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Self-Funded Employers
​Empower Your Health Plan Members to Purchase Care Directly from Top Doctors​

You'll love the simplicity.
Your company will love the savings.
​Your plan members will love the convenience. 


Challenge for Benefits Leaders:

​​40%

of employees are dissatisfied with their benefits*

* As Employee Wellness Declines, Benefits Satisfaction Drops to Decade Low (shrm.org)

The Primary Reasons Given for Employee Benefits Dissatisfaction

primary reasons graph

There's Now a Solution that's Easy to Implement and that's Loved by Employees, Plan Members, and Benefit Leaders


Introducing Direct Purchasing

Give your employees the option to directly access high-quality doctors and healthcare services without using or altering your current insurance carrier or provider network.

When you implement a direct purchasing strategy, you and your plan members immediately get: 

  • Simplicity and ease of use (as easy as shopping on Amazon)
  • Expanded healthcare options (without removing existing choices)
  • Significantly lower costs (including $0 out-of-pocket designs)

Many leading companies already offer direct purchasing.

50% of employers currently provide a direct purchase option for plan members and ~25% are planning to do so in the next two years.

Willis Towers Watson survey

With Fair Market Health, direct purchasing of healthcare services is now conveniently available to self-insured companies of all sizes.

The Benefits of Buying Healthcare Directly
Through Fair Market Health

Simplicity

Easy to implement and use

(no member disruption)

Clarity

Prices are clearly disclosed

(no surprise bills)

Satisfaction

A better patient experience

(no insurance frustrations)

Convenience

Shop online for top doctors

(no out-of-network confusion)

Local

Nearby doctors

(no distant travel)

Savings

Typical savings are 35%

(no more avoided care)

Schedule a 30-Minute Discovery Call

Helping You Fulfill Your Fiduciary Duties

Federal law requires that employer health plan sponsors operate their health plans prudently and "solely in the interest of the plan members."    

The Consolidated Appropriations Act of 2021 requires employers to develop and document a process for monitoring whether healthcare costs are reasonable.                        

When you implement direct purchasing with Fair Market Health, your plan members get immediate access to healthcare cost information. 

This transparency clearly demonstrates your commitment to operating prudently and "in the interest of your plan members."

The Advantages of Adding Fair Market Health to your Employee Health Benefits Offering

An easy-to-implement add-on solution that delivers results.

 Advantages Traditional
Network		 Fair Market
Health		 Combined Results
Easy to use❌
✓
Better Patient Satisfaction
Clear Prices
(upfront, bundled, all-inclusive)		❌
✓
Billing Surprises are Eliminated
Doctor Quality
❌
✓
Better Control Over Quality
Freedom from Network Restrictions❌
✓
Expanded Access to Doctors and Facilities
Patient engagement
(as easy as shopping on Amazon)		❌
✓
Empowered Patients
Preferred by Doctors❌
✓
Preferred Appointments
Advantage Pricing
❌
✓
Significant Savings (average 25-45%)
Freedom from Errors
and Overcharges		❌
✓
Only Pay for Services Actually Received
Fulfill Fiduciary Duties
❌
✓
Comply with CAA 2021
Easy to Implement❌
✓Better Healthcare in < 2 hours
 And best of all, you don't need to change your insurance carrier or your provider 'network'.
Fair Market Health works alongside your existing carrier and network so your employees have even more choice.

What will your employees and their families say? 

"I absolutely love using Fair Market Health. The process was simple and I was able to book my appointment for the day after. I'll certainly be using Fair Market Health again!"

Amber D. 

"My doctor and all of the staff were wonderful and the whole process was seamless and simple!"

Lori F.

"Fair Market Health is fantastic and their customer service is amazing!!"

Diana S.

"It was a very smooth experience with Fair Market Health. The doctor and his team provided excellent care."

Wen-yu H.

"So easy to use and super friendly customer service."

Cindy M.

Fair Market Health's overall customer rating          

4.8 of 5 stars

Fair Market Health Provides Convenient Access 
​to a Wide Range of Healthcare Services

All Available in One Easy-to-Search Online Marketplace

Savings on High-Cost Services like:

      • Musculoskeletal
      • Cardiovascular
      • Maternity
      • General Surgery & Bariatrics
      • Cancer

Savings on High-Volume Services like:

      • Labs, Imaging, & Therapies
      • Mental Health & Substance Use Disorders
      • Weight Loss & Metabolic Health
      • Gastroenterology/Digestive
      • Gynecology/Urology

...and many more services provided by high-quality and highly-rated doctors.

