Alternative Funding Strategies –
Why You Should Explore Level Funding

Level funding is an alternative funding strategy for employee benefits programs that provides a group with stable premiums more insight into what is driving their costs. The tool examines claims experience and targeted wellness programs to ensure clarity on where premium dollars are being spent. Ultimately, with more transparency comes the opportunity to receive a refund for overpaid premiums when claims are less than expected.
Join MMA and Cigna’s Kurtis Hingston as we dive into the concept of ‘level funded’ benefits programs, how they differ from the fully-insured marketplace, and how they can bring value and insight to your organization’s health benefits programs.

Featured Presenters:

Kurtis Hingston
Cigna Healthcare
Kurtis Hingston has been with Cigna Healthcare for over 10 years, specializing in working with self-funding solutions for clients in the small to mid-market employer space.



Erin Chisdak
Marsh & McLennan Agency, Client Executive, Employee Health & Benefits Division
Erin Chisdak joined Marsh & McLennan Agency LLC (MMA) as a client executive in 2015 with five years of experience in employee benefits consulting. Erin employs her expertise in employee benefits to provide leading-edge solutions for small to midsize companies. She also specializes in guiding her clients through compliance issues. With a sincere understanding of the challenges facing business owners, Erin works to develop a strategy that will meet the needs of her clients by providing the tools to ensure a competitive benefits plan is offered to their employees.