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
1901 Butterfield Rd., Suite 920
Downers Grove, IL 60515
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 = Dividends
Not all “stability” is equal. We’re at 3.1% and -6% trend when factoring in the dividend. How does that compare to other program managers you’re listening to?
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 all (not some) of our captive owner-members carry organ transplant coverage. No other captives are doing this.
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 medical insurance costs caused by lack of control and transparency.
Our Client Stories
“Our subsidiary Presidents love this, the CFOs love this because they don’t have to worry about renewals, they don’t have to worry about the costs, they know exactly what it’s going to be, and we’re able to manage our costs.”
– Terrie Ames
Benefits & Wellness Administrator, M-L Holdings
“Everlong continues to impress our team and our members with their full transparency and strategic recommendations, so the captive members (the actual owners) are in control, yet have someone else doing the heavy lifting for them.”
– Kyle Ray, MAcc
Principle at TrueNorth Companies, L.C
“Making a move from a fully-insured program to a self-funded captive model can be overwhelming for clients. Working with the Everlong team, I was very impressed with the level of detail and simplification they provided throughout the transition process.”
– Broker Partner
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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.