Not All Captives Are Created Equal

Captives are catching on as an innovative way for small and mid-size businesses to self-fund their employee health benefits. They are proving to be a better alternative to the traditional fully-insured approach, offering more transparency, control, and savings, year after year.

However, it’s important to note that not all captives are created equal. The Roundstone Captive stands apart for a variety of reasons.

Here are the top ten:?

10. The Buck Stops Here?

As an independent, family-owned business, Roundstone is fundamentally aligned with the interests of employers. Our business model prioritizes the employer’s needs, ensuring a focus on long-term relationships rather than short-term gains. ?

9. No Collateral Damage?

Roundstone Captive requires a low collateral amount of less than 10% of premium. Unlike other captives that require multiple collateral payments, Roundstone’s is a one-time fee that is 100% returned to employers if they decide not to continue with the plan. ?

8. We Fight the Good Fight?

The unfortunate truth is that traditional insurance carriers are incentivized to keep costs high.?Roundstone’s dedicated claims team promises to eliminate unnecessary and erroneous spending so you pay only what you deserve to pay. ?

7. Backed by 'A' Players?

Roundstone is a Managing General Underwriter (MGU) for two A.M. Best 'A' Rated carriers. Unlike other captives who outsource their underwriting to large firms, our?MGU specializes in assessing risk for?mid-market employers with self-funded health insurance resulting in more accurate and competitive pricing. ?

6.?Ownership, Not Aloner-ship?

Participation in the Roundstone Captive is open to all, with no assessments or obligatory meetings. Employers are guaranteed they will always have a policy with us that can be dependably renewed year after year.?

5. Customizable Plan Design?

Our in-house plan document development enables each employer to tailor their employee benefits plan to suit the unique needs of their population, offering flexibility and alignment with?organizational goals.?

4. Data-Informed Insights?

Captive participants have access to a comprehensive analytics dashboard featuring anonymized data. Our team of experts also offers cost containment recommendations, allowing you to make informed decisions without mandating program implementation.?

3. Guaranteed Savings?

After 20 years of service, we are so confident in the power of our solution that we?guarantee its success. The Roundstone Guarantee states you will save money?within the first five years of participation, or we will make up the difference. ?

2. We’re People People?

At Roundstone, we prioritize customer service excellence. We work together as an integrated team to enhance the member experience and provide world-class service to all our customers. ?

1. We Show You the Money?

With the Roundstone Captive, you only pay for the healthcare services you use. Any unspent funds are distributed pro-rata to participants at the end of the plan year, not as credit, but as?cash.?

Whether you’re a benefits advisor or an employer, it's important to do your homework when choosing a captive. Visit our website today to learn more about the Roundstone difference.