{"id":52,"date":"2026-05-19T14:12:54","date_gmt":"2026-05-19T18:12:54","guid":{"rendered":"http:\/\/offplan.network\/?page_id=52"},"modified":"2026-08-28T12:51:27","modified_gmt":"2026-08-28T16:51:27","slug":"compare-plans","status":"publish","type":"page","link":"http:\/\/offplancare.com\/es\/business\/employers\/compare-plans\/","title":{"rendered":"Comparar planes"},"content":{"rendered":"<section class=\"hero-slim bg-op-navy-gradient text-white py-5\">\n\t<div class=\"container py-5\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-8 offset-lg-2 text-center\">\n\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\">OffPlan vs. Traditional Plans<\/h1>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"hero-subhead lead mb-0\"><p>You are paying for insurance on everything. Here is what that actually costs you \u2014 and what changes when you stop.<\/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\">\n\t<div class=\"row\">\n\t\t<div class=\"col-12 col-lg-10 mx-auto\">\n\n\t\t\t\t\t\t\t<div class=\"text-center mb-5\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2 reveal reveal-up\">Dive Deeper<\/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 text-balance mb-0 reveal reveal-up\">Comparison<\/h2>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div data-offplan-compare>\n\n\t\t\t\t<div class=\"offplan-compare-select mb-5 reveal reveal-up\">\n\t\t\t\t\t<select class=\"form-select form-select-lg\" data-offplan-compare-select aria-label=\"Select a comparison category\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"0\">The Renewal Treadmill<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"1\">Cost Transparency<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"2\">Atenci\u00f3n primaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"3\">Specialists + Imaging<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"4\">Gap Protection<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"5\">Pharmacy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"6\">Care Navigation<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"7\">The Carrier Profit Problem<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"8\">Employer Intelligence<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"offplan-compare-panel is-active\" data-offplan-compare-panel>\n\t\t\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\"><p class=\"section-eyebrow mb-2\">Traditional Plan<\/p><p>Your carrier underprices year one to win the business, then hits you with 10\u201325% renewal increases. You negotiate. Move a deductible. Maybe shop carriers. The result is roughly the same: more money for the same coverage. The cycle never breaks because the structure never changes.<\/p>\n<\/div><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">With OffPlan<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">80% of your spend is removed from the renewal cycle entirely.<\/h3><p>OffPlan&#8217;s care layer is a flat-rate services contract. It does not increase with carrier trend. Only the major layer is exposed to annual increases, and that layer improves every year because your claims data keeps getting better. The result: your total trend exposure is a fraction of what it was.<\/p>\n<\/div><\/div>\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\t\t\t\t\t<div class=\"offplan-compare-panel\" data-offplan-compare-panel>\n\t\t\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\"><p class=\"section-eyebrow mb-2\">Traditional Plan<\/p><p>You pay a bundled number. You never see what a claim actually costs, what is carrier admin, and what is carrier profit. Every layer \u2014 the TPA, the PBM, the hospital system \u2014 earns spread on complexity. Nobody in the chain has a financial incentive to lower your costs.<\/p>\n<\/div><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">With OffPlan<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">Every component is visible and priced independently.<\/h3><p>Flat-rate care layer. Cash-pay specialist rates at 50\u201380% below insurance. Transparent pharmacy at direct cost. Stop-loss quoted separately. You see what every dollar buys.<\/p>\n<\/div><\/div>\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\t\t\t\t\t<div class=\"offplan-compare-panel\" data-offplan-compare-panel>\n\t\t\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\"><p class=\"section-eyebrow mb-2\">Traditional Plan<\/p><p>$35\u2013$60 co-pays. 15-minute visits. A doctor managing 2,500 patients who is reading your chart for the first time. 3-week wait for an appointment. Every visit generates a claim with admin overhead. This is the care your employees use most \u2014 and it is the worst experience in the system.<\/p>\n<\/div><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">With OffPlan<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">$0 co-pay. 45-minute visits. Same-day access. 24\/7 availability.<\/h3><p>Physician-owned practices with 500\u2013600 patient panels. Your doctor knows your name, your history, your family. No claim filed. No prior authorization. No insurance involvement at all.<\/p>\n<\/div><\/div>\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\t\t\t\t\t<div class=\"offplan-compare-panel\" data-offplan-compare-panel>\n\t\t\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\"><p class=\"section-eyebrow mb-2\">Traditional Plan<\/p><p>Routed through PPO at 250\u2013350% of Medicare. A knee MRI that Medicare reimburses at $442 costs your plan $1,200\u2013$3,000. Facility fees added. Surprise bills possible. Every referral generates a claim with deductible and coinsurance exposure for the employee.<\/p>\n<\/div><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">With OffPlan<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">Curated cash-pay providers at pre-negotiated transparent rates.<\/h3><p>MRI: $350. Ortho visit: $150. Colonoscopy: under $1,500 vs. $4,000+. No facility fees. No surprise bills. Paid with employer-funded benefit card. No claim filed. $0 to the employee.<\/p>\n<\/div><\/div>\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\t\t\t\t\t<div class=\"offplan-compare-panel\" data-offplan-compare-panel>\n\t\t\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\"><p class=\"section-eyebrow mb-2\">Traditional Plan<\/p><p>An ER visit costs $3,000\u2013$8,000. A minor surgery runs $10,000\u2013$20,000. These fall below your stop-loss attachment point, so the plan pays in full through the claims system. Every one of those dollars counts against your renewal. There is no middle layer to absorb the hit.<\/p>\n<\/div><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">With OffPlan<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">Hospital indemnity + accident insurance bridges the gap.<\/h3><p>Fixed cash payouts for ER visits, hospital admissions, and accident-related care. Available as a voluntary benefit. HSA-compatible. Employees get cash to cover the out-of-pocket costs that fall between Tier 2 and your stop-loss attachment point.