Lawley Proactive Health is Lawley’s Health Insurance Captive Solution
Self Insurance Without All Of The Risks
Do you feel left in the dark about where your health insurance costs go? LAWLEY PROACTIVE HEALTH, our health insurance captive program gives you transparency in claims data and the potential to save significantly for the healthcare costs you don’t use. For companies with 100 or more employees, LAWLEY PROACTIVE HEALTH is a creative health insurance captive solution without the risk of self-insuring on your own. As a member of our health insurance captive program, you gain Lawley’s in-house expertise in strategic planning, underwriting, analytics, reporting, health care reform, compliance, health management, corporate wellness and more.
In a health insurance captive, employer groups join together and share the advantages of being self-insured without the stand-alone risk. Your risk is mitigated by joining together with other like-minded employer groups to leverage size and predictability with an emphasis on wellness and disease management.
Why Choose a Health Insurance Captive?
- Lower cost
- Join a group of employers with common goals and objectives
- Long-term pricing stability
- Opportunity to learn best practices from members
- Gain all the advantages of self-insurance
- Cost containment opportunities, wellness programs, and more!
Health Insurance Captives and Loss Control
A health insurance captive program encourages employee engagement for wellness and disease management. Our member organizations participate in multiple cost containment programs focused on managing high dollar claims. These programs provide concierge treatment to members experiencing certain medical conditions. Additionally, members have access to a robust corporate wellness program that prioritizes preventive screenings and provider engagement. Lawley will help measure employee engagement and the effectiveness of corporate wellness programs as well as utilizing one-on-one lifestyle coaching to promote and engage members in healthy behaviors.
Understanding the funding layers of Lawley’s Health Insurance Captive
Stop Loss Protection- Insurance Company
- Catastrophic Loss Protection
- Fixed Cost
- 13% of the Funding
- All Captive Member Companies
- Disease Management
- Fixed Cost *
- 20% of the Funding
- My Company
- Employer Self-Funding
- Variable Cost *
- 60% of the Funding
* Eligible for return to member company
See how a Health Insurance Captive has helped other businesses
Professional Services case study
“You have to be vigilant in your efforts to control costs and by joining a health insurance captive, Lawley gave us the tools to do it” – Sam Heleba, President & CEO – Graphic Controls
If your are interested in becoming a captive member, or just want to learn more,
contact our Employee Benefits Captive Consultant, Laura Fairbrother.
Laura Fairbrother
Employee Benefits Captive Consultant
As an employee benefits captive consultant, Laura specializes in
employee benefits, group captive insurance,
and alternative risk strategies.
lfairbrother@lawleyinsurance.com
716.849.8676
Check our FAQ for quick answers.
- What physician network will be available to our employees?
- How are my company’s costs and exposures determined?
- Who handles enrollment, employee questions, etc.?
- Does property insurance cover me in the event of a flood, fire or earthquake?
- How do I protect my properties from vendors and/or tenant liability?
- What if a tenant causes damage to my building?