Angle Health

  • Updated

About Angle Health

Available Products: [Level Funded] Medical
Rates: Underwritten
Available: in 46 States 

Not Available: AK, CA, MA, NY

Network: Cigna PPO (Aetna ASA PPO coming to PerfectQuote soon)

Data Needs (Required for enrolled employees & dependents):

  • First & last names
  • Date of birth and sex (Male/Female)
  • Home zip code
  • Enrollment tier (EE, EC, ES, Fam) & plan selection
  • Group Thresholds

What makes Angle Health unique in the level funded market?

Angle Health is revolutionizing the level funded health insurance space as the only carrier solution offering near-instant, firmly underwritten level funded health plans available on Perfect Quote. Unlike traditional carriers that require weeks of underwriting and manual processes, Angle Health provides:

Instant Firm Quotes:

  • Real-time underwriting through our proprietary technology platform
  • Firm quotes in seconds - no preliminary pricing or lengthy underwriting delays
  • Binding coverage available immediately upon acceptance
  • No post-quote surprises - what you quote is what you get

Flexible Contract Terms:

  • 12/24 contracts for standard implementations
  • Mid-year effective dates with deductible credits

Perfect Quote Integration:

  • Seamless census upload with instant rate generation
  • Multiple plan option comparisons in real-time
  • Network selection tools to optimize provider access
  • Automated proposal generation for immediate client presentation

Industry Leading Underwriting Transparency via Health Scorecard: 

  • Employer Risk Assessment Tool - Provides data-driven insights into group health profiles and projected utilization patterns to help employers understand their workforce's health risks and cost drivers before selecting a plan
  • Transparent Cost Projections - Delivers clear, actionable analytics on expected medical spend, pharmacy utilization, and potential cost savings opportunities specific to each employer group's demographics and claims history
  • Competitive Advantage for Brokers - Automatically generated with each quote to give brokers a powerful differentiator when presenting Angle Health proposals, demonstrating sophisticated underwriting capabilities and commitment to transparency in level funded arrangements

 

FAQ

How does Angle Health's technology advantage work?

Angle Health leverages advanced actuarial modeling and real-time data processing to deliver what traditional carriers cannot:

Automated Underwriting Engine:

  • Demographic analysis processes age, location, and industry risk factors instantly
  • Predictive modeling uses anonymized claims data to assess group risk
  • Network optimization automatically selects best-fit provider networks
  • Stop-loss calculations generate precise specific and aggregate coverage levels

Proprietary Platform Benefits:

  • No manual intervention required for standard group sizes (2-100 employees)
  • Instant plan design with multiple deductible and copay combinations
  • Real-time network pricing across all available provider options
  • Automated compliance checking ensures all quotes meet state requirements

Broker Efficiency Tools:

  • One-click quote generation from Perfect Quote platform
  • Side-by-side comparisons of multiple Angle Health plan options
  • Instant proposal creation with professional formatting
  • Direct client delivery through integrated communication tools

What sets Angle Health apart from traditional carriers?

Speed & Efficiency:

  • Traditional Carriers: 2-4 weeks for preliminary quotes, 4-8 weeks for final underwriting
  • Angle Health: Firm quotes in under 2 minutes, binding decisions in minutes

Underwriting Certainty:

  • Traditional Carriers: Preliminary pricing subject to change after medical underwriting
  • Angle Health: Firm, bindable quotes with no post-submission adjustments on the same census

Technology Integration:

  • Traditional Carriers: Manual processes, limited platform integration
  • Angle Health: Full API integration with Perfect Quote and customizations available off platform

Contract Flexibility:

  • Traditional Carriers: Rigid 12-month terms with limited mid-year options and limited runout
  • Angle Health: 12/24 contracts, with flexibility for long and shorter duration contracts; always 12 months of runout

Who is behind Angle Health?

Angle Health was founded by healthcare and technology veterans with deep experience in:

  • Health insurance innovation and product development
  • Actuarial science and risk management
  • Healthcare technology and data analytics
  • Regulatory compliance across multiple state markets

Financial Strength:

  • Balanced Insurance Company of Utah (BICU) - Our licensed insurance entity
  • Venture-backed with significant capital reserves
  • Reinsurance partnerships with established A+ carriers
  • Growing market presence across nearly all states

Technology Leadership:

  • Proprietary underwriting platform built specifically for level funded plans
  • Real-time claims processing and member management
  • Advanced analytics for risk assessment and pricing
  • Seamless integration capabilities with broker and employer systems like Employee Navigator

Plan Structure & Stop Loss Carriers

What is Angle Health's level funded plan structure?

Angle Health provides employer self-funded health plans with level-funded premium arrangements. Each employer maintains their own individual ERISA plan with Angle Health’s wholly owned subsidiary, Adrem Administrators, serving as the Third Party Administrator (TPA). 

Which carriers does Angle Health work with?

Angle Health partners with multiple fronting carriers including:

  • Companion Life Insurance Company (A+ rated)
  • Old Republic Insurance Company (A+ rated)
  • Benchmark Insurance Company (A rated)

Risk is ceded from these fronting carriers to Balanced Insurance Company of Utah (BICU), Angle's own licensed insurance company, providing additional financial stability and regulatory clarity.  

How does the stop-loss coverage work?

