About ELAP

What ELAP Does

ELAP Services LLC (ELAP) works with self funded employer groups to understand and control employee health care costs. ELAP assists in plan design and jointly establishes limits for payment of medical claims that correlate to the providers' cost of services.

ELAP works with the clients' stop loss carrier to ensure cohesion between the plan document and stop loss policy, with a special focus on catastrophic claims management. In doing so, ELAP supports the plan sponsor's fiduciary duty to prudently manage plan assets, make appropriate coverage determinations and manage appeals in a manner compliant with the Employment Retirement Income Security Act (ERISA).

ELAP assumes certain defense obligations on behalf of our client base in support of this process, and seeks to establish direct, transparent contracts on behalf of self-funded employer groups with providers on a regional and national level. ELAP adheres to the principles of transparent pricing, objectivity and fair reimbursement practices.

Cost Plus (medical bill) Audit Program

What Makes ELAP Different

ELAP’s service adheres to ERISA’s guidance that all self-funded plan sponsors must exercise a high standard of care in managing plan assets. We advise our clients to purchase health care in the same manner they buy everything else. We suggest that clients insist on transparency and a clear relationship between cost/value and price.

ELAP implements procedures and measurements that compare provider billed charges to allowable claim limits as determined by independent, verifiable industry standards and as written into the plan document. In the event of payment disputes, ELAP provides for defense counsel at no extra cost to our client or their members.

ELAP’s willingness to support its plan decisions with legal counsel — at no extra cost to the member — is a key differentiator within the industry.