<\/p>\n<\/div><\/div>\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\t\t\t\t\t<div class=\"offplan-compare-panel\" data-offplan-compare-panel>\n\t\t\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\"><p class=\"section-eyebrow mb-2\">Traditional Plan<\/p><p>Your PBM pockets the spread between what your plan pays and what the pharmacy receives. They steer to expensive drugs. Rebate revenue flows to them, not your plan. The formulary is designed around their margins, not your members&#8217; health. You never see the actual numbers.<\/p>\n<\/div><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">With OffPlan<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">NADAC-based pricing. 100% rebate pass-through. No spread.<\/h3><p>Generic medications dispensed in-office by your OffPlan physician at direct cost. Brand and specialty drugs sourced through transparent channels. You see what every prescription actually costs.<\/p>\n<\/div><\/div>\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\t\t\t\t\t<div class=\"offplan-compare-panel\" data-offplan-compare-panel>\n\t\t\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\"><p class=\"section-eyebrow mb-2\">Traditional Plan<\/p><p>Your carrier&#8217;s nurse line is a call center. Nobody there knows your employees. Nobody is proactively managing chronic conditions, steering referrals to lower-cost providers, or preventing the ER visit that could have been a same-day office visit.<\/p>\n<\/div><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">With OffPlan<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">Your OffPlan physician is the care navigator.<\/h3><p>They know each patient. They coordinate every specialist referral, route imaging to curated providers, manage chronic conditions proactively, and handle urgent needs same-day before they become ER visits.<\/p>\n<\/div><\/div>\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\t\t\t\t\t<div class=\"offplan-compare-panel\" data-offplan-compare-panel>\n\t\t\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\"><p class=\"section-eyebrow mb-2\">Traditional Plan<\/p><p>Carriers profit from a percentage of premium. Higher healthcare costs = higher premiums = higher carrier revenue. The carrier has no structural incentive to lower your costs. That is not a conspiracy. It is their business model.<\/p>\n<\/div><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">With OffPlan<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">OffPlan earns a flat rate. When your costs go down, your costs go down.<\/h3><p>We do not earn more when claims go up. We do not profit from complexity. Physicians are incentivized by outcomes, not visit volume.<\/p>\n<\/div><\/div>\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\t\t\t\t\t<div class=\"offplan-compare-panel\" data-offplan-compare-panel>\n\t\t\t\t\t\t<div class=\"row g-4 offplan-card-grid\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\"><p class=\"section-eyebrow mb-2\">Traditional Plan<\/p><p>You get a renewal summary once a year. Maybe a claims report with aggregate data. No risk stratification. No predictive analytics. No visibility into which conditions are driving cost until after the claims hit. You are always reacting.<\/p>\n<\/div><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\"><div class=\"offplan-card offplan-card-navy-gradient p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">With OffPlan<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">Population health analytics, risk stratification, and claims avoidance tracking.<\/h3><p>OffPlan surfaces which employees are trending toward high-cost events and intervenes before they get there. The data feeds directly into stop-loss evidence packages that earn better renewal pricing. A dedicated account manager runs quarterly business reviews with your team.<\/p>\n<\/div><\/div>\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\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/section>\n\n<section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container\">\n\n\t\t\t<div class=\"text-center col-lg-8 mx-auto mb-5\">\n\t\t\t<p class=\"section-eyebrow mb-2 reveal reveal-up\">Summary<\/p><h2 class=\"display-5 fw-bold text-op-navy text-balance mb-0 reveal reveal-up\">Side-by-side<\/h2>\t\t<\/div>\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<th class=\"p-4 bg-op-navy text-white\" scope=\"col\" style=\"width:34%\">Dimension<\/th>\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:33%\">\n\t\t\t\t\t\t\t\tTraditional Plan\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:33%\">\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<th class=\"p-4 text-op-navy\" scope=\"row\">Can you see your costs?<\/th>\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\tNo. Bundled premium with hidden margins.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tYes. Every component priced independently.\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<th class=\"p-4 text-op-navy\" scope=\"row\">$0 claims for primary care?<\/th>\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\t$35\u2013$60 co-pay. Claim filed every visit.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t$0. No claim. No co-pay. No deductible.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Cost transparency<\/th>\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\tCarrier decides. You see the bill.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEvery dollar visible. Cash-pay rates published.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Employer control<\/th>\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\tCarrier controls plan design.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEmployer selects TPA, stop-loss, pharmacy independently.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Pharmacy<\/th>\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 + hidden rebates.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tNADAC pricing. 100% rebate pass-through.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Primary care<\/th>\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\t$35\u2013$60 co-pay. 12-min visits. 2,500 patients.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t$0. 45-min visits. 500\u2013600 patients. Same-day.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Specialist pricing<\/th>\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\t250\u2013350% of Medicare through PPO.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCash-pay at 120\u2013150% of Medicare. $0 to employee.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Gap protection<\/th>\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\tNo middle layer. ER and minor surgery hit the plan in full.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHospital indemnity + accident insurance. HSA-compatible. Voluntary.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Care navigation<\/th>\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\tCarrier call center. Nobody knows you.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tYour physician coordinates everything.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Employer analytics<\/th>\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 summary. Aggregate claims data.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPopulation health dashboard. Risk stratification. Claims avoidance tracking.