{"id":33,"date":"2026-05-05T13:41:33","date_gmt":"2026-05-05T13:41:33","guid":{"rendered":"http:\/\/offplan.network\/?page_id=33"},"modified":"2026-08-31T15:31:52","modified_gmt":"2026-08-31T19:31:52","slug":"advisors","status":"publish","type":"page","link":"http:\/\/offplancare.com\/es\/business\/advisors\/","title":{"rendered":"Asesores"},"content":{"rendered":"<section class=\"hero offplan-hero offplan-hero-right\" style=\"background-image:url(http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/bg-hero-advisors.jpg);--hero-pos-x:10%;--hero-pos-y:50%\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-6 offset-lg-6\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-3\">Para Asesores de beneficios<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h1 class=\"display-5 fw-medium text-balance mb-4\">Healthcare Without Insurance for the Care People Actually Use.<\/h1>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"hero-subhead lead mb-0\"><p>OffPlan is a different model for employer healthcare. Direct healthcare for the 80% of care employees actually use. Insurance only for major events.<\/p>\n<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section class=\"py-lg-6\"><div class=\"container text-center\">\n\n\t\t\t<h2 class=\"h3 fw-bold col-lg-10 mx-auto offplan-quick-select-statement text-balance\">Employers reduce total healthcare spend. Employees gain real access to care. Advisors bring clients something meaningfully different from traditional renewal cycles.<\/h2>\n\t\n\t\t\t<p class=\"text-secondary mb-4 reveal reveal-up\">\u00bfC\u00f3mo podemos ayudarle?<\/p>\n\t\n\t\t\t<div class=\"row g-3 justify-content-center reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-auto\"><a href=\"#\" class=\"btn btn-lg w-100 btn-outline-navy\" data-bs-toggle=\"modal\" data-bs-target=\"#briefModal\">Descargue la gu\u00eda estrat\u00e9gica para asesores<\/a><\/div>\n\t\t\t\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<div id=\"the-truth\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-navy-gradient text-white\"><div class=\"container\">\n\n\t<div class=\"row g-4 g-lg-5 align-items-center\">\n\t\t<div class=\"col-12 col-lg-5 reveal reveal-left text-center text-md-start\">\n\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-2 pe-lg-4\">The Truth<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-white mb-4 text-balance pe-lg-4\">Employers are paying more every year for less usable care.<\/h2>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"lead fw-bold mb-0 pe-lg-4\">And you are the one having to explain it.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t<div class=\"col-12 col-lg-7 reveal reveal-right orange-separator\">\n\t\t\t\t\t\t\t<div class=\"ps-lg-4\">\t\t\t\t\t<div class=\"two-col-header-body lead\"><p>Every renewal cycle looks the same. Premiums up. Deductibles up. Employee contributions up. Employees delay care because they cannot afford to use the plan their employer chose. Carriers offer no transparency on where the money is actually going. And you are the one in the room when the CFO asks why this is happening again.<\/p>\n<ul>\n<li>Premiums rise every renewal cycle<\/li>\n<li>Deductibles climb to keep premiums in check<\/li>\n<li>Employees delay care that the plan supposedly covers<\/li>\n<li>Employers still lack transparency on what they are paying for<\/li>\n<li>You are forced into another cost-shifting conversation instead of a strategic one<\/li>\n<\/ul>\n<p><strong>OffPlan approaches employer healthcare differently. The conversation starts somewhere else.<\/strong><\/p>\n<\/div>\n\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t<\/div>\n\n\t\n<\/div>\n<\/section>\n\n<div id=\"what-offplan-is\" class=\"anchor\"><\/div><section class=\"py-lg-6\"><div class=\"container\">\n\n\t\t\t<div class=\"text-center mb-5 reveal reveal-up\">\n\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">What OffPlan Is<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance mb-3\">OffPlan delivers everyday healthcare directly. Insurance handles the rest.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-10 mx-auto mb-0 text-balance\">A different category, not a different version of the same thing.<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t<div class=\"row g-5 align-items-start reveal reveal-up\">\n\t\t\t<div class=\"col-12 col-lg-6\"><div class=\"offplan-paired-body offplan-paired-airy offplan-paired-plain\"><p>OffPlan is a membership-based direct care platform built on physician-owned practices. Primary care, chronic care management, prevention, specialist coordination, and transparent pharmacy access are delivered directly to your client&#8217;s employees through a flat monthly membership.<\/p>\n<p>None of it runs through the claims system.<\/p>\n<\/div><\/div><div class=\"col-12 col-lg-6\"><div class=\"offplan-paired-body offplan-paired-airy offplan-paired-plain\"><p><strong>Large and unexpected medical events stay protected.<\/strong><br \/>Hospitalizations, major surgery, and serious medical events are covered through licensed insurance partners, placed independently from the OffPlan care layer.