We are the transparency company.
Medical Captive Underwriters provides solutions to smooth and lower employer insurance costs.
Our primary focus is health insurance for employees and their family members. By utilizing alternative risk transfer tools including group and agency captives, we can lower medical trend and medical spend. Our solutions are distributed through independent agencies nationally.
We operate independently from insurance carriers, insurance agencies and claims administrators on behalf of the employer working though the employer’s trusted advisor.
Think about it this way...
You call a plumber when there is water unexpectedly in your house where it does not belong. They know where the leak is and how to fix it. If your fully insured insurance cost is leaking and draining your profits- we can help stop the leak!
WHY MEDICAL CAPTIVE UNDERWRITERS?
We manage the insurance operations in partnership with agents and administrators. Employers can focus on recruiting and retaining the desired employee base.
We make the complicated simple. You can expect jargon-free solutions.
We report employers experience statements quarterly in a transparent manner. Simple and straightforward, jargon free format.
Partial self-funding offers transparency and control to employers allowing to locate and fix the leakage in your medical spend. Is your healthcare spend impacted by specialty pharmacy, high cost maintenance pharmacy or an infrequent, catastrophic claim that will impact your renewal but not actually incur the same cost level year over year?
Medical Captive Underwriters
ClearCaptive is a national heterogeneous, open access group captive allowing "risk sharing" for middle market employers. Launched January 2015, ClearCaptive smooths renewals while lowering medical trend and spend for enrolled employers.