ORGANIZATIONS
ORGANIZATIONS
LABOR UNIONS
Experienced partner with a proven track record of saving millions for union health plans
At Memberly, we understand the complexity of managing multi-employer health plans and have helped stabilize costs while improving benefits for union members and their families.
Operating a union health plan requires a deep understanding of financial variables and cost drivers this is where Memberly provides real value.
At Memberly, we’ve worked with unions facing multiple underlying issues that demand immediate and strategic action, including cost overruns, claim backlogs, IDR disputes, escalating premiums, and rising stop-loss expenses. Our mitigation strategies have included PPO network restructuring, implementation of tiered plan models, renegotiation of TPA fees, and other targeted steps designed to stabilize finances and restore long-term plan sustainability.
Two-Tier Health Plan Design Feasabiity Study
Memberly can provide a full feasibility and savings analysis to determine whether a two-tier structure makes sense for your fund. Most unions are large enough to meet the minimum requirements for direct hospital contracting, creating a long-term advantage over traditional PPO-only models. Partnering with regional hospital systems can reduce total self-funded plan costs by up to 10%, depending on the area and stop-loss rating, while improving care access and pricing stability.
Stop-Loss Review, Negotiation, and Marketing
Memberly works with union health and welfare funds to market and negotiate competitive stop-loss coverage that reflects actual plan performance — not inflated carrier assumptions.
Through data-driven analysis, we help funds secure lower specific and aggregate premiums, review policy terms for accuracy, and align coverage with current claims experience. This proactive approach ensures long-term protection and pricing stability for the plan and its members.
Two-Tier Health Plan Design Feasabiity Study
We evaluate and enhance existing cost-containment programs to hold premiums steady while maintaining comprehensive benefits. Memberly’s process includes reviewing repricing arrangements, utilization patterns, pharmacy programs, and wellness incentives to identify measurable savings.
Our goal is to preserve member coverage and improve plan efficiency without reducing quality of care.
Two-Tier Health Plan Design Feasabiity Study
Memberly partners with union health funds to ensure full transparency and accountability across TPA operations. We conduct in-depth reviews of claims adjudication, fee structures, and administrative practices to confirm accuracy and fairness.
Our team assists with claims backlogs, error resolution, and mitigation planning — helping trustees regain control over plan administration and restore confidence among members.
