Everything you need to make an informed decision.
Guides, frequently asked questions, and key statistics about physician-steward health plans and the Vxtra Health model.
Guides for every audience.
The Smart CEO's Guide to Self-Insured Health Plans
A plain-language walkthrough of how self-insurance works, what to look for in a plan, and how to evaluate whether Vxtra Health is the right fit for your company.
Coming SoonBroker Differentiation Guide: Stand Out with Vxtra Health
How to position the Vxtra Health plan to your clients, overcome objections, and win business with a product no competitor can match.
Coming SoonPhysician Network Overview
How the Vxtra model works for independent physicians — direct employer relationships, no pre-authorizations, and fair compensation aligned with patient care.
Coming SoonYour Vxtra Health Benefits Guide
A simple guide to your new health benefits: $0 copays, $0 deductibles, local doctors who know you, and how to use your care navigation service.
Coming SoonUnderstanding Self-Insurance: What Every Leader Should Know
An overview of self-insured health plans — how they work, why companies are switching, and how the physician-steward model changes the equation.
Coming SoonCommon questions, clear answers.
What is a self-insured health plan?
A self-insured (or self-funded) health plan is when your employer pays for employee health claims directly, rather than paying fixed premiums to an insurance company. This gives employers more control over costs, access to their own data, and the ability to design benefits around their workforce. Vxtra Health makes self-insurance accessible for mid-market employers with 200 to 2,000 employees.
How does the physician-steward model work?
In the Vxtra Health model, local physicians serve as stewards of the health plan. They make clinical decisions — not insurance executives. There are no pre-authorizations, no denials for recommended care, and no call centers overriding your doctor. Physicians work directly with local employers and their employees, supported by AI-enabled technology that handles claims and data.
Who qualifies for Vxtra Health?
Vxtra Health is designed for self-insured employers with 200 to 2,000 employees in secondary markets across the Southeast, South, and Midwest. We're currently launching in Augusta and Gainesville, Georgia. If your company is self-funded (or considering it) and you want lower costs with better care, we'd love to talk.
What happens with catastrophic or complex care?
Vxtra Health includes stop-loss reinsurance through Tokyo Marine HCC, one of the most respected names in the industry. This protects employers from catastrophic claims. For complex care that requires specialists outside the local network, employees still have access to care — the plan is designed to handle the full spectrum of health needs.
How is Vxtra different from a narrow network?
Vxtra Health is not a narrow network. It's a curated network of the best local physicians in your community who cost 40-70% less than hospital systems for the same treatment. Employees aren't restricted — they're connected with doctors who know them and their families. If you need specialty care or treatment outside the local market, the plan accommodates that.
What technology powers Vxtra Health?
Vxtra Health is powered by JudyHealth (by Capital Rx), the first platform to process both medical and prescription claims together with transparent data visibility. This is the same caliber of technology used by Fortune 100 companies. Employers get data in 7 days — compared to the industry standard of 120 days.
What markets does Vxtra serve?
Vxtra Health is launching in Augusta and Gainesville, Georgia in 2026. We have 24 additional secondary markets identified across the Southeast, South, and Midwest. Our "Our Town" methodology is designed to scale market by market, connecting local employers with the best physicians in each community.
How do brokers work with Vxtra?
Brokers are essential partners in the Vxtra Health model. They bring employers to the table, maintain their advisory relationship and compensation, and offer a product no competitor can match. Vxtra doesn't replace the broker — we give them a differentiated plan that protects their existing business and helps them win new clients.
The numbers that matter.
Independent physicians provide the same treatment at 40-70% less than hospital-based care.
Every visit, every time. No surprise bills, no fine print for members.
Transparent claims data in 7 days — vs. the industry standard of 120 days.
Three decades on every side of healthcare — physicians, employers, operations.