Virtue Health

Fully Insured vs. Self-Funding: The flaw in age-based pricing ↓ In the fully insured world, group pricing is based on age within 3 banding levels. Employers with an older average age (52+) end up paying premiums that don’t truly reflect their risk. Meanwhile, younger groups are overpaying compared to their actual risk. That’s where self-funding has the advantage, it prices coverage based on the group’s actual average age. So why aren’t older groups the best fit for self-funding? Join 5,199 benefits professionals who receive weekly healthcare insights like this one, straight from my 18 years of experience. ?? Subscribe here: https://hubs.li/Q037-F6b0

"I’ve experienced bad losses and good renewals. I’ve worked with hundreds of vendors over the past 20 years. Virtue Health, as a private stop-loss consortium, has always been a reliable partner, so when you're in a bad spot with a tough renewal, you know they will protect you. Even when they could justify increasing rates, they focus on what’s best for the group in the long term. That level of trust is rare." Much appreciated, Redmond Sherwood! Learn more about our program here: https://hubs.li/Q0379pzb0

Employers are reassessing their program managers. These 4 reasons explain why: 1. Growth Model 2. Partner Standards 3. Poor Medical Review 4. Size Requirements So what can you do? 1. Choose private pools with cost-containment requirements. 2. Join programs where the manager have high-claimant management 3. Choose a partner growth model that prioritizes results over growth. 4. Assess risk distribution policies Read our full blog post to get into the details. ???Here: https://hubs.li/Q036XLx90 #healthinsurance #healthcare #ushealthcare

Captives are the latest industry buzzword. But 1 critical factor remains overlooked: Is it a Public or Private Stop-Loss Pools? Before selecting a self-funded program, it is key to understanding how the pool operates. The wrong pool leads to double-digit premium renewals, while the right one ensures stable, single-digit renewals. As Chad Burdo, CEBS says: “Settling on Virtue as a key partner means meeting risk management requirements, ensuring all groups in the pool take smart, long-term risk management decisions.” Watch now to learn why.

From underpriced to overlooked claims and unpredictable renewals. Employers are questioning Public Captives & Consortiums. They’re repeating the same patterns you’ve seen for years in fully insured models. And 97% of the time, it all starts with program managers. Here’s what’s driving this: 1. Flawed models → Prioritizing growth over stability. 2. Weak partner standards → Letting in misaligned partners. 3. Poor medical review → Overlooking high-dollar claims. 4. Misguided size requirements → Mixing small with mid-sized groups. For employers, these flaws mean rising claims and unpredictable renewals. Know the red flags before they become too expensive. ???Get the full breakdown here: https://hubs.li/Q035Lcyn0 #healthcarecosts #employeebenefits #healthcaretrends

Your help can make a dog sleep better today ???? At Virtue Health, we believe comfort and care should extend beyond healthcare, into our communities too. That’s why we partnered with Animalibre, a shelter rescuing mistreated dogs, to donate beds that give these pups a warm, safe place to rest. A small act that makes a big difference. Every dog deserves a good night’s sleep. If you want to support Animalibre, your help can change a life today. ???Donate now: https://hubs.li/Q035s4G30 (?? Swipe to see happy pups enjoying their new beds)

Your help can make a dog sleep better today ???? At Virtue Health, we believe comfort and care should extend beyond healthcare, into our communities too. That’s why we partnered with Animalibre, a shelter rescuing mistreated dogs, to donate beds that give these pups a warm, safe place to rest. A small act that makes a big difference. Every dog deserves a good night’s sleep. If you want to support Animalibre, your help can change a life today. ???Donate now: https://hubs.li/Q035s4G30 (?? Swipe to see happy pups enjoying their new beds)

These 4 mistakes are the reasons why “Public” captives & consortiums fail: (and drain employers’ budgets ↓) 1. Buying Business at a Loss 2. Misaligned Partnerships 3. Ignoring Medical Reviews 4. Mixing Employers Learn more in our blog. ???Read it now: https://hubs.li/Q035jQfZ0 #employeebenefits #healthinsurance #ushealthcare

Virtue Health's secret to single-digit premium renewals and industry best loss ratios? You need to: Master managing high-dollar claims ↓ Learn more and get your high-resolution copy now. ???Here: https://hubs.li/Q0358-x70