Self-Funded Plans

Take greater control over one of your largest expenses. M&T Insurance Agency's seasoned professionals can help you design, manage and implement all of the components of a self-insured health plan.

The Support You Need to Make Self-Funding Possible

When it comes to employee health benefits, companies may choose self-funded (or self-insured) plans as an alternative to fully insured solutions, which are more heavily impacted by rising health care costs and taxes. Instead of contracting with an insurance carrier, self-funding gives you the flexibility to design a plan that meets employee and organizational needs, and allows for cost-controlling adjustments along the way.

The idea of a self-funded health plan can be intimidating due to the complicated process of implementing and maintaining it – but with M&T Insurance Agency, Inc. by your side, you can enjoy the benefits without the worry.

How We Can Help

Our professionals efficiently handle the many details of launching this funding arrangement – and then use ongoing claims analytics to help you proactively manage costs and risk exposures. Our services include:

  • Plan design and implementation
  • Claims data analysis
  • Claims risk management
  • Tax guidan​ce

Our understanding of these areas helps you create and maintain a plan that gives you greater control of details, expenses and taxes. With M&T Insurance Agency's help, the self-funded route is obtainable, manageable and may improve your bottom line.

​Schedule your complimentary due diligence review.

We offer a complimentary Due Diligence Review, a comprehensive six-step process for assessing your insurance needs and recommending solutions that get results. Additionally, we can assist you with finding and implementing health risk mitigation programs, which can help to recommend additional strategies to encourage your employees to stay healthier – seeking to contain or reduce costs. Call us at 1-800-716-8314 or contact an Insurance Specialist online.

Insurance Products offered are: NOT FDIC Insured • Not a deposit in, obligation of, nor insured by any federal government agency • Not guaranteed or underwritten by the bank • Not a condition to the provisions or terms of any banking service or activity.
Insurance products are offered by M&T Insurance Agency, Inc., not by M&T Bank. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.
The content of this page is for informational purposes only. It is not designed or intended to provide financial, tax, legal, investment, accounting, or other professional advice since such advice always requires consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.