Overview

PERMA FAIR provides cost-containment solutions for employer-sponsored healthcare and pharmacy benefits. It acts as the pricing engine behind self-funded plans, using a Medicare-based indexed reimbursement model to reprice hospital claims, supported by a transparent per-employee-per-month admin fee and partnerships with TPAs for claims processing and enrollment. Unlike traditional negotiated-rate models, it uses a consistent benchmark to lower medical spending by about 18% to 25% and offers plan design, reference-based pricing, stop-loss insurance, and member advocacy with care navigation and balance-billing support. Its goal is to deliver predictable, transparent pricing and meaningful reductions in healthcare costs for self-funded employers by applying risk management and claims oversight within the private sector.