{"id":35,"date":"2026-05-07T11:32:19","date_gmt":"2026-05-07T15:32:19","guid":{"rendered":"http:\/\/offplan.network\/?page_id=35"},"modified":"2026-08-31T15:31:51","modified_gmt":"2026-08-31T19:31:51","slug":"employers","status":"publish","type":"page","link":"http:\/\/offplancare.com\/es\/business\/employers\/","title":{"rendered":"Empleadores"},"content":{"rendered":"<section class=\"hero offplan-hero offplan-hero-right\" style=\"background-image:url(http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/bg-hero-employers.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-7 offset-lg-5\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-3\">For Employers<\/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\">Stop overpaying for care that doesn&#8217;t need a claim.<\/h1>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"hero-subhead lead mb-0\"><p>Your funding structure does not change. The events that hit it do.<\/p>\n<p>80% of your healthcare spend never needed insurance. We remove most of your healthcare from the insurance system entirely.<\/p>\n<p><strong>We are not anti-insurance. We are anti-misuse of insurance.<\/strong><\/p>\n<p>OffPlan fixes the structure, not the symptoms.<\/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<div id=\"problem\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-navy-gradient text-white\"><div class=\"container\">\n\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\"><p class=\"section-eyebrow text-white mb-2\">The Problem<\/p><h2 class=\"offplan-card-heading h4 fw-bold text-white\">Every dollar of care runs through the same expensive pipe.<\/h2><div class=\"offplan-paired-body offplan-paired-plain offplan-paired-plain-dark\"><p>Healthcare is the only line item in your budget that grows by double digits every year while access to care gets worse. A strep test generates a claim. A diabetes check-in generates a claim. A sinus infection runs through a claims adjudication system designed for major risk. That is like hiring an armored car to deliver mail.<\/p>\n<ul>\n<li>Routine care is treated like unpredictable risk<\/li>\n<li>Employers pre-fund costs that may never happen<\/li>\n<li>Pricing is opaque and disconnected from reality<\/li>\n<li>Insurance is used for care that doesn&#8217;t require insurance<\/li>\n<\/ul>\n<p>The system was built around one assumption: every healthcare dollar becomes a claim. And every claim feeds 25 to 35 percent in middleman extraction across carrier admin, PBM spread pricing, network repricing, broker commissions, billing inefficiency, and prior authorization overhead. None of that buys care. It funds a supply chain.<\/p>\n<p><strong>You are funding far more than you actually need.<\/strong><\/p>\n<\/div><\/div><div class=\"col-12 col-lg-6\"><p class=\"section-eyebrow text-white mb-2\">The OffPlan Thesis<\/p><h2 class=\"offplan-card-heading h4 fw-bold text-white\">Pull the 80% out. Let insurance handle the 20%.<\/h2><div class=\"offplan-paired-body offplan-paired-plain offplan-paired-plain-dark\"><p><em>OffPlan handles the care that should never have been a claim. Insurance handles what it was actually designed for.<\/em><\/p>\n<p>OffPlan is how small businesses pay for healthcare without using insurance for the routine stuff. Your employees get a flat monthly membership for primary care, chronic care, and prevention. Insurance stays in place for surgeries, hospital stays, and major events.<\/p>\n<p>For OffPlan primary and specialty care, no claims, no deductibles, no prior authorizations. Insurance still works as insurance for the events that flow to it, with claims, deductibles, and coinsurance that follow your plan design.<\/p>\n<\/div><\/div>\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<section class=\"py-lg-6\"><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 mb-2 pe-lg-4\">The Engine<\/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-op-navy mb-4 text-balance pe-lg-4\">Reclassify<sup>&trade;<\/sup>.<\/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\">The claims analysis layer that powers the OffPlan model.<\/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 employer arrangement starts here. <strong>Reclassify<sup>&trade;<\/sup><\/strong> maps your current spend, identifies what moves out of the claims system entirely, what gets repriced through transparent cash-pay delivery, and what genuinely belongs in insurance. The result is the residual portion of healthcare spend your group actually needs to fund.<\/p>\n<p>It is the methodology behind every sentence on this page. The unbundled stack you are about to see, the claims that disappear, the funding that shrinks, the savings comparison we measure against your total spend instead of just your claims. All of it comes from running your group through Reclassify<sup>&trade;<\/sup> first.<\/p>\n<p><strong>Reclassify<sup>&trade;<\/sup> powers the OffPlan model. It is built and operated by OffPlan.<\/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=\"model\" class=\"anchor\"><\/div><section class=\"pt-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\">The Model<\/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\">Healthcare, Unbundled.