One structure. Three capabilities. Total independence.
MedMerge is a single employer platform. Your practice gets access to self-funded benefits, payroll, and HR on one integrated platform — regardless of your size. You keep full operational control. We handle the infrastructure.
You keep control. We handle the infrastructure.
You tried a PEO. It felt like giving up your practice. The single employer platform works differently.
You retain full operational control: hiring, firing, schedules, clinical decisions. What changes is the infrastructure underneath. Benefits, payroll, HR, and compliance move to a platform designed for medical practices.
PEO
- Shared operational control
- Fully insured pool
- 5-10+ employee minimum
- Carrier owns claims data
- Limited plan design
MedMerge
- Your operational control
- Self-funded benefits
- 1 employee minimum
- You own claims data
- Full plan flexibility
Self-funded benefits. Without the 50-employee minimum.
SurgRE is a self-funded benefits program designed exclusively for healthcare professionals. By joining SurgRE through MedMerge, practices of any size access self-funded benefits with lower premiums, the Friends & Family network, domestic network access, and direct contracts.
Collective Purchasing Power
Lower costs for healthcare services, prescription drugs, and plan components across all member practices.
Risk Mitigation
A stop-loss layer protecting against catastrophic claims. Financial stability without giving up the savings of self-funding.
Claims Transparency
You own your data. Full visibility into where every dollar goes. No more black-box carrier reporting.
Plan Design Flexibility
Tailor your plan to your workforce instead of accepting the carrier's one-size-fits-all offering.
No copays. No deductibles. No coinsurance. Just care.
The Friends & Family network is the structural advantage no other platform can offer. Here's why.
Say a knee injection costs a carrier $900 at retail. The practice delivers it for $275. Inside the network, your fellow plan members get it at cost. $275. The plan just saved $625 on a single procedure. No negotiation. No middleman. No carrier markup.
Now multiply that across every service rendered between member practices. Every visit inside the network costs less than the same visit outside it. The savings are structural, not negotiated. They compound as the network grows.
Domestic Network
Your employees receive care at your own facility at cost. No copays, no deductibles, no coinsurance. The plan pays your actual cost of delivery, not a carrier's retail rate. Plan expense drops. Revenue stays in-house.
Friends & Family Network
When a plan member visits another practice in SurgRE, they receive care at that practice's cost, not retail. A specialist visit billed at $400 becomes $120. A procedure billed at $6,000 retail might cost $2,400 to deliver. The provider gets paid directly. The plan saves on every claim.
Intrinsic Savings
These cost reductions are not discounts. They are the difference between retail pricing and actual cost of care. Every service rendered inside the network lowers overall plan expenses for every member. The more practices in the network, the more services stay inside it, and the cheaper healthcare gets for everyone.
Where the Network Is Strongest
The Friends & Family network is live and growing in four markets: Phoenix, Dallas, Manhattan (Kansas), and Tulsa. Network density drives savings. The more member practices in a market, the more care stays inside the network. If your practice is in one of these markets, the economics are already working.
Stop paying the carrier to use your own doctors.
The national carriers have built their business model around keeping you dependent. MedMerge's infrastructure frees your practice from traditional insurance networks. More control. Less bureaucracy. Your pricing.