Each employer receives their own individual stop-loss insurance policy from our fronting carriers, with risk ultimately transferred to Balanced Insurance Company of Utah through reinsurance arrangements. This maintains individual employer plan integrity while providing sophisticated risk management.

All stop loss policies issued for Angle Health’s level funded policies meet state minimum requirements for eligible employees, aggregate and specific requirements and include 12 months of runout.  (Typical contract is 12/24, 100% aggregate attachment point, with a 10% claims fund surplus refund opportunity)

Network Options

What provider networks are available?

Angle Health offers access to multiple national and regional networks:

National Networks:

  • Aetna ASA PPO - National PPO coverage with strong brand recognition
  • Cigna Choice Fund PPO - Access to one of the largest national networks
  • First Health PPO - Broad access to providers and facilities with flexible contract terms
  • Nomi Health - Transparent pricing and direct provider relationships in specific regions, where no member cost shares apply to in-network Nomi providers

Can employers offer multiple plan options?

Yes, Angle Health supports dual-plan offerings, including:

  • HDHP (High Deductible Health Plan)
  • Traditional PPO
  • Three-Tier High Performance Plans available with Nomi Health

Plan Benefits & Coverage

What medical benefits are covered?

Angle Health level funded plans include comprehensive medical coverage with:

  • Preventive care services (enhanced coverage available)
  • Inpatient and outpatient medical services
  • Specialist care and referrals
  • Emergency and urgent care
  • Prescription drug coverage
  • Mental health and substance abuse treatment

Standard Plan Designs Available on Perfect Quote available here.

For custom plan designs, please reach out to your local sales representative or sales@anglehealth.com.  Angle Health supports full customization of all member cost shares for plan designs regardless of group size.

What services are not covered?

Key exclusions include:

  • Cosmetic surgery (unless for accident repair, congenital defects, or infections)
  • Experimental/investigational treatments (unless approved for specific uses)
  • Alternative medicine (homeopathy, acupuncture, yoga, massage, etc.)
  • Custodial care (maintenance/rest care)
  • Occupational injuries (covered under worker's compensation)
  • Infertility treatments (except diagnostic procedures)
  • Weight loss drugs and anti-aging medications

For a complete list of exclusions, please review the specific SBC for each plan option.

Are there ambiguous or high-cost benefits that require special approval?

Yes, certain benefits may require prior authorization or case-by-case review:

  • Bariatric surgery (gastric bypass, lipectomy)
  • Organ transplants (donor costs may have limitations)
  • Advanced imaging (MRI, CT, PET scans)
  • Injectable specialty drugs (may require step therapy)
  • Air ambulance services (emergency coverage only)

Quoting & Implementation

How do I quote Angle Health plans outside of Perfect Quote? 

(for complex cases)

Option 1: Benefit Builder Self-Service 

  • Access our online quoting platform through request to sales@anglehealth.com
  • Upload member-level census
  • Generate quotes for different plan options
  • Receive automated proposals

Option 2: RFP Process

  • Submit complete RFP through your sales representative or sales@anglehealth.com
  • Include detailed employer and employee information
  • Receive customized proposals within 1 business day

What information is needed for quoting?

Employer Information:

  • Company name and address
  • SIC code and industry classification
  • Number of full-time employees (FTE)
  • Current carrier and renewal date

Employee Census Data:

  • Employee zip codes and ages
  • Coverage tiers (employee, spouse, family)
  • Current plan enrollment numbers
  • Desired effective date

What is the typical implementation timeline?

  • Standard Implementation: 72 hours from sold case submission for digital ID cards

Advocacy Program

What is Angle Health's Advocacy program?

Advocacy is Angle Health's innovative cost containment program that identifies high-cost members and provides enhanced support through:

  • Concierge advocates for personalized assistance
  • Physician advocates for clinical coordination
  • Foundational assistance programs for high needs individuals
  • International drug sourcing for high cost medications

Continued innovation in this program coming to bring infusion therapies, surgery programs and alternative prescription drug procurement options for further member and plan savings

This program helps manage high-cost claims while ensuring members receive comprehensive care.

Regulatory & Compliance

Is Angle Health compliant with state insurance regulations?

Yes, Angle Health's structure ensures compliance through:

  • Licensed insurance company (Balanced Insurance Company of Utah) as ultimate risk bearer
  • Stop loss paper through highly rated carriers including Companion Life Insurance Company (A+) and Old Republic Insurance Company (A+)
  • Individual employer plans that avoid MEWA classification
  • State-specific compliance in all operating markets
  • ERISA plan administration maintaining employer plan sponsor role

What states does Angle Health operate in?

Angle Health currently has membership in all 50 states and allows for employer domicile and quoting in all states but California, New York, Massachusetts and Hawaii

Support & Service

What ongoing support does Angle Health provide?

For Brokers:

For Employers:

For Members – careteam@anglehealth.com, +1 (855) 937-1855

  • 24/7 member services via email and chat
  • Claims assistance and appeals support
  • Provider network navigation

How are network changes handled?

Angle Health proactively monitors network changes and:

  • Identifies substantial network changes monthly
  • Analyzes member impact based on utilization history
  • Sends targeted communications to affected members
  • Provides alternative provider options
  • Ensures compliance with network adequacy requirements

Underwritten State Guidelines

Angle Health Underwriting Guidelines 2026.jpg

 

This FAQ is regularly updated. For the most current information, please contact your Angle Health representative or visit our broker resource center.

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