High Performance Health Insurance Captives
With our captive cells limited to 50 owner groups, you get to join like-minded employers creating the “Goldilocks Zone” that provides stabilizing economies of scale with the social dynamic benefit of owner-member shared learning, problem-solving, and collaboration. You deserve more from your insurance.
Only pay for claims incurred and premium used, which means significant savings in good claims years over staying fully insured or traditionally self-funded
Receive highly actionable data on the claims you pay, which helps you focus on the right trends and issues
Instead of passing profits to stop-loss carriers or fully-insured carriers, the groups retain those excess dollars
GROUP HEALTH INSURANCE MADE BETTER
Healthier, happier employees with lower insurance costs
We partner with employers to move beyond standard “well being” programs and focus on innovative and data-driven wellness, and population health initiatives.
Use Positive Peer Pressure
We’ve all heard that peer pressure is “bad” and although that’s arguably true, there is new research that indicates how positive peer pressure creates a social advantage. And within the field of behavioral economics, human behavior is explained as being shaped by certain influences like social pressure.
Invest In What Works
In today’s economy, the allocation of resources provides little margin for error. It’s no longer sufficient to invest in what’s working today, you must also be able leverage analytical insights to successfully navigate what’s working tomorrow and just as importantly, what’s not working and should be divested from.
Every So Often, We Leap Ahead
We’re all fighting a war against increasing medical costs. At Everlong, 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.
EVERLONG EDGE PODCAST
Game Changer: How One Employer Got Off The Hamster Wheel
Watch Everlong’s Founder and CEO, Doug Truax, and special guest and employer, Terrie Ames, as they discuss why Terrie’s company ML Holdings joined the Longbow Employee Benefit captive in 2010, their 8-figure cost savings to date, and why limiting captive cells to no more than 50 owner groups, is the “Goldilocks Zone” that provides stabilizing economies of scale with the added benefit of owner-member shared learning, problem-solving, and collaboration.
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? All of our owners know 100% what’s going on.
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 (compensation as a percentage of increasing premiums). 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.
STABILITY IS THE NEW PERFORMANCE
Solid Foundations Every Step of the Way
Here at Everlong, we’ve developed a purpose-built high performance health insurance captive model that’s nimble enough to navigate the foggy path ahead while designed specifically to help mid-size employers achieve industry-leading stability and performance during these uncertain times—without having to cut benefits, shift costs to employees, or pay more.
Everlong LEAP ™
Fast track your success. Take the leap with the employers already in. Learn, share, improve.
Everlong ELEVATE ™
Our Owner Experience team works with you to continuously elevate what’s possible. Our work never stops.
Everlong ENGAGE ™
Timely emails designed to increase engagement and provide ongoing education within your high performance health insurance captive cell.
What They’re Saying
“In order to adapt to the changing needs of organizations, Everlong has invested in top-notch talent and cutting-edge technology. They take nothing for granted and will always work in the best interest of our clients.“
“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.”
BREAK FREE FROM TRADITIONAL WAYS OF THINKING
Resources & Thought Leadership
Commoditized Captives & Why “Elegance Without Warmth Is Arrogance” One of the most insightful business quotes is from Horst Schulze, former CEO of Ritz-Carlton, “Elegance without warmth is arrogance.” Let’s unpack that for a minute. During an interview with...
What You Need To Know About Captive Health Insurance 2020 was a tough year for employers. The pandemic and economic shutdown presented companies with multiple financial challenges, and rising health-related costs only added to the problem. Even worse, many companies...
THE COMPANY Healthcare company specializing in rehabilitation and skilled nursing with more than 100 beds and 30 years serving their community. Additional services include adult daycare, respite, dementia, respite, palliative, and hospice care. THE CHALLENGE Prior to...
THE TIME FOR CHANGE IS NOW
Don’t get left behind, stuck with the same unremarkable status quo. Realize your full potential.
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.