North Star Health offers our clients two pricing options. Each of the pricing options below requires a minimum three year contract. Overall, our pricing is structured to drive multi-year cost containment and appropriately align the incentives of all of the key stakeholders.
 

Traditional model — per member per month fee by service

Optional advanced funding mechanism — 3-year loan to fund maximum fixed and claims expense liability

1. Benefits
   a. Predictable monthly payment
   b. Three-year triple A rated loan w/low interest rates put into a trust account
   c. Trust account earns a return
   
2. Managing health care costs, which are extremely volatile and increasing annually at double-digit rates, is one of the most challenging problems facing employers today. The Dryden Advanced Funding Models offer an effective solution to the problem. The Models are a triple A rated (by Moody's and Standard and Poor's) financial and risk management structure, which includes an advanced funding transaction, the main purposes of which are to quantify an organization’s future health care or Workers’ Compensation liability and financial risks (using one of the most sophisticated and accurate health care cost models available today) and pre-fund such liability, by using available cash flows and off-balance sheet financing to convert volatile and unknown variable future costs into a fixed cost obligation. The Models eliminate the volatility of these costs by creating a fixed monthly expense for the next 36 months. The Models also produce significant savings and/or a cash flow opportunity for the employer, as well.