Third-Party Administrator · Self-Funded Health Plans
Automated to the decimal. Human to the core.
FBC automates the busywork of benefits administration, files every stop-loss claim to the penny, and puts a real person on the line when your people need one.
Prattville, AL · Serving self-funded plans nationwide
6.5
days, average claim processing time
98.3%
claim accuracy rate
99%
of claims processed & paid within 30 days
01 / The Difference
Automated where it should be.
Human where it must be.
Most administrators pick a lane: software with nobody home, or nice people drowning in spreadsheets. We refuse the trade-off. Machines do what machines do best, and people do the rest.
Run by machines
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Eligibility that is never stale
Enrollment files sync automatically. Adds, drops, and changes land the day they happen, not at the end of the month.
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One clean invoice
Every carrier, every line of coverage, consolidated and reconciled before it reaches your desk.
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Claims that move in days
Straight-through processing pushes clean claims out fast, and flags the exceptions that deserve human eyes.
Run by people
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A person answers the phone
Members reach a human who knows the plan, not a phone tree, not a chatbot, not a call center overseas.
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Advocacy when care gets hard
Continuity of care, appeals, complex claims: our team walks members through the moments that matter.
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Judgment where it counts
Automation handles the routine so our people can spend their time on the decisions software should never make.
“Getting the basics right isn’t the bar. It’s the floor.”
Operating principle, FBC
02 / Stop-Loss Recovery
When a claim crosses the line,
we bring the money home.
Stop-loss insurance only protects your plan if someone actually files the claims, works the carrier, and follows every dollar back. Most TPAs treat recovery as an afterthought. At FBC it’s a discipline: we manage the entire recovery lifecycle in-house, and we’ve run it for years.
- Every eligible claim identified
- Every filing complete & on time
- Every reimbursement tracked to the dollar
Recovery Ledger
Live- CLM-2204 FLAGGED crossed specific deductible
- CLM-2204 FILED spec claim filed with carrier
- CLM-1877 TRACKING carrier follow-up, day 14
- CLM-1652 RECOVERED reimbursement received
- CLM-1652 RECONCILED posted back to plan assets
- PLAN-AGG CURRENT aggregate accumulator updated
Illustrative: how our recovery desk works a plan
- 1
Monitor
Every claim in your plan runs against your specific deductible and aggregate corridor, continuously, not at renewal.
- 2
Detect
Claimants approaching a spec threshold are flagged before they cross it. Nothing sneaks past the line.
- 3
File
Spec and aggregate claims filed with your stop-loss carrier: complete, documented, inside every window.
- 4
Track
Every filing is chased to resolution. Carriers don’t get to go quiet on your money.
- 5
Recover
Reimbursements reconciled back into the plan to the dollar, with year-end aggregate settlement handled.
03 / What We Run
Full-service administration,
no loose ends.
Eligibility Management
Automated enrollment feeds, real-time adds and terms, and an eligibility file your carriers can actually trust.
Learn more →Consolidated Billing
All carriers and coverage lines on one reconciled invoice. Pay once, and know exactly what you paid for.
Learn more →Claims Processing
Clean claims adjudicated in days with a 98.3% accuracy rate. Exceptions get human review, not a form rejection.
Learn more →Stop-Loss Recovery Our edge
Spec and aggregate claims filed, tracked, and recovered: the full lifecycle, managed by people who do it every day.
See how it works →Financial Oversight & Reporting
Plan-level reporting that tells you where the money went, what is trending, and what to do about it.
Learn more →Compliance & Transparency
Transparency in Coverage files, appeal administration, and the regulatory grunt work handled without drama.
Learn more →04 / How We Work
Switching TPAs is scary.
It shouldn’t be.
A transition plan measured in weeks, not quarters. Your data, your deductible credit, and your members handled like they’re ours. Because from day one, they are.
- 1
Discovery & plan review
We read your plan documents, your renewal, and your last twelve months of claims before we say a word about solutions.
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Design & data migration
Eligibility files, accumulators, and history move over clean. Members never notice the seams.
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Go-live & enrollment
ID cards out, portal live, member services briefed on your plan before the first call comes in.
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Run, report, refine
Claims move, recoveries get filed, reports land on schedule, and a named contact answers when you call.
Part of something bigger
The Trinity ARM family.
FBC is the TPA inside the Trinity ARM group: level-funded plans, pharmacy benefits, and audit & recovery under one roof. One accountable partner instead of five vendors pointing at each other.
05 / Let’s Talk
Talk to a person. Today.
Tell us about your plan and where it hurts. We’ll show you what better administration and real stop-loss recovery look like, using your own numbers.