Author Archive | Mike Schroeder

Medical Stop Loss Group Captives

A Group captive approach to insuring your medical expense risk is one of the many strategies escalating medical costs head on. Take control by not only improving your approach to how health care is delivered to your organization, but how the insurance dollar is spent and returned. When the best possible cost containment services are combined with an efficiently built risk retention facility, the conclusion that a Medical Expense Group Captive offers the lowest cost solution for insuring your health care is evident.

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Physicians Look to the Captive Solution Once Again!

Physicians Look to the Captive Solution Once Again! By: Michael A. Schroeder As published in Captive Review magazine: Long History Physicians have long been a leading innovator in the captive marketplace. In part out of necessity, many physicians turned to the captive market in the eighties and early 2000s for a viable alternative to the […]

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Healthcare Delivery and Its Financing Growing Closer

As published in Becker Hospital Review June 2014 Patient Protection and Affordable Care Act abuse Healthcare reform is certainly receiving its share of abuse. Whether the conversation is local or national, private or public, one is sure to hear how the PPACA is nothing but bad news. Job destruction and the ruin of one’s ability […]

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How Can a Purchasing Group Work for You?

The organizational process is much like any new insurance organization. There is the entity organizational process and the insurance regulatory application process. The States require specific registration information and forms for each new purchasing group either formed or intending to do business in their state.

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Wellness & ROI

Because of several factors including double digit premium rate increases, loss of control under healthcare reform and innovative health insurance programs that return dollars when health care costs are reduced, wellness programs coupled with financial incentives are becoming all the rage. Why not, they provide a great opportunity for both employer and employee to work together and reduce health care expense for each.

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Cell Captives are the Right Move

Whether a captive insurance company is right for you depends upon your particular risk or exposure, the size of your business and the activity or inactivity of the traditional insurance market. Fortunately, the ability to enter or exit the captive market has become a lot easier through cell or segregated account captive companies.

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What is the Cost of Solvency?

The Group Captive offers most of the same benefits of a SIG along with a built in compliance program in the form of a regulated policy issuing company or front. Risk sharing, customized claims and loss control, experience underwriting and premium savings are all available from a Group Captive program.

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The Group Captive Looking Good

Recent news highlighting court decisions, legislative action and market dynamics is providing a boost to the group captive insurance approach. Considering the financial implications of choosing another form of group or pooled insurance for your workers’ compensation or health benefits, group captives present a compelling and convincing alternative.

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