What We Do

Reference Based Pricing (RBP) Model

Your plan pays at a rate of 140% of Medicare, instead of paying out at inflated provider charges, which typically range from 200-240% of Medicare.

Flex Network

XO Health has created a way for you to see any provider you choose – whether they are listed as “in-network” or not.

24/7 Customer Intake Line

Our customer service intake line is available to you 24/7 every day of the year.

24/7 Customer Intake Line

Our customer service intake line is available to you 24/7 every day of the year.

Legal Support

Hospital bills will be referred to Koehler Fitzgerald and Aequum. As a top-rated law firm, they negotiate with the provider on your behalf until the RBP rate of 140% of Medicare is accepted. Their services are 100% covered by your plan.

The Benefits

Healthcare can be simpler. It can be more cost-effective. And it can be better.

FLEXIBILITY

Flexibility Change out components of the plan if goals or needs change.

TRANSPARENCY

See how money is being spent within the plan.

Trustworthy

Trustworthy Know that we are looking out for you and your employees in everything we do.

Reliability

Ensure that you can offer your employees the same great benefits and the same contribution levels.