Discover greater flexibility
and cost savings
on medical benefits
for your Louisiana Business.

Quality hospitals. Quality doctors. Same benefits. All for less.

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Welcome Business Owners and Executives

Verity HealthNet of Louisiana has partnered with Cielostar to bring a comprehensive, alternative medical insurance option to employers in our community. They’re called level-funded, self-insured medical plans. They bring the comprehensiveness of a traditional self-funded or fully-insured plan – but at a fraction of the cost and without the risk of higher-than-anticipated claims. Powered by the network of Verity HealthNet you’ll have access to quality hospitals, quality doctors and the same benefits. All for less.

More and more small businesses have been moving to level-funded plans over the last several years -- particularly as there’s an opportunity to not only offer comprehensive coverage to your employees at a cost-effective price on a monthly basis, but to potentially capture additional savings through reimbursement of unused claims. Quality hospitals. Quality doctors. Same benefits. All for less.

Get your complimentary quote today.



Powerful provider network. Flexible plan options. So you can best serve the benefits needs of your employees.

CieloStar’s level-funded self-insured plans give you the flexibility in plan options and the right network to ensure that your employees are covered with comprehensive and affordable plans. Partnering with Verity HealthNet you’ll have access to top-notch care in your community – allowing you to keep the same doctors, at the same hospitals.

Long have small and ultra-small groups been forced to pay for expensive fully or self-insured plans that cost their businesses financially or opt to not offer coverage altogether, having a negative impact on employee retention and the health of their businesses. Now, small groups have a great opportunity to better meet these needs through level-funded, self-insured health plans – powered by CieloStar. Here are several of the key features of these plans:

Key Benefits How it Works
Proprietary technology Integrated and easy-to-use quoting and underwriting platform.
Financial strength 15-20% savings in first year compared to fully-insured plans. Portion of unused funds returned to employer at end of year.
Powerful industry relationships allow for unique plan design. ERISA plans created specifically for small employers, no participation requirements down to five enrollees.
Experienced leadership team Decades of experience solving unique benefits and administration challenges of small businesses gives you peace of mind your employees will be covered.

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Benefits


Customize Plans

Customize your health plan based on your employees needs. With CieloStar, your company has the freedom to choose from a unique suite of products.

Large Claims Protection

Protect your Business from large claims with an aggregate-only cap.

Secure Platform

View and manage your selections with a single sign-on. Multiple levels of access are readily available – easily customize settings based on role. Employees, your HR department…even your insurance broker can connect!

We have put together a complete solution for your small business and community hospitals

Employers in Louisiana

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Brokers Gain Access to Untapped Revenue
in the Small Group Market

The small and ultra-small group market has often been a challenging one for brokers to effectively target and add value. With the recent popularity in level-funded plans, that has started to change. Level-funded products are a form of self-insured health plans, but with the added mitigation of claims risk through stop-loss coverage – or reinsurance – covering excessive claims, so employers don’t have to.

Long have small and ultra-small groups been forced to pay for expensive fully- or self-insured plans that cost their businesses financially – or opt to not offer coverage altogether, having a negative impact on employee retention and the health of their communities. Now, brokers have a great opportunity to better serve these organizations and ultimately gain access to untapped revenue in a downstream, traditionally underserved market.

The keys to an effective level-funded offering? The right product, through the right distribution, administered by the right technology.


Several key benefits for brokers:

  • Verity HealthNet of Louisiana, in partnership with CieloStar, has created and made available an ERISA health product available in all 50 states.
  • This program makes available all Affordable Care Act plan to Employers down to 5 employees.
  • Quoting, binding, and contract issuance including employee health benefits cards is electronic – making it easy for you and your employees.
  • Verity HealthNet and CieloStar's MGAs are provided with a portal for quoting, binding and issurance.
  • Quotes are instantaneous.
  • Competitive rates, generally ~20% below current market.

    • Plan Attribute How it Works
    Underwriting using personal health questionnaires (PHQs) • All enrollees must complete PHQs. Only those underwritten may be on plan at inception.
    • Undewriter reviews PHQs and provides rates based on health of population.
    • Unlike larger organizations, there is no negotiation – healthy populations are the best candidates for plans.
    Recurring underwriting throughout year • New hires can join the plan throughout the year, as long as they complete the PHQ.
    • If participation increases or decreases by more than 10%, or group falls below 5 lives, re-underwriting will occur.
    • Renewals are processed 60 days prior to renewal date and are based on claims history and new hire PHQs.


    Contact us to learn more about CieloStar’s level-funded, self-insured products – and how you can start selling more today.

    Learn more about the CHAMP program for brokers, and the network of Verity HealthNet.