I am…

I Am Curious About Kempton | Kempton Group

Curious About Kempton

I Am A Current Member or Employer | Kempton Group

A Current Member or Employer

I Am A Healthcare Provider | Kempton Group

A Healthcare Provider

I Am A Consultant, Agent or Broker | Kempton Group

A Consultant, Agent or Broker

The Kempton Group –
Third Party Administrators

Welcome to the Future of Healthcare & Employee Benefits

The Free-Market Approach

Fed up with big insurance companies? So are we.

For decades, medical pricing has been hidden from consumers, creating a perfect storm of medical inflation, price gouging and predation on consumers. At the Kempton Group, we’re putting an end to it. We have a passion for revolutionizing the healthcare industry, and are determined to help heal the very system we trust to heal us.

The Kempton Group:
It’s kind of like insurance, but with a conscience.

The Kempton Group is an independent third-party administrator (TPA). That means we process claims and manage benefit plans for self-funded employers – companies that essentially cover healthcare costs for their workforce out of their own revenue, instead of paying expensive premiums to an insurance carrier who pays those costs out of their pool (and who keeps the considerable difference).

There are some important differences between the Kempton Group as a TPA and the insurance carriers you’re probably accustomed to – and likely frustrated with.

Free Market Healthcare Approach | Kempton Group

Ready to learn more?

The next step is to get together – via phone, Teams, or in-person – to discuss how the Kempton Group can work with you.

What we do

  • Empower & Educate our Clients and Their Employees
  • Fight for Pricing Transparency and Free-Market Principles
  • Adjudicate & Pay Claims
  • Maintain Eligibility
  • Assist Clients with Real, Human Customer Service
  • Arrange for Stop Loss Coverage
  • Manage Network Access
  • Outreach and Partner with Local Medical Providers
  • Much More…

What we Don’t do

  • Charge Premiums
  • Keep Leftover Dollars
  • Accept Commissions or Kickbacks
  • Monetize Dysfunction
  • Skim Money from Discounts
  • Collude with Providers to Hide Actual Costs
  • Use Technology to Avoid Customers
  • Many More Objectionable “Standard Practices”

All TPAs are Not Created Equal.

Self-funded employers cannot afford to rely on facilitators who have a financial incentive to allow claims costs to increase unchecked. If an insurance carrier is the TPA or owns the PPO Network utilized, the employer will have little to no control over their Plan and it will be difficult to work directly with them.

Learn About Different Kinds of Third Party Administrators | Kempton Group

Three types of TPAs exist:

Independent TPAs | Kempton Group

Independent TPAs (like the Kempton Group)

Independent status is the gold standard for true third-party administrators.

Administrative Services Only TPAs | Kempton Group

“Administrative Services Only” (ASOs)

These include companies like Blue Cross, United, Cigna, Aetna, etc., which means you are still playing by their very restrictive rules and interests.

Hybrid TPAs | Kempton Group

Hybrid

These are essentially independent TPAs that use a traditional carrier’s PPO or network, which can severely limit options and nullify efforts at transparent pricing.

Even among Independent TPAs, many consider it standard practice to increase their revenue stream in deceptive ways:

  • Commissions on policies, products and other vendor services
  • Keeping a percentage of subrogation recovery and negotiated savings

Costs & Payment

We tell our clients every dollar we are paid in relation to their plan. Our total compensation consists only of the up-front, per-employee, per-month fee we charge.

Since we are accountable to one entity, the employer:

  • We Accept no Commissions
  • We Keep Zero Savings from Subrogation Recovery or PBM Rebates
  • We Return All Negotiated Savings to the Employer
  • PPO and vendor fees are passed directly to you with no markup

Schedule a Consultation

Interested in what we can do together to empower and educate your team to make the most of every healthcare dollar? Let’s talk. We can meet in-person, over the phone, or on Teams.

Our Philosophy & Principles

The Kempton Group is driven to revolutionize how patients relate to healthcare and their benefit plans. We know the system is broken, and we believe we’ve found a way to fix it that works for patients, employers and healthcare providers alike.
Our philosophy is firmly rooted in our core principles:

Kempton Group and KPPFree™ Clients

Coates | Kempton Group and KPPFree Client
Tower Exclusions | Kempton Group and KPPFree Client
HOWF | Kempton Group and KPPFree Client
First National Bank | Kempton Group and KPPFree Client

KPPFree

KPPFree™ is an elite group of providers who offer up-front, all-inclusive, deeply discounted and completely transparent prices for their services. The participating providers are progressive, free-market thinkers who earn top marks in quality and value. These are not fly-by-night facilities or physicians. Many are physician-owned and highly respected – some at the national level.

