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    • Home
    • About Our Company
    • Our Services
    • Insurance Options
      • Summary of Options
      • Accident Insurance
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      • Disability Insurance
      • Hospital Confinement
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      • RBP Health Plan Solutions
      • Special Risk Insurance
    • Medicare
      • About Medicare
      • Medicare Basics
    • Contact Us
Spiro Benefits
  • Home
  • About Our Company
  • Our Services
  • Insurance Options
    • Summary of Options
    • Accident Insurance
    • Dental
    • Disability Insurance
    • Hospital Confinement
    • Life Insurance
    • RBP Health Plan Solutions
    • Special Risk Insurance
  • Medicare
    • About Medicare
    • Medicare Basics
  • Contact Us

RBP - REFERENCED BASed PRICING

Reduce healthcare costs by up to 30%

Reduce healthcare costs by up to 30%

Reduce healthcare costs by up to 30%

Employers on self-funded health plans can reduce healthcare costs by up to 30% when you add an RBP plan to your current healthcare package!


Businesses that

have made the switch have saved money on their healthcare costs.   


This plan addition helps employees who have struggled with the financial burden of medical bills and healthcare costs t

Employers on self-funded health plans can reduce healthcare costs by up to 30% when you add an RBP plan to your current healthcare package!


Businesses that

have made the switch have saved money on their healthcare costs.   


This plan addition helps employees who have struggled with the financial burden of medical bills and healthcare costs that may be discouraged from seeking treatment by reducing out of pocket expenses.

How it works

Reduce healthcare costs by up to 30%

Reduce healthcare costs by up to 30%

RBP- (Reference-based pricing) is how your company can restore control  of your healthcare expenditures.  More control for the company and more control for the employees. 


 An RBP plan sets the maximum allowable amount upon which claims will be paid.  This will help ensure that fair prices are paid for medical services.  This can be the Me

RBP- (Reference-based pricing) is how your company can restore control  of your healthcare expenditures.  More control for the company and more control for the employees. 


 An RBP plan sets the maximum allowable amount upon which claims will be paid.  This will help ensure that fair prices are paid for medical services.  This can be the Medicare approved amount or the actual cost to deliver the service based on reported figures.


A reference-based pricing solution starts with the actual cost amount and allows a fair profit margin to calculate the bill. A PPO model, which potentially inflates price and then typically offers a discount.

PPO verses RBP, why trade?

Reduce healthcare costs by up to 30%

PPO verses RBP, why trade?

Consider trading your PPO for RBP reference- based pricing option as it is a business-saving strategy that’s readily available!


The PPO model where employers pay for medical claims based

on discounted billed charges is an expensive route. While a

discount may seem helpful in controlling costs, the amount of the

billed charges is almost always

Consider trading your PPO for RBP reference- based pricing option as it is a business-saving strategy that’s readily available!


The PPO model where employers pay for medical claims based

on discounted billed charges is an expensive route. While a

discount may seem helpful in controlling costs, the amount of the

billed charges is almost always inflated.

What a  hospital’s charges and an insurance company’s negotiated

discount are arbitrary figures and  fluctuate even within the same hospital system.


If your company strives to improve their cost

management take the first step in that direction by adopting a self-funded or self-insured model for your health plan.



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