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-8 mx-auto mb-0 text-balance\">OffPlan separates the care your employees use every day from the insurance they need when something goes wrong. Employees get direct access to care. Coverage stays where it actually belongs.<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t\n\t\t\t\t\t<div class=\"offplan-card-group col-lg-8 mx-auto position-relative mb-5 reveal-stagger\" data-reveal-stagger=\"90\" data-reveal-stagger-children=\".offplan-card\">\n\t\t\t\t\t\t\t\t\t<p class=\"offplan-card-group-label section-eyebrow text-center mb-4 mb-lg-0\">Insurance<\/p>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-navy-gradient mb-4 p-4 p-lg-5\">\n\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-orange\">Tier 4: Major Event Protection<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p>Hospitalization. Major surgery. Cancer. ICU. Transplants. Stop-loss placed through licensed carriers. This is what insurance was actually designed for.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\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\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-orange\">Tier 3: Gap Event Protection<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p>ER visits. Urgent care. Injuries. Minor surgeries. Hospital indemnity and accident insurance bridge the gap between routine care and major events. HSA-compatible. Voluntary.<\/p>\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\t\t\t\n\t\t\t\t\t<div class=\"offplan-card-group col-lg-8 mx-auto position-relative mb-5 reveal-stagger\" data-reveal-stagger=\"90\" data-reveal-stagger-children=\".offplan-card\">\n\t\t\t\t\t\t\t\t\t<p class=\"offplan-card-group-label section-eyebrow text-center mb-4 mb-lg-0\">Direct Care<\/p>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-card offplan-card-navy-gradient mb-4 p-4 p-lg-5\">\n\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-orange\">Tier 2: Curated Specialty Access<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p>Specialists, diagnostics, imaging, and outpatient procedures coordinated through pre-vetted, pre-priced cash-pay providers. Paid via employer-funded benefit card. No claim filed. No PPO repricing. No surprise bills.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\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\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold text-op-orange\">Tier 1: Primary Care<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p>Same-day primary care. Chronic care management. Prevention. Care coordination. Unlimited visits. $0 co-pay. Included in the OffPlan membership. The foundation.<\/p>\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\t\n\t\t\t<div class=\"offplan-section-note text-op-navy text-center reveal reveal-up\">\n\t\t\t<p><strong>OffPlan handles care directly.<\/strong> The bottom half never touches insurance. The top half is exactly what insurance was designed for. You do not assemble any of this yourself. OffPlan coordinates the full stack for your company so you see where every dollar goes.<\/p>\n\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container\">\n\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-10\">\n\t\t\t\t\t<div class=\"offplan-card p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t<p><strong>New for 2026: HSA + DPC now work together.<\/strong><\/p>\n<p>Federal law now allows employees to maintain HSA eligibility while their employer provides a DPC membership. Pair an HDHP with OffPlan: tax-advantaged savings through their HSA for the 20%, $0 primary care through OffPlan for the 80%.<\/p>\n<p>Hospital indemnity and accident insurance layer on as voluntary benefits without affecting HSA eligibility. The HDHP deductible only applies to hospital visits and major procedures.<\/p>\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=\"changes\" class=\"anchor\"><\/div><section class=\"py-lg-6\"><div class=\"container\">\n\n\t\t<div class=\"text-center\">\n\t\t\t\t\t<p class=\"section-eyebrow mb-2 reveal reveal-up\">What Actually Changes<\/p>\n\t\t\n\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance reveal reveal-up mb-3\">Less of your healthcare ever becomes a claim.<\/h2>\n\t\t\n\t\t\t\t\t<p class=\"lead mb-5 reveal reveal-up\">Under a traditional plan, every visit, every test, and every procedure runs through the claims system. That is the assumption built into how plans are priced. OffPlan changes that assumption.<\/p>\n\t\t\t<\/div>\n\t\n\t\t\t<div class=\"row g-4 reveal-stagger text-center pt-5\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-6 px-lg-5\">\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-primary-care.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=\"text-op-navy-lighter text-uppercase mb-0\">Primary Care<\/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-op-navy text-balance offplan-icon-title\">Included in the membership,<br \/>\nnot run through a claim.<\/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\">Same-day visits, chronic care management, and prevention are delivered through a flat monthly membership. No claim is filed. No deductible applies. The cost does not vary with utilization.