Is your business feeling squeezed by ever-increasing health insurance premiums? You’re not alone. Traditional, fully-insured plans often lock you into fixed costs with limited control and no share in the profits. You need a captive insurance group to ease the burden.
The Hilb Captive Insurance Group Alternative
Here’s why InCap is a breath of fresh air for businesses seeking a smarter approach to employee health insurance…
Realized Savings
InCap members have enjoyed a staggering $71 million in total claim cost savings since the program’s inception. That’s real money going back into your bottom line.
Profit Sharing
Unlike traditional plans where profits go solely to the insurance carrier, InCap members share in the success. One year, member companies received a 15.4% profit share, totaling an impressive $10,509,695 distributed back to them.
Savings in Pharmacy Benefits
InCap negotiates aggressively on your behalf, securing significant savings on prescription drug costs through annual PBM rebates.
Transparency and Control
Say goodbye to black-box pricing! InCap offers clear data and cost visibility, allowing you to make informed decisions about your plan design.
Avoid Unforeseen Rate Hikes
Escape the frustration of unpredictable premium increases. InCap fosters cost stability by pooling claims across a larger group, mitigating risk and volatility.
With a Captive Insurance Group like Hilb, You’re in the Driver’s Seat
InCap empowers you to customize your plan design to best suit your company’s needs and budget. InCap is more than just cost savings, it’s a strategic partnership for long-term success.
Contact Hilb Group of New England – Merrimack today and see how InCap can help your business achieve lasting healthcare cost savings and a healthier bottom line.
Hilb Group of New England – Merrimack has been an innovator in the employee benefits market space for more than twenty years, providing clients with effective, long-term solutions to meet their health plan needs. We help employers control their health plan spending and provide resources that play a critical role in their success, including best-in-class HR services for compliance, technology, employee development and retention, regulatory assistance, and much more.