INCENTA :: Unbundling Benefits

Your benefits

Contract terms

Your employee incentives

Protection

Benefit program cornerstone: Protection
When you own the protection:
	You have choice, ownership and control of unbundled coverage.
	Employers make decisions about deductible levels and co-insurance
	contributions, and have the choice of self-funded, partially self-funded, and fully insured plans.

When an insurance company owns them:
	Insurer protection provides or enhances reinsurance treaties, state regulation
	and mandates, national health care reform initiatives, HMO managed care chaos and risk pools.