100% control over plan design and transparency relating to all medical costs. |
99% of enrolled employers experience savings in the first year.
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95% of ClearCaptive employers remain enrolled today. |
What is ClearCaptive?
ClearCaptive puts the Law of Large numbers on the side of middle-market employers.
With ClearCaptive... - Lowering medical trend increase below your annual revenue growth rate is possible. - Reduce the impact of medical inflation on your bottom line protecting an employer's profit margins and in turn the impact on an employee's paycheck. - Learn how being small can be great- lower annual increases benefiting middle market employers with more than 50 enrolled. |
What can I expect from ClearCaptive?
Control
- Plan design changes occur at the direction of the employer. Changes you make are based on actual utilization allowing employers to manage medical spend due to measurable claims detail.
- The fully insured carrier no longer dictates employer sponsored plan offering including deductible, co-pay and co-insurance.
- Employers’ trusted advisor can tailor solutions based on actual knowledge.
- Jargon free renewals and quarterly financial reporting.
- Renewal detail outlines increases or decreases in both fixed and variable.
- Cost drivers impacting your medical spend and trend are provided. When there is leaky pipe in your house you call a plumber. Allow ClearCaptive to determine where your pipes are leaking. Protect your profits from leakage!
- Employer spend is detailed by fixed and variable costs. The amount of this blend is based on employer size and cash flow.
- Frequent predictable claims, your variable expenses, paid without carrier overhead, state premium taxes or ACA assessments added to employer paid amounts.
- Risk-sharing in the captive layer can lower medical spend when unused fixed premiums are returned to all participating employers.
Why ClearCaptive?
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Medical Captive Underwriters does more than quote and renew.
Our pricing indication, financial reporting, and our financial impact on the employer’s costs are transparent. No hidden charges, no handcuffs; the Transparency Effect allows you to understand and manage the employers’ health insurance spend.
Employers run their business; Agents guide employers to better outcomes through ClearCaptive tools and financial reporting.
Health insurance remains where it belongs, part of the employer’s recruiting and retention platform.
Our pricing indication, financial reporting, and our financial impact on the employer’s costs are transparent. No hidden charges, no handcuffs; the Transparency Effect allows you to understand and manage the employers’ health insurance spend.
Employers run their business; Agents guide employers to better outcomes through ClearCaptive tools and financial reporting.
Health insurance remains where it belongs, part of the employer’s recruiting and retention platform.