By self-funding your health plan through a medical group captive which includes administrative costs, stop loss premiums, and claims, you can regain control over the program and achieve predictable expenses and potential cost savings.

Coupled with self-funding your health plan, Stop Loss Insurance kicks in once you have exceeded pre-determined claims experience thus protecting your business from the effect of an unexpected or catastrophic claim.

The group captive program is insured by an A+ (Superior) rated A.M. insurance carrier that is also a Ward’s Top Performer for safety and consistency. The team has experience in helping project funding and proactively support your participation in the captive program. This includes regular financial update calls and an annual meeting among program members.

As your partner, we’re committed to guiding HR and all stakeholders in successful implementation and utilization of this program. Employees will not be asked to do more in this program than traditional fully-insured health programs. The shared goal is to make this easier and more cost effective for all.

No. You can choose from plans that best suit your business from deductibles to covered benefits. As part of the program, resources will be provided proactively to support cost-containment before a claim occurs, and when one does, you’ll receive quick reimbursement electronically to avoid cash flow issues.