Brokers, Leaders, and Advisors
Smart Plans
We offer eight Aware Open-Access Network plans, eight, High-Value Network plans, and preventative prescriptions. Visit the Resources page to access all plan information and to find other essential materials.
Our Collective Advantage
We recognize that you have many choices for healthcare insurance. Our plans have a unique advantage through minimal rate increases (rate caps) governed by member-owners with full transparency.
We value collaboration with brokers, leaders, advisors, the Wellness Task Force and our Labor Management Committee from evaluation to implementation and ongoing management.
Unlike other commercial and non-profit insurance carriers, the Better Health Collective is regulated, member-owned, and focused on long-term stability. We also calculate drug rebate dollars per employee per month and return them directly to our members, ensuring greater value. In addition, the Collective has more discipline around standards for incoming members.
The Collective’s other key differences include governance, claims management, and oversight. By pooling all of these groups together, we secure better rates, demonstrating that we are better together by sharing this risk.
“They’ve really been a good match for us, and it has helped lower our health insurance costs.”
- Mindy, HR Representative
However, keeping plans affordable while providing essential coverage is becoming increasingly difficult. As healthcare costs increase, each organization is at risk for hefty claims experiences in any given year. This puts pressure on annual renewal rates, deductibles, and coverages.
Simplifying Plan Administration
In addition to working with carriers and plan administrators, the Better Health Collective helps make complex benefits clear to employees, open enrollment support or compliance related to ACA, state and federal mandates. While the Collective is not responsible for the competitive bidding process, we help to alleviate the administrative burden that often falls on time-stressed HR managers, brokers, and consultants, allowing them to focus on their core mission of serving public needs. A key advantage we offer is delivering renewals in August, a full month ahead of most competitors who deliver in September. This timeliness is highly valued, as it gives organizations more time to prepare for the upcoming year.
“Seeing the behind the scenes, I know that they were doing everything they could to keep costs down and to promote people making better choices.”
- Jeremy, teacher
As a member-owner of the Collective, your benefits extend beyond stability and wellness engagement. The Collective provides ongoing guidance to leaders, advisors, and brokers, supporting each other in talent retention, claims volatility, and wellness best practices. The Better Health Collective wants to raise awareness among members and employees of member-owner organizations, so they understand and value their status.
Looking for additional employee benefit programs? Explore a variety of contracts available through Sourcewell, the Collective’s sponsoring association.