Your benefits plan should work as hard as your practice. It doesn't.
Fully insured plans are designed for the carrier's benefit, not yours. MedMerge gives medical practices of any size access to self-funded healthcare benefits through SurgRE.
Where your premium dollar goes. And what you never get back.
Every dollar you pay in premiums gets carved up before a single claim is paid. The carrier takes premium taxes, risk charges, administrative fees, and profit margin. If claims come in low, the carrier keeps the surplus. If the float generates income, the carrier keeps that too.
You have no visibility into claims data, no control over plan design, and no leverage at renewal. The broker calls this 'the market.' It is not the market. It is the structure, and you are on the wrong side of it.
Self-funded benefits. Starting at one employee.
Through MedMerge's single employer structure, your practice joins SurgRE and transitions from fully insured to self-funded.
You Own Your Claims Data
Full visibility into where every dollar goes. No more opaque carrier reports.
You Design Your Plan
Tailor benefits to your workforce instead of accepting the carrier's one-size-fits-all offering.
You Pay Less
Self-funded rates are typically lower than fully insured premiums. You stop paying for the carrier's profit margin, risk charges, and premium taxes.
You Eliminate Hidden Charges
No premium taxes. No risk charges. No carrier profit margin baked into your rates.
Care from your own. At the lowest possible cost.
A $350 consult costs your practice $150 to deliver. Inside the network, plan members pay cost, not retail. That's $200 in savings on a single visit, with no negotiation and no carrier in the middle.
These are not discounts. They are the structural difference between retail pricing and actual cost of care. Every service inside the network lowers plan expenses for everyone. Live in Phoenix, Dallas, Manhattan (KS), and Tulsa.
Domestic Network
Your employees get care at your own facility at cost. Zero copay, zero deductible, zero coinsurance. Plan expense drops. Revenue stays in-house.
Friends & Family Network
Care from any member practice at cost, not retail. A $350 consult becomes $150. A procedure billed at $8,000 retail might cost $3,200 to deliver. The savings compound with every practice that joins.
Collective purchasing power for every prescription.
SurgRE's collective buying power drives down Rx costs across the board. You stop paying retail. You stop paying the pharmacy benefit manager's hidden spread. Transparent pricing, formulary control, and group leverage that a single small practice could never achieve alone.
Medical, dental, vision, life, and disability. All included.
Every MedMerge plan includes medical, dental, vision, life, and disability coverage. Your employees get a complete benefits package, not a patchwork of separate policies from separate carriers.
Protected against the unexpected.
SurgRE provides a stop-loss layer. Catastrophic claims do not fall on your practice alone. Financial stability and predictability without giving up the savings of self-funding.
Better benefits. Lower cost. Total control.
The structure exists. SurgRE is built. The network is live. The question is whether your practice is in it.