We invite you to rethink healthcare with us.
Prioritizing Your Health
Many of us take our health for granted until we face illness or injury. Health insurance shouldn’t just be for emergencies. We believe the best health insurance starts when you’re well, and we strive to keep you in that state, both physically and mentally.
Redefining Health Insurance
Forget what you know about health insurance rules—setting doctor appointments, understanding in-network vs. out-of-network providers, and dealing with surprise bills. Our leadership team, with over 30 years of experience, is committed to fixing the broken aspects of traditional health insurance.
A Different Kind of Health Plan
Excelsior Higher Care offers a unique health plan where members receive exceptional healthcare with minimal out-of-pocket costs beyond their premiums. Unlike other plans that shift costs to deductibles, copays, and out-of-pocket maximums, we provide options for $0 care.
Cost-Efficient and Effective
We’ve found a way to offer this cost-efficiently. By eliminating inefficiencies, we can provide better plans at lower premiums. Nearly all our new clients experience lower premiums for superior plans, and plan sponsors can offer sustainable, lower-cost healthcare year after year.
Experience the Difference
Give us a try - We believe we offer more.
Comprehensive Care for Every Chapter of Your Health Journey
Excelsior Higher Care combines Near site Care and Concierge Primary Care into a single, comprehensive health plan that supports you through every stage of your health journey—whether you’re well, chronically ill, sick, or injured.
Inclusive and Sustainable Health Plan
We offer a health plan that brings together members, plan sponsors, doctors, and hospitals into a community focused on better health at reasonable, sustainable costs. This is a level of care and cost-efficiency that most group health plans don’t provide.
Empowering Primary Care
Primary care is crucial. While most health plans limit what primary care doctors can do, we empower them. Our focus on ultra-access to primary care helps you stay informed about your health risks, reverse chronic illnesses, and maintain overall well-being.
Addressing Healthcare Business Challenges
We recognize the incredible services provided by doctors and hospitals, but we also see how the business side of healthcare can hinder their work. Many healthcare systems, even non-profits, report billion-dollar profits, driving up premiums. We believe there’s room to trim these excesses.
Eliminating Cost Barriers
A major barrier to seeking medical care is the uncertainty of costs. Shared costs like deductibles, copays, and out-of-pocket maximums are designed to discourage doctor visits. We think this is bad healthcare. We believe in transparent, reasonable costs known before services are delivered.
Transparent and Fair Billing
The healthcare industry often keeps patients in the dark about costs until they receive surprise bills, which are sometimes incorrect or fraudulently upcoded. We also see too many intermediaries driving up drug costs. We advocate for transparency and fairness in billing.
Concierge Care at Your Fingertips
Imagine having a concierge doctor accessible via an app, where you can text any concerns or needs at any time. Now imagine paying $0 for that concierge doctor, specialists, hospital visits, lab work, surgeries, or maintenance medical care. This is our vision of Higher Care.
Excelsior Higher Care
- Our leadership comes from major healthcare companies and national healthcare brokerages/consultancies.
- We have over 30 years of experience in the group healthcare business.
- We believe healthcare is broken and are fixing it component by component.
- We are health plan architects who have created a better group health plan.
- We see the market’s annual healthcare trend in double digits and are working to slow it down.
- Employees nationwide are pushing back against non-transparent healthcare and pharmacy contracts.
- We embrace quality and pricing transparency and dislike surprises.
- We have tools to uncover provider quality scores and pricing for each service.
- We believe “auto-adjudicate” is code for “no billing oversight” or “billing control.”
- Unlike most health plans that auto-adjudicate over 80% of their claims, we do not.
- Our goal is to be a quality and billing advocate for all health services delivered.
Our Mission
To be the best healthcare/health insurance option for Employer Groups and their Employees, by providing higher care at lower costs.
Our Vision
To bring transparency, affordability, and compassion to healthcare.
Our Values
We believe in Transparency
We believe in Advocacy
We believe in Affordability
We believe in Compassion
We believe in Innovation