Higher level care.
Lower costs.
Welcome to Excelsior Higher Care!
Where Compassion Meets Innovation.
We are a health-caring company that provides all-in Level-Funded, Partially Self-Funded and Self-Funded programs for Employers and Members.
We partner with Best-In-Class Benefits Brokers and Consultants, who are passionate about offering their clients superior health plans at the most cost-effective rates.
Excelsior health plan premiums are normally 40-50% less than national averages.
Innovative Care, Exceptional Results.
Nationally, medical costs are rising annually because legacy carriers use limited networks and restrictive provider contracts that fail to capture the savings available. This is the most expensive way to pay for medical care. We do MUCH better!
Through personalized care coordination, negotiation of medical and drug costs, and quarterly plan performance reviews we can ensure the stability of premiums and shared costs.
Our long-term clients have performed well within our plans and have enjoyed an average of only 2.5% premium increase over the last six years. We secured an 85% overall reduction in billed charges in 2024 – and saved our clients $27 million.
Here is how you can save with an Excelsior group health plan.
Premium Comparison
Platinum Health Insurance Plans ($0 Deductible)
Sources: How Much Does Health Insurance Cost In 2025?, Forbes Advisor; 2024 Employer Health Benefits Survey, KFF; Tracking the rise in premium contributions and cost-sharing for families with large employee coverage, Health System Tracker.
Claims Denial Rates of Four National Health Insurers and Excelsior Higher Care
Source: Insurance Claim Denials: Worst Companies, Value Penguin.
Advantages of an Excelsior Higher Care Plan:
► No Member Costs for Most Services
► Real Patient Advocacy – Live Human Team seated in Texas
► 24/7 Concierge Virtual Care
► Open Access to Providers and Hospitals
► Transparent Rx Pricing that Benefits Members
Interested in Learning More?
Would you like a Renewal Quote?
► Contact your Broker/Agent/Consultant.
► Or Contact Us