Patients' Rating of Doctors on Fair Market Health                

4.8 of 5 stars

happy doctors

We build direct, local healthcare where your employees live and work. 


Let us custom build a transparent and affordable menu of healthcare services designed specifically for your employees and their families. 

Schedule a 30-Minute Discovery Call

The Savings

Below are examples of the savings available when buying directly through Fair Market Health

 Services Median Insurance Network 'Net' PriceMedian Fair Market Health PriceSavings Savings %
 Total Hip Replacement$ 43,000$ 22,700$ 20,30047%
Total Knee Replacement$ 27,800$ 21,700$ 6,10022%
 Colonoscopy$ 5,600$ 1,900$ 3,70066%
ACL Repair$ 14,700$ 11,200$ 3,50024%
 PET Scan$ 4,600$ 1,900$ 2,70059%
Umbilical Hernia Repair$ 10,600$ 8,000$ 2,60025%
 Upper GI Endoscopy$ 4,300$ 2,000$ 2,30053%
Echocardiogram$ 1,300$ 200$ 1,10085%
 Fair Market Health clients save an average of 35% on their health plan medical purchases, which translates into a 300+ % ROI.
And the best part... there are no fixed fees (PEPM or PMPM) required.




Thoughts from Decision Makers Like You...

"We encourage our employees to use Fair Market Health because of the savings it brings to our overall health plan, which equates to savings to the employees, and saves our employees money."

Tracey S. - HR Manager

"Our company was looking for ways to help with the rising cost of healthcare. With Fair Market Health, we have been able to get better prices, which helps our business, and saves our employees money."

Makala N. - HR Manager

“Fair Market Health provides high quality services with affordable prices that not only saves our employees money; it saves our company money.  Fair Market Health offers us freedom from the high cost of healthcare.”

Megan B., Benefits Lead

Ready to be a Health Plan Hero?

We'll handle all the details, so you can reap all the benefits of buying direct (without any of the effort). 

We make it easy for you to give your employees savings, transparency, and convenience.

Getting Started is Easy

View a Demo, Request a Savings Analysis, or Ask Questions.
We're here for you! 

Schedule a 30-Minute Discovery Call

FAQs

With what types of doctors and healthcare organizations do you partner?

We partner with healthcare service providers of all types, including hospitals, ASCs, independent physicians and physician groups, and many others.  We also work with all specialties.

With what types of doctors and healthcare organizations do you partner?

We partner with healthcare service providers of all types, including hospitals, ASCs, independent physicians and physician groups, and many others.  We also work with all specialties.

With what types of doctors and healthcare organizations do you partner?

We partner with healthcare service providers of all types, including hospitals, ASCs, independent physicians and physician groups, and many others.  We also work with all specialties.

How do you evaluate the quality of healthcare services offered?

We partner with a third-party data analytics firm.  They use frequency and outcomes data to assess the quality of both physicians and facilities. 

Are there any procedures or services you don’t provide?

We do not provide access to any life-threatening emergency services.  But we can provide transparent access to any other healthcare service that is planned or scheduled. 

How does a company implement your solution?

It’s simple.  We provide a link to your own employer-specific website customized for your plan and members.  Plan members use this link to shop for high-quality, transparently priced healthcare services.

Can we implement at any time during the year?

Yes, you can implement our solution at any time during a plan year.

Does your service work with PPO and QHDHP plans?

Yes; we can coordinate with any plan type or design, including multiple plans at a single employer.

Can we implement your direct purchase solution alongside a ‘traditional’ insurance network?

Yes; many of our self-insured employer clients use a traditional insurance carrier network like United, BCBS, etc. 


In these instances, we can implement a direct purchase program with zero member out-of-pockets (eliminating the need for ASO data sharing).

How much can we expect to save?

Our clients typically save 25-50% vs. traditional insurance ‘allowed’ amounts.  These savings are calculated after all insurance ‘discounts’ have been applied.

Why do doctors and care providers prefer direct payment through Fair Market Health? Why are healthcare services on FMH priced so much lower than traditional insurance-based networks?

Doctors and other healthcare providers prefer fast, hassle-free payment. When they provide their services at fair and transparent prices, we can pay quickly and without hassles. It's better for everyone.

How do you calculate the savings that you deliver?

