Healthcare Funding Solution

Healthcare costs continue to create uncertainty for employers and plan sponsors. Our partner plan delivers a proprietary funding solution designed to help organizations stabilize healthcare expenses, improve cash flow, and create long-term financial predictability.

Through a strategic three-year funding platform, this program helps convert variable healthcare costs into manageable, fixed financial structures. This approach enables employers to reduce exposure to unexpected claims volatility while improving planning, budgeting, and reserve management.

While each program delivers value independently, together they provide employers with a comprehensive strategy—supporting employee wellness through preventive care while creating greater financial stability and predictability for the organization's healthcare spending.

Rubicon Cost Reduction Powered by Patriot Preventive Care

Rubicon Cost Reduction, powered by Patriot Preventive Care, is a structured, prevention-focused supplemental benefit designed to support employee health, engagement, and long-term wellness. Built on clinically grounded practices, the program complements your existing health plan by encouraging preventive care, early intervention, and healthier lifestyle habits.

By taking a proactive approach to wellness, employees receive support that helps improve health outcomes while promoting greater participation in their overall well-being. This can contribute to a healthier, more productive workforce and a stronger workplace culture.

Investing in employee wellness also strengthens recruitment and retention efforts. Offering meaningful benefits demonstrates a commitment to your team, helping attract top talent, improve employee satisfaction, and build a more engaged workforce for the future.

Healthcare Funding Solution Partner Program

Why this Partner Program

The bottom-line advantages of implementing the partner program are numerous.

Three-year healthcare cost stabilization
platform
Improved cash flow and reserve positioning
Reduced exposure to unpredictable claims volatility
Strategic planning support for self-funded and fully insured plan
sponsors/employers/labor organizations
Proprietary modeling designed to enhance long-term financial certainty
Custom funding structures aligned with employer objectives
Founders have been running 3-year, Predictable payment program since 1996

Highlights of our Partner

The partner Funding Model uses proprietary software to design and help eliminate uncertainty by projecting and implementing a fixed health care cost for a Plan Sponsor for
the next three years, while alleviating under-funded liabilities.

$4.5 Billion in Financed Premium thus far
AAA Rated by Standard & Poor’s, Moody’s
and Fitch
Can take multiple clients on each monthly Effective Date
It is NOT a Captive program; it is NOT a
Multiple Employer Welfare Arrangement
(MEWA)
No Financial underwriting for the client/plan sponsor
Note is fully collateralized after the 1
month’s premium payment

Rubicon Cost Reduction Powered by Patriot Preventive Care

How the Program Works:

The program is designed for simple implementation and ongoing engagement, integrating smoothly into existing payroll and benefits systems while providing employees with an easy, structured way to participate in preventive care. From setup through ongoing reporting, the process is streamlined to minimize administrative burden while maximizing impact and visibility.

Plan Setup

Structured cafeteria plan integration aligned with your existing payroll and benefits
Seamless configuration with no disruption to current plans

Employee Enrollment

Streamlined onboarding with clear communication and opt-out flexibility
Tax-advantaged participation based on individual circumstances

Monthly Engagement

Employees complete a preventive care activity each month through a guided health platform
Activities are clinically aligned and designed to promote early intervention

Ongoing Reporting

Clear analytics and measurable program visibility
Streamlined reporting

Preventive Care & Support Services

The program offers a comprehensive suite of preventive care and support services designed to help employees take a proactive approach to their health and well-being. By providing convenient access to care, wellness resources, and personalized support, employees are empowered to make healthier choices, address concerns earlier, and build sustainable habits that contribute to long-term wellness.

Virtual Primary & Urgent Care
Registered Nurse Health Coaching
Behavioral Health & Lifestyle Planning
Nutritional Counseling & Support
Smoking Cessation Programs
Chronic Disease Prevention & Management
Access to Select No-Cost Prescription Programs
Work Shield — Streamlined workplace harassment and misconduct reporting through resolution
Preventive Care Engagement Tool
Personalized Health & Wellness Guidance

For Employers

This program provides organizations with a strategic approach to enhancing employee benefits while supporting workforce wellness and engagement. By offering meaningful, prevention-focused solutions, businesses can create a stronger employee experience while gaining valuable insight into program performance and outcomes. Key advantages include:

Strengthening recruitment and retention through differentiated employee benefits
Supporting a healthier, more engaged workforce
Dedicated implementation support and analytics
Potential payroll tax efficiencies when properly structured and administered
Transparent reporting with measurable program visibility

What Employees Receive

Employees gain access to a range of services and resources designed to support overall well-being and make maintaining good health more convenient and achievable. The program focuses on preventive care and meaningful engagement, helping employees build healthier habits while fitting wellness support into everyday life. Key benefits include:

Access to comprehensive preventive care and wellness services
Virtual care, behavioral health, and everyday support
Tools designed to encourage more proactive, preventive health behaviors
Meaningful health engagement that fits into busy schedules
Opportunity for tax-advantaged participation based on individual circumstances

Smarter Healthcare Funding Strategies

Our partner's healthcare funding model is designed for organizations seeking a more predictable and sustainable approach to healthcare funding. By combining structured financing, reserve management, and data-driven projections, the program empowers plan sponsors to create stability in an increasingly volatile healthcare environment while supporting strategic financial planning, preserving liquidity, and improving operational flexibility.

The Rubicon Cost Reduction program encourages earlier engagement with preventive care resources while expanding access to convenient care alternatives that fit employees' needs and schedules. By promoting the use of appropriate care settings, they may help shift low-acuity utilization away from the core medical plan, supporting more efficient use of healthcare services. Over time, this proactive approach can contribute to an improved claims experience and stronger renewal positioning for the overall benefits strategy.

Schedule a no-cost consultation to evaluate which program—or combination of programs—is the best fit for your organization. There is no obligation—just a clear, informed conversation about your options.

Let's Connect

phillip@rubiconcostreduction.com

Phone: (480) 269-8297

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