<\/p>\n<p>The result: routine healthcare leaves the claims cycle entirely. Insurance does what insurance was actually built for.<\/p>\n<\/div><\/div>\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<div id=\"why-advisors-are-paying\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container\">\n\n\t\t\t<div class=\"text-center mb-5 reveal reveal-up\">\n\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">Why Advisors Are Paying Attention<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance mb-3\">A new strategic conversation, not another vendor in the stack.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-10 mx-auto mb-0 text-balance\">OffPlan does not compete with you for the client relationship. It changes what you can put on the table when the relationship is up for evaluation.<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t<div class=\"offplan-span-grid col-lg-8 mx-auto reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-orange\">Helps Employers Control Healthcare Trend<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p>OffPlan reduces how often employers hit the traditional claims system. Less of healthcare flows through the cycle that drives premium increases year after year.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-navy-gradient offplan-span-tall p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-orange\">Complements Self-Funded, Level-Funded, and HDHP Strategies<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p>OffPlan works alongside protection against large and unexpected medical expenses and modern employer funding models. Self-funded, level-funded, and fully insured each have a different starting point. The lowest-friction entry is an HDHP plus OffPlan: the employer keeps their carrier relationship intact, the HSA stays eligible, and employees get same-day physician access without burning HDHP deductible dollars on routine care.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-orange\">Opens a New Conversation Beyond Renewal Math<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p>Bring clients a structural alternative instead of another deductible increase. Make the renewal a strategic conversation, not a cost-shifting exercise.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-orange\">Supports Transparent Healthcare Purchasing<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p>Pass-through pharmacy pricing. Direct care relationships. Curated cash-pay specialty access. Reduced administrative waste at every layer of the stack.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-orange\">Built For Multi-Year Strategy<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p>Traditional plans inflate at 7 to 10 percent annually. OffPlan core membership pricing is built on a fixed monthly fee. The savings story does not just hold. It widens every year.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-navy-gradient offplan-span-wide p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-orange\">Creates a Stronger Employee Experience<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p>Same-day or next-day physician access. Longer visits. No primary care deductibles. The care model executives pay for, made standard for everyone.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<div id=\"the-engine\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-navy-gradient text-white\"><div class=\"container\">\n\n\t\t<div class=\"text-center\">\n\t\t\t\t\t<p class=\"section-eyebrow text-white mb-2 reveal reveal-up\">The Engine<\/p>\n\t\t\n\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-white text-balance reveal reveal-up mb-3\">Reclassify<sup>&trade;<\/sup>.<\/h2>\n\t\t\n\t\t\t\t\t<p class=\"lead mb-5 reveal reveal-up\">The claims analysis tool that powers the OffPlan model.<\/p>\n\t\t\t\t\t<div class=\"offplan-icon-grid-body col-lg-10 mx-auto text-balance reveal reveal-up\"><p>Reclassify<sup>&trade;<\/sup> analyzes your client&#8217;s historical healthcare spending and models how much of that spend moves out of the traditional claims system under an OffPlan care structure.<\/p>\n<p><strong>The goal is not to eliminate risk. The goal is to reduce how often employers hit it.<\/strong><\/p>\n<p>For you, this is the diagnostic that turns the renewal conversation from &#8220;what carrier are we shopping&#8221; into &#8220;what is this group actually paying for, and what should they be paying for instead.&#8221; That is a conversation no carrier can have with your client. You can.<\/p>\n<\/div>\n\t\t\t<\/div>\n\t\n\t\t\t<div class=\"row g-4 reveal-stagger text-center offplan-icon-grid-linked offplan-icon-grid-linked-3 pt-5\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-6 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-icon-badge offplan-icon-badge-bare\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-reclassify-step-1.svg\" alt=\"\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"fw-bold text-uppercase mb-0\">Step One<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-white text-balance offplan-icon-title\">Total spend, mapped<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0 px-0 px-lg-4 text-balance\">Premiums, claims, stop-loss, admin, network access, PBM, broker fees. Everything the employer is paying today, named and accounted for.