The Vault Health Plan saves you money by paying the claims of your employees with your own money instead of insurance premiums. Money left in your account is your savings and not insurance company profits. You're protected with stop-loss insurance that provides coverage for large claims and caps your maximum exposure.

1. Stop-loss insurance protects you when an employee has a serious claim or more employees have claims during the year than you can afford to pay.
2. Each month you make a payment that covers the fixed costs of your plan: Stop-loss insurance and the administrative and sales fees.
3. Level Funding: You pay your fixed costs then fund your claim fund monthly with 1/12 of your maximum annual cost. You never have to pay more than this maximum amount. You are never subject to a cash call if claims go past your current maximum contribution.
4. After all claims have been paid for the plan year(after the nine-month run-out period), any unused dollars in your claim fund are yours to use as you want - to be refunded or used to lower costs for the next year.