Innovating Health Plans Since 1996.
Excelsior Higher Care offers Group Health Plans to Employers Who Want Better Benefits, Superior Service, and Lower Costs.
In 2025, every Excelsior HC group has enjoyed renewals with NO RATE INCREASE.
Concierge Care
► We call every member to welcome them and review how to use their benefits.
Our Advocates are the central point of contact for all members’ health care needs.
No Cost Care
► Primary Care
► Specialty Care
► Lab Testing
► Diagnostic Imaging
Available through our friendly and helpful Care Team.
24/7 Tele-Care
► Call anytime, or login through your phone or computer for virtual Urgent Care at no cost.
Most plans also include virtual Primary Care and Behavioral Health.
Open Access Care
► Members can go to any provider.
With an Excelsior Higher Care plan, members are not confined by restrictive physician networks as they are with other carriers.
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.
Personalized Care Coordination for Tailored Healthcare Solutions.
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
► Patient Advocacy and Personalized Care
► 24/7 Virtual Urgent Care
► Open Access to Providers and Hospitals
► Transparent Rx Pricing that Benefits Members