<\/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 px-lg-5\">\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-chronic-conditions.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=\"text-op-navy-lighter text-uppercase mb-0\">Chronic Conditions<\/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-op-navy text-balance offplan-icon-title\">Managed proactively,<br \/>\nnot escalated reactively.<\/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\">Diabetes, hypertension, and other chronic conditions are managed in 45-minute visits with a physician who knows the patient. Conditions stabilize instead of escalating into hospital admissions and ER visits.<\/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 px-lg-5\">\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-specialists.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=\"text-op-navy-lighter text-uppercase mb-0\">Specialists, Imaging, and Procedures<\/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-op-navy text-balance offplan-icon-title\">Routed through curated cash-pay,<br \/>\nnot billed through PPO repricing.<\/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\">Specialist consultations, diagnostic imaging, and outpatient procedures route through pre-vetted providers at pre-negotiated cash-pay rates. An MRI that bills at $1,200 to $3,000 through insurance is paid at roughly $350. A specialist visit that bills at $600 to $900 is paid at $200 to $400. No claim filed. No PPO repricing. No surprise bills.<\/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 px-lg-5\">\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-hospital-events.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=\"text-op-navy-lighter text-uppercase mb-0\">Hospital Events<\/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-op-navy text-balance offplan-icon-title\">Insured,<br \/>\nas designed.<\/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\">Hospitalizations, major surgery, and serious medical events are funded through stop-loss placed with licensed carriers. This is the layer that requires insurance, and the only layer that runs through the claims system.<\/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-op-navy text-center mt-5 reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t<p><strong>The result:<\/strong> dramatically less of your healthcare spend ever flows through the claims system. The 80% that should never have been claims is removed. The 20% that requires insurance is protected. The structure changes. The cost changes with it.<\/p>\n\t\t<\/div>\n\t\n\t\n<\/div>\n<\/section>\n\n<div id=\"what-you-fund\" class=\"anchor\"><\/div><section class=\"py-lg-6\"><div class=\"offplan-contrast-panel bg-op-navy-gradient text-white py-lg-6\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<div class=\"text-center mb-5 reveal reveal-up\">\n\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-2\">What You Actually Fund<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-white text-balance mb-3\">The question changes. So does the answer.<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"lead col-lg-9 mx-auto mb-0 text-balance\">Most plans are priced to a single question: how much should we set aside for claims? OffPlan starts somewhere different.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"offplan-contrast-pair my-5 py-lg-5 mb-0 reveal reveal-up\">\n\t\t\t\t<div class=\"offplan-contrast-circle\"><div><p class=\"fw-bold text-op-orange text-uppercase mb-2\">Traditional<\/p><p class=\"h4 fw-medium text-white mb-0\">&#8220;How much should we set aside for claims?&#8221;<\/p><\/div><\/div>\n\t\t\t\t\t\t\t\t\t<span class=\"offplan-contrast-connector\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\n\t\t\t\t<div class=\"offplan-contrast-circle offplan-contrast-circle-lg\"><div><p class=\"fw-bold text-op-orange text-uppercase mb-2\">OffPlan<\/p><p class=\"h4 fw-medium text-white mb-0\">&#8220;After most healthcare cost is removed or reduced, what is left to fund?&#8221;<\/p><\/div><\/div>\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"col-lg-10 mx-auto py-5 reveal reveal-up\">\n\t\t\t\t\t\t\t\t\t<p class=\"h5 fw-bold text-op-orange text-center mb-5\">Residual funding, not expected claims.<\/p>\n\t\t\t\t\n\t\t\t\t<p>A traditional self-funded or level-funded plan asks employers to pre-fund expected claims every month, whether or not those claims materialize. OffPlan changes the math by removing most of that spend before it ever enters the claims system.<\/p>\n<p>Primary care is included in the membership. Specialty care is paid at transparent cash-pay rates. Pharmacy is sourced through a transparent PBM. Hospital indemnity bridges the gap. Stop-loss handles the major layer.<\/p>\n<p>What remains is a residual. A targeted liquidity reserve sized to absorb the timing and volatility of the events that genuinely require funding, replenished as those events occur. Most employers find this residual is a fraction of what they were funding under their previous plan structure. The exact figure depends on your group, your current arrangement, and how much of your spend is reclassified, which is what we model directly with your numbers.