Why Self-Funding? You’ll Notice the Difference — Your Employees Won’t
Roundstone Insurance Blog
by Matt Gallagher
3d ago
Highlights “Why self-funding?” is a common question we hear from HR teams and management. “How will the change affect our employees?” is another. The truth is, your employees won’t notice a difference. They will retain the same healthcare access, claims process, and benefit materials, ensuring familiarity and ease of use in a self-funded plan. Some elements of self-funding actually improve the employee experience, such as customer service, lower out-of-pocket costs, and better access to relevant and affordable services. Self-funding with a Roundstone group captive offers cost savings an ..read more
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6 Self-Funding Challenges and How to Overcome Them
Roundstone Insurance Blog
by Matt Gallagher
1w ago
Highlights   Self-funding offers a more affordable approach to health insurance for small businesses. When considering alternative health insurance arrangements, perceived self-funding challenges may make you hesitant to switch. Understanding these challenges and how to combat them can help you embrace self-funding for better coverage and cost savings. Roundstone is a leader in self-funded group captive insurance and can help you transition smoothly for cost-effective coverage.   Self-funding is a cost-effective health insurance choice for small to midsize businesses (SM ..read more
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MCF 2024 Recap: The Big Easy Approach to Self-Funding and Affordability
Roundstone Insurance Blog
by Matt Gallagher
2w ago
Last week, Roundstone’s Medical Captive Forum let the good times roll in the Big Easy. With over 400 guests, we celebrated affordable healthcare New Orleans style with great food, jazzy music, and practical tips to lowering your benefits spend without compromising care quality.    With an educational focus, MCF helps employers understand how to provide better healthcare benefits at an affordable cost through self-funded insurance under a group captive. No matter your experience in the captive, you learn new approaches to self-funding and how to tweak your plan to better optimize savi ..read more
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Roundstone’s Captive Solution for Employee Health Benefits Verified by Validation Institute for Cost Savings
Roundstone Insurance Blog
by Terri White
3w ago
New study supports the Roundstone Guarantee: Employers will save money over five years compared to fully-insured, or Roundstone will pay the difference      New Orleans, LA, May 2, 2024 – Roundstone, a trailblazer in employee health benefits, announced today at its 9th annual Medical Captive Forum in New Orleans that its group medical captive solution has been validated by the Validation Institute for cost savings. The Validation Institute found that employers who participate in the Roundstone Captive for self-funding their group health insurance have lower per member, per ..read more
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The Top Five Employer Objections to Captive Insurance
Roundstone Insurance Blog
by Rob Hamilton
1M ago
Highlights   Many small to midsize employers consider objections to captive insurance, which could deter them from unlocking the benefits of self-funding. Employers are concerned about the risks and burdens of overseeing their employee health benefits plan, fearing it could expose them to financial vulnerability. With Roundstone’s group captive, businesses combine resources and buy stop-loss insurance, allowing them to spread risk while managing their own plan, so self-funding becomes a safe and viable option to save on benefits. Roundstone offers comprehensive support with pl ..read more
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“If You Know Only One Captive…” Why Roundstone Should be the One
Roundstone Insurance Blog
by Matt Gallagher
1M ago
Highlights Because group stop-loss captives differ dramatically in collateral, cash distributions, and flexibility, many advisors prefer a single captive they recommend exclusively to clients.  Roundstone offers many advantages over other captives – lower collateral, lower fixed costs, and cash distributions returned to employers.  Faced with escalating healthcare costs, more employers are demanding solutions like stop-loss captives because the current model is unsustainable.      As Roundstone’s Executive Vice President of Sales, Rob Hamilton has clocked his fair sh ..read more
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Stop-Loss Captives vs. Traditional Insurance: How Do They Compare?
Roundstone Insurance Blog
by Matt Gallagher
1M ago
Highlights  Comparing a stop-loss captive vs. traditional insurance plan can help your small business find the most cost-effective employee benefits coverage. Traditional insurance can offer 12 months of predictable premium charges but is subject to widely fluctuating price hikes at renewal with little to no control or information as to what is driving costs. A stop-loss captive levels the playing field of risk, making self-funding a safe and predictable way for small to midsize businesses to save on premiums and offer better benefits to employees. With a stop-loss captive from Roundston ..read more
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Why In-House Underwriting is Invaluable to a Self-Funded Insurance Plan
Roundstone Insurance Blog
by Matt Gallagher
1M ago
Highlights Roundstone’s in-house underwriters provide personalized access to the risk assessment of a self-funded health insurance plan – advisors and employers can benefit from their wisdom and experience.  Underwriting its own policies in-house allows Roundstone to take a more disciplined approach to underwriting, ensuring stable, more consistent renewals.    Whether you’re an advisor or employer, there’s something special about having personal, one-on-one access to your insurance policy’s underwriter, keeping them on speed dial, so to speak.    At Roundstone, you ..read more
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Cost Calculator: How Much Can You Save with Self-Funding in a Captive?
Roundstone Insurance Blog
by Matt Gallagher
1M ago
Highlights Roundstone’s cost calculator provides a quick and easy understanding of the potential savings offered by a stop-loss captive in a self-funded health insurance plan.  Captive members tend to save about 20% annually by self-funding their benefits, compared to a traditional insurance plan.   Roundstone captive members save through a more cost-effective approach to benefits and utilize data-driven cost saving strategies to further improve the cost efficiency of their plans.      Why is health insurance so expensive? That’s likely a question you (or your c ..read more
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Empowering Maternal Health: 6 Strategies for Self-Funded Employers
Roundstone Insurance Blog
by Matt Gallagher
2M ago
Highlights  The U.S. has serious gaps in maternal health coverage for women compared to other industrialized nations. Women of color and underserved populations are at an even higher disadvantage, with a lack of access to high-quality coverage and providers. To promote maternal health at your company, you can use a self-funded health plan to implement women-focused healthcare strategies. Solutions like access to specialists, educational materials, and mental health support can help you see a more productive, happier, and healthier female workforce.   Maternal health is at the ..read more
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