Roundstone Insurance Blog
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Based in Lakewood, Ohio, Roundstone specializes in offering affordable health benefits for small to mid-size businesses nationwide. As a health benefits captive, they provide self-funded solutions, uniting employers through a self-funded medical group captive. Their insights on employer health benefits and self-funded health insurance in a group medical captive help businesses stay informed..
Roundstone Insurance Blog
1d 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
Roundstone Insurance Blog
1w 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
Roundstone Insurance Blog
3w 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
Roundstone Insurance Blog
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
Roundstone Insurance Blog
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
Roundstone Insurance Blog
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
Roundstone Insurance Blog
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
Roundstone Insurance Blog
1M 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
Roundstone Insurance Blog
1M ago
Highlights
Top-tier benefits are one of the best ways to improve employee retention and prevent the expense of hiring and retaining your workforce.
Group captives offer smaller companies a way to self-fund for better control and flexibility over healthcare benefits.
With benefits like customized plan design, data transparency, and cost savings, Roundstone’s group captive model can help you provide high-quality benefits to your team.
Choosing Roundstone guarantees savings after five years and can lead to improved employee retention, thanks to increased engasgement and job sat ..read more
Roundstone Insurance Blog
1M ago
Healthcare, by its very nature, provides a deeply personal service to us all. Yet, I’ve watched with growing concern as this essential service has become increasingly impersonal, driven by a labyrinth of intermediaries and misaligned incentives that distance it from the very people it’s meant to serve.
This rift not only impacts the quality of care delivered but it also results in untenable cost increases for employers who sponsor health plans for their employees. Employee contributions for family coverage increased 47% over the past decade, while employees’ satisfaction with thei ..read more