<\/p>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"offplan-contrast-notes col-lg-10 mx-auto reveal reveal-up\">\n\t\t\t\t<div class=\"row g-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-6 offplan-contrast-note p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"d-flex align-items-center gap-3 mb-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"h5 fw-bold text-op-orange mb-0\">How we measure savings<\/p>\n\t\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\t\t<span class=\"offplan-contrast-note-icon\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-measure.svg\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p>We compare against your <strong>total healthcare spend<\/strong>, not just claims. That includes premiums or claims paid, stop-loss, administration, network access, PBM and pharmacy, and broker or consulting fees. The same components OffPlan replaces or restructures on the other side of the comparison.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-6 offplan-contrast-note p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"d-flex align-items-center gap-3 mb-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"h5 fw-bold text-op-orange mb-0\">Why this matters<\/p>\n\t\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\t\t<span class=\"offplan-contrast-note-icon\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/offplancare.com\/wp-content\/uploads\/2026\/08\/icon-why-it-matters.svg\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p>Most savings claims in the market are misleading because they compare against claims-only baselines and ignore the hidden costs sitting around them. We measure savings against what you actually pay today, end to end. Apples to apples.<\/p>\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<\/div>\n<\/section>\n\n<div id=\"multi-year\" class=\"anchor\"><\/div><section class=\"pt-lg-6 bg-op-light-gray\"><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 mb-2 pe-lg-4\">The Multi-Year Picture<\/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-op-navy mb-0 text-balance pe-lg-4\">The gap widens every year.<\/h2>\n\t\t\t\t\t\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>Traditional plans inflate at <strong>7 to 10 percent annually<\/strong>. That increase compounds every renewal, because the underlying middleman extraction grows with claims trend. The premium goes up. The deductible goes up. The employee contribution goes up. Year over year over year.<\/p>\n<p>OffPlan core membership pricing is built on a fixed monthly fee, not network-rate inflation. <strong>The savings story does not just hold. It widens every year.<\/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<section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container\">\n\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 p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">Traditional Plan<\/p>\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\">7 to 10% annual increase<\/span><\/h3>\n\t\t\t\t\t\t<p>Premium, deductibles, and contributions all compound. Driven by claims trend and middleman extraction that grows alongside it.<\/p>\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 p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">OffPlan Stack<\/p>\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\">2 to 3% annual increase<\/span><\/h3>\n\t\t\t\t\t\t<p>Membership is fixed-fee, not claims-driven. Specialty layer is cash-pay, not PPO-repriced. Annual lift comes from indemnity and stop-loss market conditions, not the structural OffPlan layers.<\/p>\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\t\t<div class=\"offplan-section-note text-op-navy text-center mt-5 reveal reveal-up\">\n\t\t\t<p>The longer you stay, the bigger the gap.<\/p>\n\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<div id=\"platform\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-navy-gradient text-white\"><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 text-white mb-2\">The Platform<\/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\">More than a doctor. A platform.<\/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\">Any DPC practice can give your employees a good doctor. OffPlan gives them a good doctor inside a system built to manage your entire population&#8217;s health, coordinate every referral, and produce the data that earns you better rates at renewal.<\/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-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-outline 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-orange\">Population Health Analytics<\/span><\/h3>\n\t\t\t\t\t\t<p>Employer-grade reporting on utilization patterns, chronic disease prevalence, claims avoidance, and ER diversion. Not a patient portal. A dashboard that shows your HR and finance teams what is actually happening across your employee population.<\/p>\n<p><strong>This is the data that earns better stop-loss pricing.