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-6 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-icon-badge offplan-icon-badge-bare\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-reclassify-step-2.svg\" alt=\"\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"fw-bold text-uppercase mb-0\">Step Two<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-white text-balance offplan-icon-title\">Reclassified out<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0 px-0 px-lg-4 text-balance\">What moves out of the claims system entirely. What gets repriced through curated cash-pay. What absorbs into membership.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-6 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-icon-badge offplan-icon-badge-bare\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-reclassify-step-3.svg\" alt=\"\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"fw-bold text-uppercase mb-0\">Step Three<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-white text-balance offplan-icon-title\">Residual that remains<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0 px-0 px-lg-4 text-balance\">The unanticipated events that genuinely belong in insurance. Smaller. Better data. Better stop-loss pricing at renewal.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t<div class=\"offplan-section-note text-white text-center mt-5 reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t<p>Reclassify<sup>&trade;<\/sup> powers the OffPlan model. It is built and operated by OffPlan.<\/p>\n\t\t<\/div>\n\t\n\t\n<\/div>\n<\/section>\n\n<div id=\"beyond-solo-dpc\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container\">\n\t<div class=\"row g-5 align-items-start\">\n\n\t\t\t\t\t<div class=\"col-12 col-lg-5 reveal reveal-left\">\n\t\t\t\t<p class=\"section-eyebrow mb-2 reveal reveal-up\">Beyond Solo DPC<\/p><h2 class=\"fs-1 fw-bold text-op-navy text-balance mb-4 reveal reveal-up\">This is not the DPC conversation you have had before.<\/h2><p class=\"lead mb-0 reveal reveal-up\">Most advisors have looked at DPC for their clients and concluded it solves part of the problem and not the whole problem. They are right.<\/p>\n\t\t\t\t\t\t\t\t\t<hr class=\"border-op-navy opacity-100 mt-5 mb-5\">\n\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"fs-5 fst-italic mb-5\">A solo DPC practice can give your client&#8217;s employees a good doctor.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"h3 fw-bold text-op-navy mb-0 text-balance\">It cannot give them the rest of what makes the model deployable.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t<hr class=\"border-op-navy opacity-100 mt-5 mb-0\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"col-12 col-lg-7 reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered offplan-header-cards-card\" style=\"--offplan-card-icon:url(http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-thumbs-up.svg)\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-navy\">Claims reclassification analysis<\/h3>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>An evidence-based diagnostic showing what reclassifies out, what remains, and what the stop-loss carrier should price against at renewal.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered offplan-header-cards-card\" style=\"--offplan-card-icon:url(http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-thumbs-up.svg)\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-navy\">Dedicated client success manager<\/h3>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>A named point of contact for your client&#8217;s HR and finance teams. Not a portal. A person who owns the relationship.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered offplan-header-cards-card\" style=\"--offplan-card-icon:url(http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-thumbs-up.svg)\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-navy\">Quarterly business reviews<\/h3>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Utilization data, claims avoidance, ER diversion, chronic disease metrics. The data that defends the model at renewal and earns better rates.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered offplan-header-cards-card\" style=\"--offplan-card-icon:url(http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-thumbs-up.svg)\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-navy\">Employer dashboard<\/h3>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Population-level reporting on what is actually happening across the workforce. Not a patient portal.