How does an ASO plan differ from a traditional plan?
A. The most dramatic difference is the “un-bundling” of a typical benefit plan. An ASO plan separates the insurance component from the claims component. Insurance is placed with a competitive carrier while health and dental claims go directly to the adjudicator.In traditional plans a carrieracts as a retail distributor for health and dental claims. In an ASO plan your health and dental claims are adjudicated atwholesale level.