<\/strong><\/p>\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-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-outline 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-orange\">Predictive Risk Stratification<\/span><\/h3>\n\t\t\t\t\t\t<p>OffPlan identifies which employees are trending toward high-cost events before they happen. A diabetic whose A1c is climbing. A pre-hypertensive employee who missed follow-ups. The physician acts proactively because the platform surfaces it.<\/p>\n<p><strong>This is what turns better primary care into lower major claims.<\/strong><\/p>\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-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-outline 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-orange\">Employee Onboarding + Engagement<\/span><\/h3>\n\t\t\t\t\t\t<p>Enrollment communications, benefit education, and ongoing engagement to drive utilization. If employees don&#8217;t use their OffPlan physician, the claims avoidance doesn&#8217;t happen. The platform drives adoption so the model actually works.<\/p>\n<p><strong>High participation is what makes the math hold.<\/strong><\/p>\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-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-outline 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-orange\">Dedicated Employer Account Manager<\/span><\/h3>\n\t\t\t\t\t\t<p>A named point of contact for your HR team. Handles onboarding, manages enrollment, runs quarterly business reviews with utilization data, coordinates with your benefits advisor. Not a call center. A person who owns your relationship.<\/p>\n<p><strong>OffPlan feels like a benefits partner, not a doctor referral.<\/strong><\/p>\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-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-outline 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-orange\">Specialty Care Coordination<\/span><\/h3>\n\t\t\t\t\t\t<p>When a physician determines a specialist is needed, OffPlan coordinates the referral to a pre-vetted, pre-priced cash-pay provider. Provider vetting, rate negotiation, scheduling, and payment via benefit card. The employee shows up. That is it. For cases where a specialist&#8217;s clinical input is needed but an in-person visit may not be, OffPlan physicians access eConsults to get answers faster and avoid unnecessary referrals entirely.<\/p>\n<p><strong>No standalone DPC practice can build this infrastructure.<\/strong><\/p>\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-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-outline 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-orange\">Stop-Loss Evidence Packaging<\/span><\/h3>\n\t\t\t\t\t\t<p>OffPlan compiles clinical and utilization data into an actuarial evidence package your advisor uses at stop-loss renewal. The bridge between &#8220;our employees are healthier&#8221; and &#8220;our carrier believes it and prices accordingly.&#8221;<\/p>\n<p><strong>Most TPAs don&#8217;t do this.<br \/>No DPC practice even thinks about it.<\/strong><\/p>\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=\"starting-point\" class=\"anchor\"><\/div><section class=\"py-lg-6\"><div class=\"container\">\n\n\t\t<div class=\"text-center\">\n\t\t\t\t\t<p class=\"section-eyebrow mb-2 reveal reveal-up\">Your Starting Point<\/p>\n\t\t\n\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance reveal reveal-up mb-3\">How do you fund healthcare today?<\/h2>\n\t\t\n\t\t\t\t\t<p class=\"lead mb-5 reveal reveal-up\">The answer determines how OffPlan slots into your plan. The thesis is the same across all three. The path in is different.<\/p>\n\t\t\t<\/div>\n\t\n\t\t\t<div class=\"row g-4 reveal-stagger text-center offplan-icon-grid-divided offplan-icon-grid-divided-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 d-flex flex-column align-items-center\">\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-physician-phase-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=\"text-op-navy-lighter text-uppercase mb-0\">Self-Funded<\/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-op-navy text-balance offplan-icon-title\">You already<br \/>\nown the risk.<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-icon-grid-item-body mb-0 px-0 px-lg-4 text-balance\"><p>You understand claims volatility, stop-loss, and admin complexity. You did not choose self-funding for the simplicity.<\/p>\n<p>Routine care is removed from claims. Specialty care is repriced. Fewer events reach stop-loss. You still own the risk. You just hit it far less often.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"mt-auto pt-4\"><a href=\"\/es\/employers\/self-funded\/\" class=\"btn btn-outline-navy\">Learn More<\/a><\/div>\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 d-flex flex-column align-items-center\">\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-physician-phase-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=\"text-op-navy-lighter text-uppercase mb-0\">Level-Funded<\/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-op-navy text-balance offplan-icon-title\">You took the first step.<br \/>\nThis is the next one.