An excellent option for employers looking to stem rising health care costs while still providing exceptional coverage for their employees.
Over the last two decades, the average employer costs for family premiums have more than tripled for companies of all sizes. As these costs continue to rise, smaller and mid-sized companies are increasingly looking to leverage the benefits and increased control of self-funded health benefit plans. While many companies lack the scale to completely self-fund their health programs, there is another way to achieve similar benefits: through medical stop loss group captive programs.
Medical stop loss captives may be an option for both self-funded companies, as well as fully insured companies looking to move to self-funding. Contact us to learn how captive insurance can leverage the power of a medical stop loss group captive by combining the buying power of like-minded companies to enjoy many of the benefits of a self-funded health insurance program.
Get StartedWe minimize operational costs by unbundling services and reducing overhead. These savings go straight back to the group captive owner’s bottom line.
Traditional insurers develop premiums based on industry averages and state rates. We use the insured’s individual loss history to determine a custom premium.
As a group captive member and insurance owner, you could be less susceptible to the ever-increasing and unpredictable costs imposed by conventional insurers.
Our captive clients devote a significant portion to loss prevention to help members improve risk control methods and reduce factors that commonly lead to losses.
Group captives are able to return unused loss funds in the form of dividends. Members can also earn investment income on capital and cash collateral.
Our process focuses on driving claims to closure and lowering costs. As such, member-owners are actively involved in claims administration.
We assist captives in tailoring coverage for their specific needs, and work to ensure that coverage offerings continue to align as the captive grows.
We support our captive clients — from risk control and safety services to claims advocacy, finance, investment, underwriting, meeting facilitation, and more.
Find out how Captive Resources
can benefit your business.