01
What a carrier does
A carrier holds the insurance risk. When claims exceed expectations, the carrier (not your business) absorbs the volatility. Choosing the right carrier is choosing financial stability for your benefits program.
For Employers
The carrier behind your plan should not be a mystery.
If you're considering First Choice Health Plan or evaluating a self-funded structure, this page explains who Benefit Re is, what we do, and why it matters.
02
Why Benefit Re is different
Most carriers are legacy institutions adapting product lines opportunistically. Benefit Re was built specifically to back First Choice Health Plan, because no existing carrier would offer qualifying employers a guaranteed premium savings.
03
How we back First Choice
Benefit Re underwrites the stop-loss and policy structure that makes First Choice's premium guarantee possible. Reinsurance from institutional partners provides the financial depth.
Plan shopping
Looking for a health plan?
Plan details, savings guarantee mechanics, and quoting live on the First Choice Health Plan site, the product Benefit Re backs.
Common questions
Answers before you ask.
The questions employers and HR teams ask most when evaluating a fully-funded plan.
Ask something elseSelf-funded with the risk removed. A stop-loss policy covers all claims above the premium amount, so cost is fixed and exposure is capped: the economics of self-funding without the financial volatility. First Choice Health Plan is fully-funded.