverage on the frequency of claims across the entire population of the covered plan under a set deductible. The insurance carrier reimburses the employer health plan for claims that exceed a predetermined claim dollar amount. 

Maximize your self-funded
plan with APA.

Your helping hand in healthcare.

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