About Us
Our service is backed by over 80 years of proven health care claims and benefit administration experience and knowledge.Experience Unmatched.
MedBen has served the health benefits needs of employers both large and small since 1938. Over the decades, we’ve transitioned from basic hospitalization to comprehensive coverage, and from traditional health insurance to self-funding administration. But we continue to draw on our decades of experience so we can provide clients with the most effective and cost-efficient benefit management solutions.
MedBen offers total pricing transparency, so clients know that what they pay for health care accurately reflects its true cost… no undisclosed fees or hidden third-party disbursements. Our service model is built around the voice of the customer and continuous improvement.
Executive Staff
Stability is at the core of MedBen leadership. Our Executive Staff has been with MedBen an average tenure of 27 years and are recognized experts in benefits management.
Kurt Harden
Chairman and Chief Executive Officer
Serving MedBen clients since 1991
Kurt Harden oversees the development of innovative cost-saving solutions and long-term strategies for clients in the areas of clinical claim review, pharmacy benefit coverage, wellness and value-based care. He is also active in his community, serving in a variety of volunteer and elected positions with local business, governmental, and educational organizations.
Caroline Fraker
President, Chief Operating Officer and Chief Privacy Officer
Serving MedBen clients since 1992
A 40-plus year benefits veteran, Caroline Fraker leads the MedBen team and assists clients with regulatory compliance issues. She is Past Chair of the Board of the Society of Professional Benefits Administrators (SPBA) and a member of the Licking County Chamber of Commerce Government Affairs Committee.
Wendell Crain
Vice President of Information Systems and Chief Security Officer
Serving MedBen clients since 2003
Wendell Crain oversees MedBen’s comprehensive security measures, including electronic data privacy, disaster recovery and business resumption planning, and loss and fraud prevention. His other chief responsibilities include maintaining the performance of hardware and software assets and ensuring availability of computer resources.
Brian Fargus
Vice President of Sales & Marketing
Serving MedBen clients since 2000
Brian Fargus directs MedBen’s sales and marketing efforts, including its self-funded services, pharmacy solutions, wellness program and consumer-driven products. He has been in the insurance industry since 1992, working in life insurance, HMO, Medicare Advantage, and brokerage services before joining MedBen.
Lori Kane
Vice President of Administrative Operations
Serving MedBen clients since 1989
Lori Kane provides leadership for MedBen’s Claims, Client Services, Administration and Specialty Services Departments. Her talent for handling a wide range of administrative responsibilities allows MedBen to have both claims production and client service processes under the same management umbrella.
Ed Nydegger
Vice President of Finance and Treasurer
Serving MedBen clients since 2010
Ed Nydegger oversees accounting operations and treasury and payroll administration. A veteran of the United States Air Force, Ed holds a Master of Business Administration from Capital University and Bachelor of Science in Business Administration from The Ohio State University.
Self-funding Saves. MedBen Delivers.
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Benchmarking
MedBen Analytics' benchmarking capabilities enable you to compare your data against state and national norms and/or specific industries. You can narrow your benchmarks by plan type, number of lives and other metrics to get a true measure of how your plan stacks up.
Your benchmarking choice is immediately reflected on the dashboard content.
Straight RBP
Providers receive fair reimbursement by using Medicare pricing as the primary source of repricing. And because your plan no longer has a PPO, your plan members can go anywhere they choose for medical care.
Pharmacy Cost Plus Pricing
RBP for your prescription drugs.
Layered RBP
Target high-cost medical treatments, such as kidney dialysis.
An Extensive Reporting Library
Once you've chosen your population, reporting period and benchmark preferences, just sit back and watch MedBen Analytics go to work for you. Dozens of charts, graphs and tables, instantly generated. Our financial, clinical, risk and savings reports show you what is working with your plan while highlighting areas of potential improvement.
FSA Store is the largest online marketplace for guaranteed FSA-eligible products, helping flexible spending account holders manage and use their FSAs and save on more than 4,000 health items using tax-free money. You can pay for purchases using your MedBen FSA debit card so they are automatically noted on your account balance.
Use these convenient links for finding FSA-eligible products and calculating your FSA tax savings. FSA members can check their current account balances by visiting MedBen Access or downloading our mobile app from the Apple App Store or Google Play (search for "MedBen").
Use this secure 24/7 service portal to access claims and benefits information. MedBen Access enables you to:
- Check claims status
- Review benefit coverages
- Download explanations of benefits (EOBs)
- See deductibles, out-of-pocket costs and calendar maximums
- Look up drug information, compare local pharmacy prices and check availability of lower-cost equivalents
- Review FSA and HRA activity and balances
- Check wellness exam and screenings compliance (for WellLiving members)
If you need assistance logging in to MedBen Access or using its features, please contact MedBen Customer Service at 800-686-8425.
MedBen Access is also available as a mobile app with the same great features! Download it from the Apple App Store or Google Play (search for "MedBen").
Download the MedBen Client Report
Please register to download the Client Report. Thanks!
Frequently Asked Questions about using the debit card (PDF).
Download a list of participating pharmacies, discount stores and supermarkets that can identify FSA-eligible items at checkout using an Inventory Information Approval System (IIAS).
Download a list of participating pharmacies, discount stores and supermarkets that do not use IIAS, but 90% of whose sales come from medical care items (thus making them FSA-eligible).
Medical Solutions.
MedBen will work with your clients to find the best solution to meet specific employee population needs. Increasingly, organizations are going outside the PPO box and turning to direct-to-employer contracting, reference-based pricing, and other alternative reimbursement strategies with set pricing that makes it easier to predict expenses. And their members can visit the doctors they prefer and still realize lower out-of-pocket costs.
Pharmacy Solutions.
MedBen will work with your clients to find the best solution to meet specific employee population needs. Increasingly, organizations are going outside the PPO box and turning to direct-to-employer contracting, reference-based pricing, and other alternative reimbursement strategies with set pricing that makes it easier to predict expenses. And their members can visit the doctors they prefer and still realize lower out-of-pocket costs.
Medical Solutions.
MedBen will work with your clients to find the best solution to meet specific employee population needs. Increasingly, organizations are going outside the PPO box and turning to direct-to-employer contracting, reference-based pricing, and other alternative reimbursement strategies with set pricing that makes it easier to predict expenses. And their members can visit the doctors they prefer and still realize lower out-of-pocket costs.
Pharmacy Solutions.
MedBen Rx follows a simple philosophy: The client's money belongs to the client. Our pharmacy solutions are designed to get members the right drug at the lowest cost, with total transparency to the employer. These include:
- Pricing solutions that ensure clients pay just what the pharmacies pay.
- Appropriateness solutions to find the most effective drugs at the best cost.
- Access solutions that give members new ways to lower their drug cost.
Direct-to-Employer Contracting
Many MedBen clients blend their RBP plan with direct-to-employer (DTE) contracts, which promote the use of quality care through local providers. In exchange for encouraging members to visit contracted facilities, providers bill the plan at mutually agreed-upon rates.
MedBen has been facilitating DTE contracting for over a decade with doctors and hospitals across the Midwest, and we continue to gain access to more exclusive DTE contracting. This strategy ensures that when members utilize area providers, they receive the best pricing options available.