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Insurance & Financing

Our proprietary methodology of assisting our clients is comprised of 3 steps:

1).  Assessing the health risks of each client,

2).  Managing those risks to the best of our ability, &

3).  Appropriately financing the risk as necessary.

One size does not fit all when it comes to insurance and appropriately transferring risk. Some risks are better handled under a fully insured model, while others can easily be self insured.  We also recognized that not all employers are comfortable with self insurance, and for that reason we have developed solutions that between these two extremes.In all areas of our firm, we believe strongly in exploring ALL possible risk transfer techniques.

  • Traditional Guaranteed Cost / Fully Insured Programs
  • Partial Self Insurance
  • Large Deductibles
  • Retrospective or Loss Sensitive Programs
  • Captives

Our Medical Team
Copyright: orla / 123RF Stock PhotoCopyright: focalpoiiint / 123RF Stock Photo

We really appreciate our relationship with ECM that has been built over the past 15 years.  They continue to help us meet each new challenge as it arrives.

- Attorney Firm Client

ECM came in and began to show us ways to save money about 3 years ago.  They were able to show us some areas of opportunity regarding cost savings that we previously never knew were possible.

- Manufacturing Client

Our team at ECM continues to exceed our expectations.  Whether it is through helping us analyze and reduce risk, or servicing our day to day needs:  they never disappoint.

- County Government Client

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  • Self-Funding White Paper
  • Grandfathering
  • Consumer-Driven Health Plans
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  • Wellness White Paper

Our Story on Cost Reduction

  • Taiwanese Healthcare
  • The Asheville Project
  • Claims Management
  • Financial Impact
  • Insurance & Financing
  • Medical Team

What Clients Said They Wanted . . .

  • Reduce Costs
  • Lower Administration
  • Healthcare Reform
  • Return on Investment
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