ClearCaptive
How do we achieve these savings?
The Transparency Effect: Lowering middle market employers' healthcare spend and medical trend. ClearCaptive is the place where simplicity, savings, and support join to create something bigger: the freedom for employers to focus on recruiting, retaining and managing their employees to better align with their company’s core values. We work with the employer's trusted advisor to measure and in turn manage your healthcare spend while employers retain control over Plan offering(s).
The first step for an employer is to evolve from 100% fixed costs in the fully insured market. The fully insured healthcare market is an endless loop, the definition of insanity! Full carrier annual medical cost increases allow for increasing both the amount assigned to Medical Loss Ratio and their “imputed” overhead on top of claim’s cost added the cost of the actual claim.
Employers assuming a self insured retention reduces their fixed costs. Employer paid claims exclude carrier overhead (think Medical Loss Ratio on the low end), state premium taxes and certain Affordable Care Act assessments. Our employers now and live in this paradigm. You’ll see what we mean.
The Transparency Effect: Lowering middle market employers' healthcare spend and medical trend. ClearCaptive is the place where simplicity, savings, and support join to create something bigger: the freedom for employers to focus on recruiting, retaining and managing their employees to better align with their company’s core values. We work with the employer's trusted advisor to measure and in turn manage your healthcare spend while employers retain control over Plan offering(s).
The first step for an employer is to evolve from 100% fixed costs in the fully insured market. The fully insured healthcare market is an endless loop, the definition of insanity! Full carrier annual medical cost increases allow for increasing both the amount assigned to Medical Loss Ratio and their “imputed” overhead on top of claim’s cost added the cost of the actual claim.
Employers assuming a self insured retention reduces their fixed costs. Employer paid claims exclude carrier overhead (think Medical Loss Ratio on the low end), state premium taxes and certain Affordable Care Act assessments. Our employers now and live in this paradigm. You’ll see what we mean.
Let's dig a little deeper...
General overview of
our ClearCaptive Program. |
The numbers and more in-depth review of ClearCaptive.
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