<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-icon-grid-item-body mb-0 px-0 px-lg-4 text-balance\"><p>Level-funded plans still ask you to fund expected claims every month, whether or not those claims materialize.<\/p>\n<p>We do not try to fund claims more efficiently. We reduce how much of your healthcare ever becomes a claim. You are not funding expected claims. You are funding what actually remains.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"mt-auto pt-4\"><a href=\"\/es\/employers\/level-funded\/\" class=\"btn btn-outline-navy\">Learn More<\/a><\/div>\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 d-flex flex-column align-items-center\">\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-physician-phase-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=\"text-op-navy-lighter text-uppercase mb-0\">Fully Insured<\/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-op-navy text-balance offplan-icon-title\">You are paying for a<br \/>\nsystem you cannot see.<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-icon-grid-item-body mb-0 px-0 px-lg-4 text-balance\"><p>Claims, administration, network access, carrier margin, and broker fees are bundled into one premium. You just pay the total.<\/p>\n<p>Care delivered directly. Pricing visible. Insurance separated and focused. Mid-year transitions are possible depending on your carrier and contract.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"mt-auto pt-4\"><a href=\"\/es\/employers\/fully-insured\/\" class=\"btn btn-outline-navy\">Learn More<\/a><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\t\n\t\n<\/div>\n<\/section>\n\n<div id=\"employee-experience\" 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\">The Employee Experience<\/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\">Private physician membership.<br \/>\nFor every employee.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-9 mx-auto mb-0 text-balance\">A dedicated doctor. A direct line. Same-day access. 45-minute visits. This is the care model executives and professional athletes pay $5,000-$20,000 a year for. Your company just made it standard for everyone.<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"offplan-circle-disclaimer col-lg-9 mx-auto mt-4 text-balance\"><p>We did not take away their insurance. We gave them a private doctor plus a backup plan. Blue Cross does not give your employees a direct line to a physician. OffPlan does.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t<div class=\"row g-4 g-lg-5 justify-content-center reveal-stagger\" 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<div class=\"offplan-circle bg-op-navy text-white\">\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-op-orange mb-1\">Doctors Access<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fw-bold mb-5\">Same day.<br \/>\nSee your doctor.<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"offplan-circle-marker fw-bold mb-2\" aria-hidden=\"true\">NO<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">Wait 3 weeks.<br \/>\nSee a stranger.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\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<div class=\"offplan-circle bg-op-navy text-white\">\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-op-orange mb-1\">Visit Length<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fw-bold mb-5\">45 minutes, thorough. They<br \/>\nknow your name.<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"offplan-circle-marker fw-bold mb-2\" aria-hidden=\"true\">NO<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">12 minutes, rushed.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\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<div class=\"offplan-circle bg-op-navy text-white\">\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-op-orange mb-1\">Cost to See<br \/>\nYour Doctor<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fw-bold mb-5\">$0. Unlimited visits.<br \/>\nNo claim.<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"offplan-circle-marker fw-bold mb-2\" aria-hidden=\"true\">NO<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">$40 co-pay. Claim filed.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\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<div class=\"offplan-circle bg-op-navy text-white\">\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-op-orange mb-1\">After Hours<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fw-bold mb-5\">24\/7 access to care. Urgent<br \/>\nneeds handled day or night.<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"offplan-circle-marker fw-bold mb-2\" aria-hidden=\"true\">NO<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">Go to urgent care. $150+.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\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<div class=\"offplan-circle bg-op-navy text-white\">\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-op-orange mb-1\">Specialist Referral<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fw-bold mb-5\">We coordinate it.<br \/>\nYou show up. You pay $0.<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"offplan-circle-marker fw-bold mb-2\" aria-hidden=\"true\">NO<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">&#8220;Good luck finding one.