Cost Controls

Keeping Healthcare Spending Down

For people who know the industry as well as our team does, there are many ways to keep costs down for clients. And we use them all to control spending.

Out-of-Network Discounts and Fee Negotiations

Modern healthcare doesn’t have to fit into a network to be affordable. We offer many ways for individuals to save on visits to out-of-network providers through a multi-tiered hierarchy of programs designed to reduce costs whenever possible.

Network Access and Alternatives

With access to dozens of national, carrier-based, and regional networks, we can connect individuals with quality providers and deep discounts on healthcare services. We examine an employer’s population to find the right network or combination of networks for their people so they get the best possible discount.


We provide real-time eligibility updates so eligible members receive the care they need when they need it and then work with employers to resolve potentially costly eligibility discrepancies. Reducing the number of ineligible dependents on an employer’s plan can result in thousands of dollars in savings.

Prior Authorization

We work with employers to recommend prior authorization on specific services—such as chemotherapy and dialysis—so that members get the appropriate care in the most cost-effective setting.


Reinsurance, or stop-loss coverage, is a vital protection. Employers can rely on our team to help them find the best reinsurance coverage options for their plan from one of the A-rated stop-loss carriers we work with.

Connect with a Luminare Health sales executive to learn more.

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