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