Indiana Elite Care Network

Take control of healthcare costs while giving employees access to trusted care across Indiana.



The reality is that you can no longer afford to wait this out.

Indiana ranks among the most expensive states for employer-sponsored plans.

Healthcare costs have gone up 40% over the last 5 years and are projected to rise by another 10% heading into 2027.

Every year, many Indiana employers face healthcare renewal increases of 15% or more, leaving them with a choice between accepting massive cost increases or taking benefits away from employees.

 

There is a better option.

The Indiana Elite Care Network gives businesses transparency and control to provide greater access to employees while significantly reducing costs.

In fact, by implementing this solution, municipalities and school districts can save roughly 20% on their healthcare budgets, which can single-handedly wipe out multi-million dollar budgetary shortfalls caused by property tax changes.

Indiana Elite Care Network is a smarter, proven approach to employee healthcare.

This approach is a functioning health plan option that is already delivering measurable savings and providing employees with trusted care.

Anchored by Franciscan Health and partner providers across Indiana, including Ortho Indy, Unity Healthcare, and Sagamore Surgical Center.

Key benefits of this local-access strategy include:

Predictable Costs and Real Savings

Expanded Network Options

Plan Flexibility & Control

Reinsurance & Liability Savings


Indiana Elite Care FAQ

Do employees have to change their primary care doctors?

How does the three-tier plan structure work?

Which local providers are included in the Tier 1 network?

How do employees know where to go or how to navigate the network?

Are there complicated pre-certification requirements for employees?

What is the expected financial impact on our overall health plan spend?

How does the pricing actually compare to the broader Indiana market?

How will this impact our stop-loss and reinsurance costs?

How does this strategy help municipalities or schools facing property tax shortfalls?

Is the pricing transparent and verifiable?

Does this model expose our employees to balance billing?

How does the plan ensure overall savings if employees use the broader, less-discounted Tier 2 network instead of the Tier 1 network?

What should employees do if a provider's front desk staff doesn't recognize the IN Elite Care insurance card?

Will employees have local support to help them understand and navigate their care options?

Do employee deductibles cross-accumulate between the different network tiers?

How does the plan manage prescription drug and specialty medication costs?

Is there local proof that this strategy actually works?

What happens if an employee goes completely out of network?

Independent data & local usage shows Indiana Elite Care Network saves employers 12% to 18%.


These savings are not projections. They are confirmed by independent analysis through Sage Transparency showing about $150,000 saved for every $1 million in healthcare costs.

Many local employers are already utilizing this model and are seeing results. In our longest-running local case study, the annual cost per employee dropped from $19,000 down to $11,000. 

Local usage shows that 73% of all high-dollar claims are successfully flowing through the high-performance network.
Read More

No other option we’ve seen delivers this combination of savings & predictability.




The savings put this network in line with Indiana’s cost containment goals and give employers a real way to manage rising healthcare costs.

With transparent pricing, control over plan design, and access to trusted providers, Indiana Elite Care Network provides real savings—while employees benefit from care they trust and protection from surprise bills.

Healthcare doesn’t have to be unpredictable. Many approaches focus only on cutting premiums or chasing discounts—without addressing the underlying drivers of cost or employee experience.

The Indiana Elite Care Network was created to change that pattern. It gives you a way to manage costs predictably while providing employees with trusted care across Indiana.


Schedule a Consultation

Take control of your healthcare costs.

1


Schedule a consultation.

2


Review the potential savings.

3


Design a healthcare plan built for your employees.

Renewals shouldn’t climb 15% or higher each year.

Download this guide to understand what’s happening and how you can take control of your healthcare costs.

You don't have to accept double-digit renewal rates & poor access to healthcare.

No other option we've seen delivers this combination of validated savings and predictability.

The Indiana Elite Care Network was designed to change the unproductive pattern of chasing discounts without addressing underlying costs.