Administrative Services Only (ASO)

What is ASO?

With an ASO plan, you take control of your employee benefits. You fund claims as they occur, rather than paying a fixed premium to an insurance company. This allows you to customize every detail of the plan — from what's covered to how much you reimburse — while only paying for actual usage.

We handle all the admin through our trusted TPAs, ensuring compliance, claims management, and reporting are taken care of. ASO is best suited for companies with a stable, predictable claims history who want more control and potential cost savings over time.

Complete Customization

Design every aspect of your plan to fit your needs

Pay Only for Actual Usage

Fund claims as they occur, not fixed premiums

Professional Administration

Full admin support through trusted TPA partners

How ASO Works

You're in control, we handle the details

Design Your Plan

Customize coverage levels, deductibles, and benefits

Employees Use Benefits

Claims are submitted through normal channels

TPA Processes Claims

Professional administration and adjudication

You Pay Actual Costs

Fund only the claims that occur

What We Handle for You

Claims Management

Professional adjudication, processing, and payment of all claims

Compliance Oversight

Ensure your plan meets all regulatory requirements and standards

Detailed Reporting

Comprehensive reports on claims, utilization, and plan performance

Employee Support

Customer service and support for your employees

What You Control

Plan Design

Complete control over what's covered and reimbursement levels

Cost Management

Pay only for actual claims, no wasted premium dollars

Plan Adjustments

Modify benefits and coverage as your needs change

Full Transparency

Complete visibility into where your money is going

Is ASO Right for You?

ASO works best for certain types of organizations

Stable Claims History

Organizations with predictable, manageable claims experience over time

Desire for Customization

Companies wanting to tailor benefits to their specific workforce needs

Cost Savings Focus

Organizations looking to reduce benefit costs while maintaining quality coverage

ASO Benefits

Pay only for actual claims
Complete plan customization
Full transparency and reporting
No insurance company profits
Potential cost savings

Traditional Insurance

Fixed premiums regardless of usage
Limited customization options
Limited claims transparency
Insurance company overhead
Premium increases based on claims

Take Control of Your Benefits Costs

Discover how ASO can provide better value and control for your organization.

Explore ASO Options Call: 1-888-676-4689

Administrative Services Only (ASO)Take Complete Control of Your Benefits