As a benefits consultant, we’re always looking for better solutions for our clients. One of the ways we put healthcare control and transparency back in the hands of employers is through Self-funding and Stop-loss Captives. Utilizing these types of programs can help stabilize costs and put employers back in the driver seat.

Self-funding benefits provides the employer with total transparency around plan expenses. The employer pays fixed costs and only the incurred variable claim costs. Any money not spent on claims is retained by the employer.

While each group is different, our groups are usually underwritten through the carriers to receive more competitive rates. On average, we help our new groups find rates 15-25% lower than their existing plan…without sacrificing quality of coverage.

One thing that makes us unique is that our clients work with the owner and/or broker who wrote the plan, so they don’t have to worry about working with a different broker or being passed to someone new every year.