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Risk identification<\/th>\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. You find out after the claim hits.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPredictive. Platform surfaces rising-risk members before they become high-cost.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Account management<\/th>\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\t800 number. Carrier service rep.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tNamed account manager. Quarterly business reviews. Advisor coordination.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Stop-loss positioning<\/th>\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\tCarrier submits standard renewal data.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOffPlan compiles actuarial evidence package proving improved risk profile.\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<th class=\"p-4 text-op-navy\" scope=\"row\">Carrier incentive<\/th>\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\tProfit tied to premium volume. Costs up = revenue up.\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   fw-bold text-op-navy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFlat rate. No profit from claims volume. Physicians incentivized by outcomes, not visits.\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=\"Side-by-side 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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Can you see your costs?<\/h3>\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 Plan<\/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\tNo. Bundled premium with hidden margins.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tYes. Every component priced independently.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">$0 claims for primary care?<\/h3>\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 Plan<\/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\t$35\u2013$60 co-pay. Claim filed every visit.\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=\"fw-bold text-op-navy 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. No claim. No co-pay. No deductible.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Cost transparency<\/h3>\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 Plan<\/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\tCarrier decides. You see the bill.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEvery dollar visible. Cash-pay rates published.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Employer control<\/h3>\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 Plan<\/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\tCarrier controls plan design.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEmployer selects TPA, stop-loss, pharmacy independently.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Pharmacy<\/h3>\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 Plan<\/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 + hidden rebates.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tNADAC pricing. 100% rebate pass-through.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Primary care<\/h3>\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 Plan<\/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\t$35\u2013$60 co-pay. 12-min visits. 2,500 patients.\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=\"fw-bold text-op-navy 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. 45-min visits. 500\u2013600 patients. Same-day.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Specialist pricing<\/h3>\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 Plan<\/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\t250\u2013350% of Medicare through PPO.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCash-pay at 120\u2013150% of Medicare. $0 to employee.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Gap protection<\/h3>\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 Plan<\/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\tNo middle layer. ER and minor surgery hit the plan in full.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHospital indemnity + accident insurance. HSA-compatible. Voluntary.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Care navigation<\/h3>\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 Plan<\/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\tCarrier call center. Nobody knows you.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tYour physician coordinates everything.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Employer analytics<\/h3>\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 Plan<\/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 summary. Aggregate claims data.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPopulation health dashboard. Risk stratification. Claims avoidance tracking.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Risk identification<\/h3>\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 Plan<\/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. You find out after the claim hits.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPredictive. Platform surfaces rising-risk members before they become high-cost.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Account management<\/h3>\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 Plan<\/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\t800 number. Carrier service rep.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tNamed account manager. Quarterly business reviews. Advisor coordination.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Stop-loss positioning<\/h3>\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 Plan<\/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\tCarrier submits standard renewal data.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOffPlan compiles actuarial evidence package proving improved risk profile.\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<h3 class=\"h5 fw-bold text-op-navy mb-4\">Carrier incentive<\/h3>\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 Plan<\/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\tProfit tied to premium volume. Costs up = revenue up.\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=\"fw-bold text-op-navy mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFlat rate. No profit from claims volume. Physicians incentivized by outcomes, not visits.\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=\"Side-by-side 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 14<\/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\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\">\n\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\">Ready to see the numbers for your group?<\/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\">We will model your specific costs and show you what changes.<\/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>\t\t\t\t<\/div>\n\t\t\t\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":35,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-52","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - 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