Health Plans

Simple. Integrated. Custom.

Franklin Health is a proprietary platform from Crumdale Partners offering integrated level-funded health plans and consortiums with a customized approach to cost savings.

Partnering With Like-Minded Brokers for Success

Our goal at Crumdale is to partner with like-minded brokers to deliver simple, integrated solutions that provide significant cost savings for their employer groups. The Franklin Health platform provides insurance options that promote simplicity and low costs, provide stability and security, maintain control with independent pricing, and leverage total platform volume for purchasing power.

Integrated Health Plans

Franklin Health is a proprietary platform offering integrated level-funded health plans and consortiums. A Crumdale Partners program, Franklin Health supports innovative and proven cost containment measures to reduce costs and create better experiences for employers and their employees.

This platform combines best-in-class components of an integrated health plan while offering dynamic and innovative solutions to achieve extraordinary results.

Mid-Market Self-Funding

Franklin Health is available to all employers with at least 25 enrolled employees who are tired of double-digit renewal increases and see the advantages of buying into a multi-year approach designed to deliver savings, transparency, superior member experiences, and risk pooling.

Our transparent and innovative program is ideal for fully-insured groups looking for more renewal stability with a structured approach to self-funding and self-funded groups that are experiencing significant increases due to lack of claims control.

Employer Groups
Average First-Year Savings
Average Renewal

Best-In-Class Integrated Health Plan

We make the complicated health benefits market easy to understand with turnkey solutions.

Franklin Health combines best-in-class components of an integrated health plan while offering dynamic and innovative solutions to achieve extraordinary results. Our expertise and leverage is what drives Crumdale’s distinctive outcomes.


The word innovation gets thrown around often, but at Franklin Health, we mean it. We’ve pioneered a new way to approach and engage an integrated health plan and we do so primarily through five core components:

  • Active Claims Monitoring
  • Independent TPAs
  • Custom Rx Programs
  • Group Purchasing Stop-Loss
  • Member Advocacy & Support


We offer protection from high-cost medical claims due to fraud, waste, or abuse with our active claims monitoring. Our expert clinicians and in-house pharmacists analyze claims, identify errors and implement improvements for savings through experienced claims negotiation.

  • Expert clinician and pharmacist oversight
  • Real-time claims analytics
  • Cost saving intervention


We partner with third-party administrators to customize plans and meet the needs of clients quickly and easily. With the strength of Franklin Health’s multiple networks, best-in-class partners, and back-end services, we deliver meaningful health statistics, immeasurable savings and better end-user experiences.

  • Strength of multiple networks and partners for competitive benefits and ensured coordination
  • Fast and smooth implementations with 11 pre-built plan designs, SBCs and SPDs to streamline the process
  • Stop-loss and active claims review and monitoring to protect against unexpected high costs of care


Our in-house pharmacy benefits team provides continuous high-cost claims management and high-cost drug support. Our proprietary PBM contracts include specialty drug management and pricing validation to identify and implement solutions to cut unnecessary costs.

  • In-house PBM experts with cost saving solutions
  • Continuous high-cost claims management
  • Continuous high-cost drug support


Crumdale provides a strategic approach to underwriting so clients can leverage our global volume for access to leading rates, terms, and discounts. This type of underwriting also promotes long-term financial success by promoting strategic planning.

  • Stop-loss leverage provides favorable discounts, terms, and conditions
  • Pooled arrangements significantly decrease renewal volatility
  • Allows for strategic planning around a long-term financing strategy


To ensure clients get the most out of their benefits, we offer ongoing benefits navigation and HR support to improve utilization for employers and employees. We use technology-enabled tools with proprietary data analytics to navigate the best health options, improving member experiences.

  • HR Support for employees to improve health benefits navigation
  • Proprietary data analytics to find the best physicians
  • Member concierge services to alleviate issues

Our Value Proposition

When you join the Crumdale Partners network you gain leverage to reduce employee benefits costs, plus exclusive access to:

  • Turnkey, transparent solutions that are easy to understand
  • Industry subject matter expertise and local market knowledge
  • Creative cost containment strategies
  • Superior contracts
  • Best-in-class vendor and carrier relationships
  • Alternative risk financing and management
  • Expert data analysis, actuarial and compliance support
  • Agile solutions tailored to meet your needs

Additional Solutions for Ongoing Savings

To provide additional support for each and every health plan, we combine our core components with the appropriate advanced initiatives to supercharge the plan and achieve even more significant cost savings.

We implement additional advanced initiatives individually, on a case-by-case basis, when it makes the most sense for a client and their plan.