Empowering small and medium businesses with comprehensive healthcare benefits to support a fixed budget.
What is a Multi-Employer Trust (MET)?
Healix Fix Multi-Employer Trust is our alternative solution that allows small to medium sized businesses access to the full benefits of a Healthcare Trust traditionally only available to large corporate entities.
Instead of paying premiums to an insurance company, your money is placed in a collective Healthcare Trust fund which is used to pay your employee’s private medical claims.
This allows similar sized businesses to collaborate; bringing your collective spend up and individual prices down.
If the claims fund is not completely used in any given year, then the balance remaining can be used to smooth the impact of your claims in future years.
Key Benefits
Benefits of a Healix Fix Multi-Employer Trust
By teaming up with other businesses in the Trust, you’ll maximise your collective buying power and enjoy clear benefits.
Low risk
Thanks to the unique way our Multi-Employer Trust is set up, extra safeguards are put in place to reduce the volatility of your trust. This brings the peace of mind that comes with knowing that your future costs are reasonable and sustainable.
Easy to manage
Joining our MET couldn’t be easier. Healix will put robust legal documentation in place to safeguard your healthcare scheme and give your employees full access to their benefits via an online portal.
Clinician-led expertise
Our nurse-led approach means that each and every claim – irrespective of its cost or complexity – is given the right clinical pathway from the start. For your employees, this means greater efficiency with no unnecessary delays.
Additional Services
Which healthcare services are available through Healix Fix?
24-hour GP
Receive the care you need, when you need it the most, wherever you are in the world. With our 24/7 GP, Trust members can attend online appointments or access private prescriptions, all from their smartphone.
Mental health provisions
Approximately 1 in 4 people will experience a mental health difficulty this year. Healix provides the support you need to promote a healthier work environment for employees.
Cancer care
We work with oncology specialists to ensure, where possible, the latest treatment and drug developments are available to all members of our MET.
Healix wellbeing resource
Healix’s Positive Occupational Wellbeing Resource (POWR) and Champion Health, a workplace wellness platform, helps your team to pinpoint the areas in their life which aren’t going as well as they should.
FAQs
Answers to common questions
New to Multi-Employer Trusts? We’re on hand to answer your questions, big and small. Have something specific to ask? Contact Healix today.
Yes. METs can be offered to companies where there is an opening employee membership of 50 or more.
If another company within the Healix Fix MET makes a sizeable claim, this won’t affect the type of benefits that your employees enjoy.
Thanks to the unique way our Healix Fix MET is set up, any unclaimed funds will always remain within the healthcare trust to stabilise it for future years.
No. The overall cost for your company will depend on how many employees you have, their ages and the split of member types – so whether the benefits can be used by your employees’ family or partner. Although, some of the costs from the fund – things like the administrator fee, IPT and VAT – will be the same for each company.
If, once your fund is set up, you decide that an MET isn’t for you, it’s easy to withdraw your business from the trust. Let us know that you’ve changed your mind and we’ll arrange this for you. If there are any funds that you haven’t used after you leave, these will remain in the trust and cannot be transferred back to you.