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered offplan-header-cards-card\" style=\"--offplan-card-icon:url(http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-thumbs-up.svg)\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-navy\">Predictive risk stratification<\/h3>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Surfacing high-cost trajectories before they hit. The diabetic whose A1c is climbing. The pre-hypertensive employee who missed follow-ups.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered offplan-header-cards-card\" style=\"--offplan-card-icon:url(http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-thumbs-up.svg)\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-navy\">Curated specialty access<\/h3>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Cash-pay specialists, diagnostics, and outpatient procedures coordinated end-to-end. No claim filed. No PPO repricing. No surprise bills.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t<\/div>\n\n\t\t\t<div class=\"offplan-header-cards-note text-op-navy text-center mt-5 reveal reveal-up\">\n\t\t\t<p><strong>OffPlan is the integrated model. The doctor is the foundation.<\/strong><\/p>\n<p>The platform is what makes it deployable as a complete employer healthcare benefit.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div id=\"employer-profiles\" class=\"anchor\"><\/div><section class=\"py-lg-6\"><div class=\"container\">\n\n\t\t\t<div class=\"text-center mb-5 reveal reveal-up\">\n\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">Ideal Employer Profiles<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance mb-3\">Who OffPlan fits.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-10 mx-auto mb-0 text-balance\">Not every client. Not every advisor. The conversation works best when these patterns are present.<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\n\t\t\t<div class=\"row g-4 offplan-card-grid justify-content-center reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-6\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered offplan-card-ticks p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-navy\">Client Profile<\/span><\/h3>\n\t\t\t\t\t\t<ul>\n<li>Self-funded SMBs<\/li>\n<li>Level-funded groups feeling renewal pressure<\/li>\n<li>Fully insured employers facing trend they cannot absorb, including HDHP-based plans where OffPlan can be added without restructuring<\/li>\n<li>Owner-led businesses with budget discipline<\/li>\n<li>Groups with high deductible fatigue across the workforce<\/li>\n<li>Distributed workforces where access matters<\/li>\n<\/ul>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-6\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered offplan-card-ticks p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-navy\">Advisor Profile<\/span><\/h3>\n\t\t\t\t\t\t<ul>\n<li>Building plans around employer outcomes, not carrier renewals<\/li>\n<li>Comfortable with self-funded, level-funded, and transparent purchasing models<\/li>\n<li>Willing to bring an alternative to the table when the math no longer works<\/li>\n<li>Looking for a structural conversation with clients, not another product to bolt on<\/li>\n<\/ul>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\t\n<\/div>\n<\/section>\n\n<div id=\"why-offplan\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container\">\n\n\t\t\t<div class=\"row g-5 align-items-start\">\n\t\t\t<div class=\"col-12 col-lg-4 reveal reveal-left\">\n\t\t\t\t<p class=\"section-eyebrow mb-2 reveal reveal-up\">Why OffPlan Is Different<\/p><h2 class=\"display-5 fw-bold text-op-navy text-balance mb-4 reveal reveal-up\">A different category, side by side.<\/h2><p class=\"lead mb-0 reveal reveal-up\">Not a better version of traditional insurance. A different operating model.<\/p>\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-8 reveal reveal-right\">\n\t\n\t\n\t\t<!-- Desktop table -->\n\t\t<div class=\"table-responsive d-none d-lg-block reveal reveal-up\">\n\t\t\t<table class=\"table table-bordered align-middle mb-0 offplan-comparison-table\">\n\t\t\t\t<thead>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 bg-op-navy text-white\" scope=\"col\" style=\"width:50%\">\n\t\t\t\t\t\t\t\tTraditional Insurance\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 bg-op-navy text-white\" scope=\"col\" style=\"width:50%\">\n\t\t\t\t\t\t\t\tOffPlan\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tClaims-driven\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMembership-driven\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"offplan-comparison-row-alt\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPrior authorizations for routine care\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDirect physician access\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tIncreasing deductibles every year\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t$0 primary care deductibles\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"offplan-comparison-row-alt\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFragmented care across providers\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCoordinated care model\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPBM spread pricing\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransparent pass-through pharmacy\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"offplan-comparison-row-alt\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tReactive care after the event\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tUpstream care management\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAnnual renewal as a cost-shifting exercise\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAnnual renewal as a strategic review\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<!