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Aligned Incentives

Processor & Consultant

• ClaimLinx operates as both a Claims Processor and a Consulting Firm.
• Unlike traditional brokers, we don’t rely on carrier commissions, we earn fees based on the savings we generate.
• This means we have skin in the game and always work to reduce costs while improving benefits.

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2-Step Process

Simple & Powerful

• Step 1: Primary Carriers�We leverage major primary insurance carriers to set up the base plan with well-known national brands.
• Step 2: Secondary MERP�Implement a Medical Expense Reimbursement Plan (MERP) to customize deductibles and maximize savings.

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Ongoing Support

Plan Management

• Once the plan is set up, we actively manage it to ensure maximum cost savings.
• Our team services employees directly to ensure they receive care without financial burdens.
• We constantly optimize and seek new savings opportunities to keep costs down long-term.

Now, let’s dive into the specifics of how this works!

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Stop Loss Coverage

Protects the plan against catastrophic or unexpectedly high claims, capping the employer's ultimate financial liability.

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Provider Network

Gives employees direct access to a broad, pre-negotiated network of medical professionals, hospitals, and specialty clinics.

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Section 105

Self-funding vehicle using section 105 of federal tax code

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Better Benefits

Provides ability to offer better benefits underneath primary

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Claims-Based

Pay only if and when claims come in

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Fully Adjustable

Adjustable at any time

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Business Fund

At the end of the year, any funds left in the MERP are yours.

Card 1: Primary

Primary Carrier Card

Your main medical insurance card provided by your primary health insurance plan sponsor.

When to use this card

• Present first to the provider for network verification
• Determines primary eligibility and network discounts
• Establishes your standard insurance record

Card 2: Secondary

ClaimLinx Secondary Card

The Medical Employer Funded Plan card designed to cover secondary out-of-pocket costs.

When to use this card

• Present alongside your primary card at checkout
• Instructs provider to submit claims for copays and deductibles
• Ensures the employer funded plan offsets your upfront costs

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Responsibility

Employer

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Primary Carrier

Responsibility

App Based Health Care

• Gives employees near immediate direct access to a comprehensive network of physical and mental health providers.
• Support you need anytime you need it.
• Covers the whole family until kids turn 26 for $32 a month.

Helps Employees Control Costs

• It saves your employees to use it too! The more they do, the fewer co-pays they have to pay.
• They don’t have to take sick days to go to a doctor.
• Urgent care rarely needs to be utilized. Even 40% of emergency room visits can be avoided.

Cost Containment

• The more your employees use Amaze instead of their primary insurance, the more money remains in your MERP.
• They get stronger health care support.
• You pay fewer claims.
• You can add it from the start OR when you see MERP Utilization on the rise.
• Cancel if not being utilized by your employees. The only downside? Can’t renew for 12 months.

Pre Tax Benefit via MERP

• Employers can offer the benefit that helps them to retain staff through their MERP on a Pre-Tax basis.
• More savings, Better benefits.

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1. The Real Problem

Most health plans bundle network access, claims cost, and carrier profit into one fixed premium — and that premium rises every year, whether a group is healthy or not.

Shopping between carriers just delivers the same structural problem with a different number attached.

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2. Why Nobody Fixes It

Most brokers earn commission based on total premium, so a bigger premium means a bigger paycheck for them.

That leaves little incentive to design a plan tailored to a company's actual needs — it's simply easier to shop the same bundled model and call it a renewal.

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3. How ClaimLinx is Different

We get paid based on how much you actually save — not how big the premium is. That flips the incentive entirely:

• Same PPO network, deductibles, & copays you already have
• Pay real claims cost instead of inflated flat premiums
• 25%+ average savings from smarter plan design

Educational Meetings

We hold educational meetings to explain key concepts:

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1. Calculate Your Savings

Find out how much your organization can save on healthcare costs using the customized ClaimLinx Savings Calculator.

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claimlinx.com/claimlinx-savings-calculator-with-miya

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**Amaze Health Savings are not included in this calculator.

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2. Schedule Consultation

Book a direct 30-minute consultation with Miya Jankowski to go over your options and receive personalized guidance.

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calendly.com/mjankowski-claimlinx/30min

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Important: Tell them ECEA sent you!

We are actively tracking savings and engagement data for the child care industry, and we will reach out later to hear about your experience.