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APA Partners is Your Source for Employee Benefits Solutions

About APA Partners, Inc.
APA Partners is a third-party claims administration company experienced in managing all aspects of employee benefit design and delivery for employer groups of all sizes. We are dedicated to seeking innovative and flexible employee benefit solutions.

Controlling Costs
Finding affordable and accessible health care insurance is a challenge for employers. You, the employer, take control of your health care dollars by designing benefit plans to meet your needs. By combining self-insurance with stop-loss programs and efficient plan design and administration, APA Partners provides its clients cost-effective self-funding alternatives.

What is Self-funding?
In a self-insured or self-funded employee health benefit plan, the employer pays the direct cost of each claim as it is incurred rather than prepaying insurance premiums as with traditional insured programs.

Advantages of Self-funding
Moving from a prepaid health benefits plan to a pay as you go process can improve the companys cash flow. Self-funded plans can be more cost-effective than fully-insured plans because many expenses associated with fully-insured plans are eliminated and gains from favorable claims experience belong to the employer.
Self-funding also provides many other benefits:

• Flexibility of plan design
• Eliminating the insurance companys profit margin
• Enhanced administrative services and reduced administrative costs
• Freedom from state-mandated health care benefits offerings

Services

APA Partners offers comprehensive employee benefits administration services to self-funded employers, including:

Medical, dental, and vision benefits plans

Deductible reimbursement plans

Flexible spending accounts

Health reimbursement arrangements (HRAs)

COBRA administration

Prescription drug programs

Stop-loss administration and placement

Plan design consulting

Comprehensive plan analysis

Claims experience analysis and cost projections

Provider network analysis

Local, regional, and national network partnerships

Plan documentation and SPD assistance

Detailed management reports
Why APA Partners?
In business for nearly 20 years and led by an experienced and dedicated management staff, APA Partners sole business is third-party claims administration and benefit plan design. Partner with us for all your employee benefit needs.

Your Total Employee Benefits Solution
Let APA Partners design a total solution for you, beginning with a comprehensive analysis of the unique needs and existing benefit plans of your organization. APA Partners knowledgeable, responsive, and client-focused personnel are ready to serve you. APA Partners flexibility and commitment to quality make it the logical choice for your self-insured business!

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