Typical Providers

Nearly impossible to learn procedure costs in advance

Each component coded, billed, discounted (etc.) separately, causing confusion

Justify higher prices as “necessary cost shifting”

Pricing not based on free-market forces

No method of verifying quality

KPPFree™ Providers

Disclose prices up front

Pricing is all inclusive

Have chosen to compete for patients based on price and quality in a free market

Prices 80% less than typical providers

Recognized leaders in their fields

These are just a few examples of cost savings – and significant value improvements – resulting from KPPFree™ Provider partnerships.

Procedure
Amount Billed by Other Providers
KPPFree™ Provider Billed Amount
Hernia Repair
$19,384.00
$3,190.00
Carpal Tunnel Release
$11,143.00
$2,750.00
Arthroscopic Knee Surgery
$14,977.00
$3,740.00
Bilateral/Multiple Joint Knee Replacement
$205,444.44
$26,071.31
Spinal Fusion
$192,622.94
$5,695.72
Laparoscopic Hysterectomy
$51,609.90
$11,500.00
Adenoidectomy
$14,991.19
$3,300.00
Major Joint Replacement Lower Extremity
$93,905.99
$19,400.00

KPPFree™ Providers by State

KPPFree™ providers practice in nearly every state in the US.

KPPFree Providers By State | Kempton Group

KPPFree™ Procedures by State

Virtually every procedure and medical service is covered by our KPPFree™ provider network.

KPPFree Procedures By State | Kempton Group

Ready to Learn More about KPPFree™?

The next step is to get together – via phone, Teams, or in-person – to discuss how the Kempton Group can work with you.

What’s Included

Our administrative fee includes everything you need to manage a self-funded benefit plan:

  • Safeguarding your claims to ensure reimbursement is reasonable and rational
  • Administration of consumer-driven options such as the KPPFree™ program
  • Complete plan reporting including comprehensive utilization reporting, unaudited financial statements and general ledger detail
  • Filing of reinsurance claims, if applicable
  • Employee education meetings, flyers, newsletters and educational materials.
  • Employee enrollment and initial printing and issuance of ID cards
  • Plan design and plan document creation assistance
  • Customized plan building and implementation
  • HIPAA administration, including ARRA
  • COBRA administration, including initial and sample notices included in Summary Plan Description, sample notices provided annually for distribution, COBRA election form provided to the employee upon separation from the employer, and collection and management of COBRA payments directly from the participant
  • Compliance assistance with ERISA, IRS laws, DOL regulations and most ACA mandates, requirements and reporting
  • Secure Benefit Portal for employees to view accumulator balances, claim details, view/print EOBs, ask questions, and more
  • Secure Benefit Portal for employers to view and edit participant eligibility, enrollment details, view claim detail and reports
  • Online enrollment

Any additional services will be quoted based on a flat fee.

Client Testimonials

Positive Client Testimonials | Kempton Group

This company has truly been a blessing for me! I’m on my way to being healthy and feeling like myself again! Thank you all so much!

– Sabrina Harrell

I had 3 surgeries and 2 of them were not on their list of surgeries. They struck a deal with my doctors within 24 hours and paid for 100% of the cost on all of them, even the surgeries that weren’t on their list.

– Anonymous

Your group gives insurance a good name. I can tell there is a lot of hard work that goes into what you do. We do appreciate you! I feel so blessed.

– Delana Smiley

Words are just not enough to express how much we appreciate every one of you at Kempton!

– Anonymous

Overall, I was VERY impressed with your customer service and their dedication. It is not always easy to find time to commend someone on a job well done, but I felt I had to say something about my dealings with your staff.

– Anonymous

They took care of everything for me, and I didn’t have to pay a single penny!

– Paul Freeman

This company has truly been a blessing for me! I’m on my way to being healthy and feeling like myself again! Thank you all so much!

– Sabrina Harrell

I had 3 surgeries and 2 of them were not on their list of surgeries. They struck a deal with my doctors within 24 hours and paid for 100% of the cost on all of them, even the surgeries that weren’t on their list.

– Anonymous

Your group gives insurance a good name. I can tell there is a lot of hard work that goes into what you do. We do appreciate you! I feel so blessed.

– Delana Smiley

Words are just not enough to express how much we appreciate every one of you at Kempton!

– Anonymous

Overall, I was VERY impressed with your customer service and their dedication. It is not always easy to find time to commend someone on a job well done, but I felt I had to say something about my dealings with your staff.

– Anonymous

They took care of everything for me, and I didn’t have to pay a single penny!

– Paul Freeman

What a great group of people to work with. The girls are always so nice and helpful.

– Jerry Cookson

Schedule Consultation

The next step is to get together – via phone, Teams, or in-person – to discuss how the Kempton Group can work with you.

The Kempton Story

We’ve been around since 1969, but it hasn’t always been business as usual.

Find Answers

Healthcare and insurance are a complicated world. We aim to demystify it and put control back in your hands. Check our FAQ for answers to common questions.

Let's Talk

The Kempton Group is a family owned and operated organization, with real people here ready to help you. Get in touch. We’re eager to hear from you.