What We Do

Solutions Designed with People in Mind

At Luminare Health, we’re more than a benefits administrator. We’re a total benefits solution. 

We help employers, brokers, carriers, hospitals and health systems, school systems, and indigenous nations design custom self-funded health benefits plans that manage costs without compromising benefits. Our secret is simple; we provide innovative solutions, flexibility, data transparency, and member-centered support. 

The Luminare Health Difference

Our half a century of experience allows us to be more flexible, nimble, and specialized—all while maintaining long-term stability and scalability.

Resources for Flexibility

We focus on serving our clients with unmatched flexibility in the market. We listen to our clients and help them build plans that work for their unique needs—we don’t believe in one size-fits-all solutions.

Providing Options

We provide our clients access to large national carrier networks, but our flexibility doesn’t stop there. We also work with over 40 regional networks and can administer client-specific arrangements with local health systems, local networks, and domestic hospital networks. We pair this network flexibility with access to ancillary transplant, dental, lab, oncology, and dialysis networks and over 40 PBMs for ultimate customization.

Outside of networks, our reference-based pricing solutions—whether full reference-based, hybrid, or out-of-network-only—give our clients the freedom to build a plan that contains their costs without sacrificing member benefits. 

We also bring our clients managed care, value-based care, and wellbeing management expertise and a robust catalogue of solutions. We take a consultative approach to helping our clients select options that help achieve desired outcomes for our clients and their members.

Direct-to-Employer and Back-Office Expertise

Luminare Health has extensive experience and expertise in supporting hospitals and health systems bring direct-to-employer and community health benefit plan initiatives to life. Learn more about our direct-to-employer and back-office capabilities.

National and Local

Being both national and local means we have the resources and scale of a large national company but with a nimble structure for ultimate responsiveness to our individual clients’ needs.