&#8221;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\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<div class=\"offplan-circle bg-op-navy text-white\">\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-op-orange mb-1\">Imaging<\/h3>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fw-bold mb-5\">MRI: ~$350. Employer-funded<br \/>\nbenefit card. No claim.<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"offplan-circle-marker fw-bold mb-2\" aria-hidden=\"true\">NO<\/p>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">You pay ~$1,200 toward<br \/>\nyour deductible.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<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-end\">\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\">For Benefits Advisors<\/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-0 text-balance pe-lg-4\">Working with<br \/>\nan advisor?<\/h2>\n\t\t\t\t\t\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>OffPlan integrates with your existing TPA, stop-loss carrier, and plan design. We never disintermediate the advisor relationship. We provide co-selling support, ROI modeling, and the clinical data that makes the renewal conversation easier. If you are working with a benefits advisor, have them reach out and we will engage with them directly on your behalf.<\/p>\n<\/div>\n\t\t\t\t\t<div class=\"offplan-two-col-header-buttons d-flex flex-wrap gap-3 mt-4\"><a href=\"\/es\/advisors\/\" class=\"text-link\">More for benefits advisors<\/a><\/div>\n\t\t\t\t\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=\"does-not-change\" 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\">What Does Not Change<\/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\">Your stop-loss, your plan, your advisor<br \/>\nstay. Your risk profile improves.<\/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 changes how care is delivered, not how risk is held. Here is what stays the same, and what is up to you.<\/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-navy-gradient 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-orange\">Your stop-loss stays in place<\/span><\/h3>\n\t\t\t\t\t\t<p>Stop-loss stays where it is. In most cases, it improves at renewal because the underlying claims data improves.<\/p>\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-navy-gradient 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-orange\">Your timing is your call<\/span><\/h3>\n\t\t\t\t\t\t<p>Cancel your plan and replace it with OffPlan. Layer OffPlan onto your existing plan, especially if it is a high-deductible plan. Or wait until renewal. The decision is yours, and we work with all three.<\/p>\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-navy-gradient 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-orange\">Your risk profile improves<\/span><\/h3>\n\t\t\t\t\t\t<p>Your funding structure stays the same. What changes is the frequency of events that hit it. Care is managed before it escalates, claims data improves, and your stop-loss carrier sees the difference.<\/p>\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-navy-gradient 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-orange\">Your advisor stays at the center<\/span><\/h3>\n\t\t\t\t\t\t<p>Your benefits advisor stays at the center of the relationship. We work alongside them, not around them.<\/p>\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<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-6\">\n\n\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-2 reveal reveal-up\">See your numbers<\/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\">Stop defending the increase.<\/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\">Start changing the math.<\/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=\"#analysisModal\">Get a Custom Analysis<\/a><a href=\"\/es\/compare-plans\/\" class=\"btn btn-lg btn-outline\">Compare Plans<\/a>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"offplan-cta-note small text-white-50 mt-4 reveal reveal-up\"><p>This isn&#8217;t a better plan design. It&#8217;s a different way healthcare gets paid for.<\/p>\n<\/div>\n\t\t\t\n\t\t<\/div>\n\t<\/div>\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-35","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Employers - OffPlan<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/offplancare.com\/es\/business\/employers\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Employers - OffPlan\" \/>\n<meta property=\"og:url\" content=\"https:\/\/offplancare.com\/es\/business\/employers\/\" \/>\n<meta property=\"og:site_name\" content=\"OffPlan\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-31T19:31:51+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/offplancare.com\/wp-content\/uploads\/2026\/05\/offplan-sharer.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/offplancare.com\\\/business\\\/employers\\\/\",\"url\":\"https:\\\/\\\/offplancare.com\\\/business\\\/employers\\\/\",\"name\":\"Employers - 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