About Us
Everlong facilitates the formation of and ongoing operation of high performance health insurance captives for Employer owners and their Brokers willing to buck the current system.
Our health insurance captive programs provide innovative brokers and employers industry leading high performance and stability.
Employers who are member-owners of the Everlong Captive take the profits that health insurance carriers make and pay that money back to themselves with an innovative insurance and funding solution. Members also reduce long-term claims costs through sophisticated initiatives to improve employee health.
Form Follows Function
What We Believe
The captive structure directly impacts its ability to manage risk and deliver a potential return.
A well-structured captive is designed to respond quickly and effectively to the ever changing realities within the market.
The result is maximum stability in premium costs and optimal performance in claims.
It is within this framework that we have formed our captives to follow high performance function.
Group Health Insurance Made Better
High Performance Captives + Culture
Everlong’s founders were innovative benefits brokers that have reimagined and redesigned employer-based healthcare by building high performance health insurance captives that actually break with tradition.
“We built this product and this system specifically for the courageous broker and the courageous employer that is willing to buck the current system.” – Doug Truax, Founder and CEO
FLORIDA
(630) 869-5365
Headquarters:
153 Fort Wade Rd
Suite 200
Ponte Vedra, FL 32081
UTAH
(630) 248-8005
Partnership Every Step of The Way
Everlong LEAP ™
Fast track your success. Take the leap with the employer-owner groups already in. Learn, share, and improve together.
Everlong ELEVATE ™
Our Owner Experience team works with our broker partners and employers to continuously elevate what’s possible. Our work never stops.
Everlong ENGAGE ™
Timely emails designed to increase engagement and provide ongoing high performance captive cell education.
The Everlong Difference
Leverage + Stability = Premium Return
Not all “stability” is equal. Our average stop loss since inception remains single digits. Provide your clients with a better way to purchase group health insurance today.
Operational Differences That Yield Results
Is your program manager focused on just the stop loss financials and ignoring claims management? All our captive owner-members are encouraged and supported to improve their claims situations.
Full Passthrough Transparency
Is your captive manager not talking to you about dividends because they are giving your dividends to other employers that don’t manage their claims?
Independent, Unconflicted, Ethical Solution
Are you working with an independent, non-private equity owned captive manager that works with multiple fronting carriers, or are you working directly with fronting carriers masquerading as a captive program manager?
Fee-Based PEPM, Not Premium Profiting
Is your program manager managing your risk or are they managing their compensation? Traditional compensation models have misaligned incentives built in. Different motivations yield different results.
What Protection For Everybody Should Look Like
There is a 58% chance a 200-life group will incur a very expensive organ transplant claim within 5 years. That’s why many of our captive owner-members carry organ transplant coverage. Do you have that same opportunity?
The Captive Layer Made Better
We’re all fighting a war against increasing medical costs. We take the current captive model used in the business liability world, modify its structure and improve its performance, enabling us to turn back the tide of ever-increasing insurance costs caused by lack of control and transparency.
Our Client Stories
Thought Leadership
Why Ownership Matters: Unpacking the Benefits of a Health Insurance Captive
In the fast-evolving landscape of healthcare and employee benefits, employers often find themselves navigating a labyrinth of choices and compromises. Health insurance serves as both a fundamental necessity for employee well-being and a persistent source of financial...
Specific Stop Loss: How It Works
HOW IT WORKS Specific Stop Loss (or Individual Stop Loss): The Stop Loss Carrier and the Owner will agree to a threshold where once an individual member’s claims exceed that amount, the Stop Loss Carrier will assume responsibility for claims paid for services incurred...
Getting the Product Right Is More Than Innovation
Getting the product right builds trust between you and the consumer. But what exactly does it mean to get the product right? With varied industries throughout the United States, is the “right” product available in a one-size-fits-all solution? Perhaps not in the way...
Partner With Everlong
Our purpose-built high performance health insurance captives are leading the way for employers to purchase group health insurance, control plan costs, and improve employee health through innovation solutions.
