Group Health Plans
  Midwest Group Benefits provides two basic types of health plans:
   Fully insured health plans can be provided from a number of quality carriers. The proper plan for you depends on your location, type of plan you desire and the flexibility you need. With the fully-insured approach to health insurance you pay a premium which includes administration, reserves, company profits, claims and carrier fees. 
   Self-funded health plans work well for employers with more than 50 employees in any state. We can administer a self-funded health plan that is protected with re-insurance for large claims. Unlike the fully-insured plan, you only pay for claims incurred, administrative fees and reinsurance premiums. For cost effectiveness and outstanding employee service, this approach is hard to beat. 
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 Managed Care
  Midwest Group Benefits contracts with ENCOMPASS to help our clients effectively manage the quality and cost of their health benefit program.

Encompass is a stable and reliable health care management organization with a long history of proactive business partnerships with employers, health trusts and insurance companies nationwide. A wholly-owned subsidiary of the Iowa Foundation for Medical Care (IFMC), ENCOMPASS was founded in 1985 in response to employers seeking management of rising health care costs.

ENCOMPASS provides managed care services to over 4.5 million covered lives represented by more than 90 clients – helping them achieve significant savings and improvement in quality of care. Their clients include self-insured employers, health and welfare trusts, school districts, municipalities, insurance companies and third party administrators.

If you would like more information on ENCOMPASS, please visit their website at: www.encompas.com
 Pharmacy Management
  Midwest Group Benefits also contracts with CVS/Caremark to provide our clients with a cost effective solution to pharmacy benefits.

CVS/Caremark is a publicly traded pharmacy benefit management company which offers retail networks, on-line claims adjudication, mail service pharmacy, formulary and rebate management & clinical and disease management programs.

The feature that makes CVS/Caremark unique among other PBM’s is their independence, which allows them to design solutions for their clients based upon the most clinically effective, “best of class” products, with no ulterior motives. This unbiased approach, coupled with their clinically driven analytical decision support systems and superior service clearly are the strengths of their products.

CVS/Caremark provides a network retail pharmacy listing to plan members in a hard copy directory during initial enrollment. Members may call CVS/Caremark’ ‘800’ customer service number or access CVS/Caremark’ Internet Website www.caremark.com for the CVS/Caremark pharmacy network locator.