-- Mobile carousel -->\n\t\t\t\t\t<div class=\"d-lg-none reveal-stagger\" data-offplan-carousel data-reveal-stagger=\"70\" data-reveal-stagger-children=\".offplan-comparison-carousel-card\">\n\t\t\t\t<div class=\"offplan-comparison-carousel-viewport\" tabindex=\"0\" aria-label=\"Why offplan comparison cards\">\n\t\t\t\t\t<div class=\"offplan-comparison-carousel-track\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Traditional Insurance<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tClaims-driven\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMembership-driven\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Traditional Insurance<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPrior authorizations for routine care\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDirect physician access\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Traditional Insurance<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tIncreasing deductibles every year\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t$0 primary care deductibles\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Traditional Insurance<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFragmented care across providers\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCoordinated care model\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Traditional Insurance<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPBM spread pricing\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransparent pass-through pharmacy\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Traditional Insurance<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tReactive care after the event\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tUpstream care management\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Traditional Insurance<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAnnual renewal as a cost-shifting exercise\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAnnual renewal as a strategic review\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"offplan-comparison-carousel-nav mt-4\">\n\t\t\t\t\t<div class=\"btn-group offplan-comparison-carousel-pill\" role=\"group\" aria-label=\"Why offplan carousel controls\">\n\t\t\t\t\t\t<button class=\"btn btn-outline-primary\" type=\"button\" data-offplan-carousel-prev aria-label=\"Previous card\">&lt;&lt;<\/button>\n\t\t\t\t\t\t<span class=\"btn btn-outline-primary disabled offplan-comparison-carousel-status\" data-offplan-carousel-status aria-live=\"polite\" aria-disabled=\"true\">1 of 7<\/span>\n\t\t\t\t\t\t<button class=\"btn btn-outline-primary\" type=\"button\" data-offplan-carousel-next aria-label=\"Next card\">&gt;&gt;<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\n\t\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\n\t\n<\/div>\n<\/section>\n\n<div id=\"explore-offplan\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-navy-gradient text-white\"><div class=\"container text-center\">\n\t<div class=\"row justify-content-center\">\n\t\t<div class=\"col-12 col-lg-8\">\n\n\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-2 reveal reveal-up\">Explore whether OffPlan fits your client<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-white text-balance mb-3 reveal reveal-up\">The conversation starts with a Reclassification analysis.<\/h2>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead mb-5 reveal reveal-up\">Bring us a target client and a recent renewal. We model what reclassifies out, what remains, and what the structural change actually looks like for their group. You walk into the next renewal with independent data, not the carrier&#8217;s version of it.<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"d-flex flex-wrap justify-content-center gap-3 reveal reveal-up\">\n\t\t\t\t\t<a href=\"#\" class=\"btn btn-lg btn-outline\" data-bs-toggle=\"modal\" data-bs-target=\"#advisorModal\">Solicitar un an\u00e1lisis de reclasificaci\u00f3n<\/a>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/section>\n\n<section class=\"py-5\"><div class=\"container text-center\">\n\t<p class=\"offplan-statement h3 text-op-navy mb-0 text-balance reveal reveal-up\"><strong>This is not a different broker pitch.<\/strong><br><strong>It is the model you have been describing to your clients for years.<\/strong><\/p>\n<\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":72,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-33","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - 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