Clark & Lavey’s InCap® group captive program continues to offer the best opportunity for mid-sized groups to lower health insurance costs without cutting the quality of their benefits program. As an alternative to traditional insurance plans, our proven employee benefits captive plan helps you leverage the bargaining power of a large census to reduce premium costs, lower risks, and optimize tax savings. By steering clear of commercial insurance companies, you’ll avoid volatile pricing changes. Plus, you will ensure that your plan meets your specific needs at a price that’s right for you.
Employee Benefits Captives Deliver Results
Along with reduced costs, employee benefits captives members also enjoy receiving profits from their InCap savings. The total distribution of profits for InCap members since inception is now $4.6 Million!
Lower Costs and Collect Profits with InCap®
When you crunch the numbers, the choice is clear! Since its inception, InCap members have saved approximately $59 Million in total claims cost savings, compared to if they had remained with a commercial insurance agency. Plus, InCap members are currently averaging $414,000 per year in annual PBM rebates.
About InCap®
InCap provides an alternative to traditional, fully insured health insurance plans that require fixed insurance premiums– one that keeps the annual profit. Instead, InCap profits are annually distributed to member companies. When in a group medical insurance program, you gain access to medical and claims data. All with an employee benefits advisor to guide you. With that data and through the best carriers, you gain control of your plan’s design. As a result, you can better meet your employees’ needs. You will also have access to an array of wellness programs, cost containment strategies, and more. So you can have happier and healthier employees.
To find out more about how our InCap group captive program can help you mitigate risk, dramatically lower your employee health insurance costs, and improve your balance sheet, call us at 603.883.3773 or email us for an appointment.