Explore how Mint Health Plans is bringing a fresh approach to healthcare.
Mint’s Complete Max product gives the employer the benefits of partial self-funding while also providing funding security. Maximum annual claims costs are predetermined, and the employer pays 1/12 of this cost each month for the 12 months of the plan year. Once all claims have been paid for the plan year, a share of the unused claim dollars remains in the employer’s claim funding account.
If at any time the money necessary to pay smaller claims is not in the claim fund (this is common during the early months of a plan year), the insurer will advance this money to the claim fund to pay these claims. Monthly aggregate accommodation is included in all Complete Max quotes, for no additional fee
No need to shop different stop loss. With this product, we shop many stop loss options to obtain the most competitive rates available for our clients.
With Mint’s Complete Max product, we have integrated PBM solutions that offer significant cost saving potential. Through our PBM partners, we focus on targeting high cost specialty medications and find creative ways to remove them off the health plan using the following strategies:
Under a fully insured plan, the monthly premium costs are locked in. Even if a group is healthy and has no claims, the savings are kept by the insurance company. With Mint’s Complete Max product, and use of Stop Loss insurance, the employer pays one monthly amount that is the maximum cost. After all claims for the policy year are paid, a share of the unused claim dollars remains in the employer’s claim funding account.
With this product, employers have the freedom to choose their plan benefit design and implement cost-saving features.
With this product, employers have the access to Intermountain Health Hospitals and Clinics throughout Utah, and a nationwide network through First Health. (other nationwide network options are available)
View Network MapGet a Quote ->Mint Health Plans has been a trusted partner in health, dental, and vision administrative services for over 25 years. With a commitment to delivering quality and efficiency, we offer comprehensive solutions designed to meet the diverse needs of our clients. Our experience and dedication make Mint Health Plans a dependable choice for managing healthcare services, empowering individuals and organizations to focus on what matters most—health and well-being.
At Mint Health Plans, we understand that every organization has unique requirements when it comes to healthcare coverage. That's why we offer custom plan design services, allowing you to create tailored health, dental, and vision plans that align with your goals and budget. Our team of experts collaborates closely with you to assess your specific needs, providing flexible options that range from comprehensive coverage to targeted solutions.
Whether you're looking to enhance employee satisfaction, control costs, or meet industry-specific demands, our custom plans give you the freedom to design a solution that’s just right for your group. Mint Health Plans is equipped to support you with personalized, responsive service at every step of the way.
Mint Health Plans is dedicated to providing innovative, cost-effective solutions for today’s healthcare needs. Our custom network solutions allow organizations to build provider networks tailored specifically to their members, ensuring both high-quality care and budget control. Through our direct contract solutions with hospital systems, we streamline access to essential services, fostering strong partnerships that benefit members and reduce administrative complexity.
As experts in reference-based pricing, we help clients navigate and optimize costs by setting fair, transparent pricing standards, bringing clarity and predictability to healthcare expenses. With our extensive experience, Mint Health Plans is uniquely equipped to support organizations in designing flexible, impactful plans that align with their financial and healthcare objectives.
At Mint Health Plans, we believe in empowering clients with choices and adaptability. Our solutions are designed to integrate seamlessly with any point solution, giving you the freedom to incorporate specialized tools that enhance your healthcare offerings. We work with all pharmacy benefit managers (PBMs) and stop-loss carriers, ensuring that your plan structure aligns perfectly with your organization’s unique needs and goals.
Whether you’re looking to add new features or work with preferred vendors, Mint Health Plans’ flexible approach means you’re never limited by our infrastructure. Our expertise and commitment to collaboration make it easy to build a healthcare solution that meets your requirements without compromise.
When it comes to administering health, dental, and vision benefits, organizations have the option to work with an insurance carrier or partner with a Third-Party Administrator (TPA) like Mint Health Plans. While traditional insurance carriers offer standardized plans, Mint Health Plans provides tailored, cost-effective solutions with flexibility and control that can significantly enhance the benefits experience.
1. Custom Plan Design and Flexibility
With Mint Health Plans, you’re not limited to predefined packages. We specialize in custom plan design, allowing you to tailor health, dental, and vision plans that align with your workforce’s unique needs. From building custom provider networks to integrating specific point solutions and working directly with hospital systems, Mint Health Plans delivers a personalized approach. In contrast, an insurance carrier may have limited options for customization, often requiring employers to adapt to standardized offerings.
2. Cost Savings and Transparent Pricing
Mint Health Plans offers cost-effective solutions through reference-based pricing, which helps set fair, transparent pricing standards that avoid the high markups often associated with traditional insurance plans. Additionally, our direct contracting solutions with hospital systems help keep costs down. In contrast, insurance carriers often work with network markups that may increase premiums, potentially impacting the overall cost for both employers and employees.
3. Broad Integration and Vendor Partnerships
Unlike insurance carriers, Mint Health Plans provides the flexibility to integrate with any point solution, pharmacy benefit manager (PBM), and stop-loss carrier of your choice. This flexibility means you’re not tied to specific vendors and can select partners that best align with your organization’s goals. Insurance carriers typically have fixed PBMs and vendor partnerships, offering less control over these critical components of your plan.
4. Enhanced Member Experience
Mint Health Plans prioritizes an efficient, member-centered experience, with easy access to claims support, benefit information, and responsive customer service. By focusing solely on administration, we ensure members receive high-quality service without the complexity of managing insurance risk. Insurance carriers, on the other hand, often handle claims, underwriting, and administrative functions, which can lead to slower response times and a less personalized experience.
5. Scalability and Responsiveness
As your organization grows or your needs evolve, Mint Health Plans can quickly adapt, offering scalable solutions without requiring major plan overhauls. Insurance carriers may be slower to adapt due to their rigid plan structures and operational constraints, making it challenging to adjust plans mid-cycle or accommodate unique coverage needs.
6. Compliance and Regulatory Support
Staying compliant is critical, and Mint Health Plans keeps your benefits administration aligned with the latest regulations, helping mitigate risks associated with non-compliance. This dedicated compliance focus is a key advantage over insurance carriers, which may prioritize underwriting and claims management over administrative compliance.
7. Strategic Cost Management
Mint Health Plans supports your financial objectives through tools like reference-based pricing and direct contracts with hospital systems, which help manage and predict healthcare expenses. In contrast, an insurance carrier's model may not always provide the same level of transparency and control over costs, potentially leading to higher premium increases and less predictability over time.