Frequently Asked Questions & Glossaries

A self-funded (or self-insured) plan is one in which the employer assumes the financial risk for providing health care benefits to its employees. In practical terms, self-insured employers pay for claims out-of-pocket as they are presented instead of paying a pre-determined premium to an insurance carrier for a fully insured plan.

Learn more about self-funding by reviewing our Self-Funding 101.

We have invented a way to allow self-funded employers to connect with low cost, high quality, free-market-minded providers, no matter who provides primary TPA services for the health plan.

KPPFree™ includes providers who believe in free-market transparency the idea that value is a balance between cost and quality. They offer our self-funded employer clients their best price because they want to work directly with employers in their community.

No. Unlike most TPAs, the Kempton Group does not receive, or retain, a percentage of commission on your stop-loss policy, or any portion of subrogation recovery, PBM rebates or negotiated savings. PPO and other vendor fees are a direct pass-through cost to the client and are not included in the administrative fee.

The Kempton Group does not charge additional fees. All of our services are included in a single, flat administrative fee per-employee and per-month. Services outside of our standard administration are offered at a fixed, flat fee and quoted to you up-front.

Smaller than you might think! We generally work with groups from 50-3000, but we have markets to fit almost any size group – from traditional self-funded benefit options to level-funded products. Typically, the best time to switch is when your group is healthiest.

Please visit the Network Provider Directory section for the most up-to-date list of the PPO networks available.

Contact us if you do not see the network you are interested in.

We have great relationships with many stop-loss carriers and MGUs.

Contact us to discuss your stop-loss needs.

KPPFree™ pricing is bundled, upfront, and reasonable. Self-insurance guarantees a lower price point. When you utilize a Premier Provider, all of your out-of-pocket costs are waived. You will not be responsible for deductibles, copays or coinsurance. The physician’s services, anesthesiology and facility services are covered at 100% at no cost to you.

Reasonable travel expenses are included. We will provide assistance with your travel arrangements, including lodging and reimbursement for fuel. Please contact us to discuss your travel needs.

Use the KPPFree™ app to see a full list of procedures and providers near you. With KPPFree™, nearly every procedure is available. If your physician has indicated you need a specific procedure or surgery that you do not see listed, please contact us! We’ll be more than happy to assist you in determining whether it can be performed with a KPPFree™  Provider.

Use the KPPFree™ app to see a full list of procedures and providers near you.