Join
Northwell +
Blue Cross
Blue Shield
Join the 2-Tier plan any time of
year -no waiting period
A few items to get started
Recent Carrier Invoice
Plan Renewal Notice
Employee Census
Employers anywhere in the
US can join the 2-tier plan
- 1- 1,000’s of employees can join through a Memberly multi employer group.
- Employers starting with 30 employees can establish a direct 2-tier plan through Memberly.
Just JOIN
STARTING AT ONE EMPLOYEE
Set up your
group DIRECT
Let’s Compare Plans
Price and Benefits Analysis
We’ll review your current health plan to identify potential savings and enhanced benefits.
Northwell - Anthem Start-up Process
Cost Analysys
We’ll prepare a cost analysis to identify savings and improvements in benefits.
Provide a current insurance carrier invoice and last renewal notice for the review.
Rate Stability
Since the multi employer plan has set rates for 2025, employers can rely on stable rates for the remainder of the year.
No and low deductible plan options offset the financial impact of changing plans off cycle.
Getting Started
Employers provide a census with employee and dependent name, DOB, zip code, and gender.
Employees complete an individual application, health questionnaire, and HIPAA release.
Potential Savings up to
50%
less than comparable plans
without reducing benefits
3 Plans to choose from or design your own
Ultra Plan
Northwell Direct
Ind/Fam deductible:
$0/$0
Blue Cross Blue Shield
Ind/Fam deductible:
$1,000/$2,000
3K Plan
Northwell Direct
Ind/Fam deductible:
$2,000/$4,000
Blue Cross Blue Shield
Ind/Fam deductible:
$3,000/$6,000
6K Plan
Northwell Direct
Ind/Fam deductible:
$5,000/$10,000
Blue Cross Blue Shield
Ind/Fam deductible:
$6,000/$12,000
Health Plans Managed by
2-Tier Plan
Self-Funded Plans
Fully Insured Plans
Our Focus
Plan Design
From strategy to implementation we create health plans built to optimize synergies of networks, TPAs, PBMs, stop-loss, and rebates to achieve the best plan at the lowest cost.
Transparency
Transparency come in many forms. At Memberly, we track every dollar and the flow of funds within the plan. This includes funding of claims and tracking of surplus to ensure every dollar goes to the right place.
Analysis
No two health plans are alike—each has its own unique DNA, including geography, networks, TPAs, brokers, vendors, claims experience, and stop-loss. We leverage proprietary strategies to identify the perfect combination for every client.
Stop-Loss
For employers starting a self-funded 2-tier plan we procure the stop-loss across a network of underwriters and MGUS. Part of the process includes proven strategies that lower plan cost by as much as 30%.
Programs
Many of our clients rely on us because we built their programs from the ground up. This includes customized solutions for franchise chains, staffing agencies, unions, mobile apps, and common ownership groups.
National Presence
Memberly is appointed with all major carriers in the US including Aetna, Cigna, United Healthcare, and Anthem. as well as the largest TPAs in the self-funded industry. We offer self-funded, fully insured, MEC, and RBP plans.