We use a third-party service that leverages the publicly available Transparency in Coverage (TiC) payer price data.  We use the median (50th percentile) price for each offered service as the benchmark from which to calculate savings delivered.

What’s the typical plan member utilization and how do you encourage appropriate use to achieve greater savings?

Member usage is primarily impacted by the plan design.  Plans that implement our direct purchasing solution using a zero out-of-pocket design will see higher utilization. Those that maintain their existing out-of-pocket obligations will likely see lower utilization.  Both plan designs can deliver savings. However, waiving out-of-pockets for those that use the direct purchase program will deliver the highest overall utilization and the most savings.

Do you integrate with TPAs and Stop Loss vendors?

Yes; we regularly receive ‘accumulator’ data (e.g. deductibles and out-of-pockets) from TPAs to calculate patient responsibilities. We can also report FMH spending data back to the TPA and/or Stop Loss vendor so that total claims data remains accurate.  We charge a small fee for claims integration with your TPA.


Spending data for all Fair Market Health purchases is also available on-demand.

Can your service be implemented with navigation, steerage, pre-cert, 2nd opinion or other similar vendor solutions?

Yes; our direct purchase solution can be paired with any existing or new vendors of this type.

In what markets do you operate?

We build custom ‘direct’ employer/provider relationships wherever you have plan members.  It typically takes 2-3 months to establish a robust list of healthcare services that members can buy direct. Often, it can be done more quickly.

How are you different from other direct contract vendors?

Most ‘direct contract’ vendors focus only on high-cost procedures like MSK, Cardiac, Cancer, and Bariatric.  These procedures are purchased infrequently (1-2 per lifetime at most).  As a result, most plan members won’t think of these direct contract vendors when it matters.


Additionally, most ‘direct contract’ vendors require plan members to use a call center to research and schedule care.  Many require plan members to travel a great distance to receive treatment by a doctor that is unknown to the patient.


Lastly, most ‘direct contract’ vendors charge a PEPM or PMPM, regardless of utilization or savings.


FMH provides more access to high-quality local doctors (with less travel required). FMH also delivers access to high-cost, low volume procedures (e.g. MSK, Cardiac, Cancer, etc.) AND lower cost, high-volume services like labs, imaging, colonoscopies, etc. This helps drive overall member engagement and savings.


FMH also delivers a more engaging and user-friendly experience through an online website. The website functions similar to other popular and frequently used websites. This also helps to enhance member engagement.


Lastly, FMH provides its services via a ‘no risk’ per transaction fee (with no fixed PEPM/PMPM required).

How is Fair Market Health paid?

We offer a ‘no risk’ model. We charge a transaction fee that is included in each all-inclusive price.  This way, you only pay when FMH helps your members and your health plan save money on healthcare services.


But, if you prefer a PEPM or PMPM fee arrangement, we can do that too.

What is “all-inclusive” pricing?

Our goal is to eliminate all post-procedure billing surprises.  To do this, we strive to include all the services that are typically provided in each episode of care.  If a typical service is not included in the price, we strive to disclose this transparently upfront.


Our all-inclusive pricing includes all fees, including the FMH fee.

If a patient out-of-pocket is required, what types of payment do you accept?

We accept all credit and debit cards, HSA, FSA, and HRA accounts, and Apple Pay and Google Pay.


We also allow patients to apply for a personal loan with our financing partner.

What is your refund policy?

We will refund all payments less transaction fees, if a purchased service is no longer desired.

What if a sought-after doctor or service isn’t currently available on Fair Market Health?

Any member can contact our Care Guides team. We’ll reach out on the member's behalf to see if the doctor wants to join our direct purchase program.

Do you provide support for Spanish speakers? ¿Ofrecen servicio en Español?

Yes, please email support@fairmarkethealth.com to speak to one of our Spanish speaking Care Guides Monday–Friday from 8am to 4pm CST. 

Sí, ofrecemos servicio en español. Por favor, envíe un correo electrónico a support@fairmarkethealth.com para hablar con uno de nuestros representantes en español. Los representantes en español se encuentran disponibles de lunes a viernes de 8 am a 4 pm CST.

What happens if a plan member receives a bill from a care provider after their procedure?

That plan member should contact our Care Guides Team at (316) 202-8558 or at support@fairmarkethealth.com. We will work with the provider on the member’s behalf to correct any errors. Our team members are available Monday - Friday, from 8am to 4pm CT. 

Have another question?

Please contact us at support@fairmarkethealth.com

© 2025 Fair Market Health. All rights reserved. 

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