Highlights -Level-funded insurance and self-funded insurance are alternatives to traditional fully insured plans. -Unlike self-funded plans, level-funded health insurance offers little control over plan elements like TPAs, PBMs, or network providers. -Self-funded group captive insurance from Roundstone provides you with full control over your insurance plan. -Roundstone’s group captive plan […]

Highlights   -A strong summary plan description (SPD) explains your insurance plan, including eligibility, to your employees.   -Roundstone allows you to customize your SPD to include cost-containment strategies.   -Roundstone offers the flexibility to choose your own pharmaceutical benefits managers and third-party administrators.     Affordable health insurance is […]

Highlights   -With Roundstone, plan renewal is part of a long-term strategy, not a once-a-year premium increase.   -Roundstone plan members have full access to their claims data and year-round opportunities to identify cost-containment opportunities.   -Roundstone’s Strategic Relationship Managers begin collecting data from advisors months before the renewal date. […]

Highlights   The Internal Revenue Code 831(b) establishes that qualifying captives may pay tax on investment income only and not their underwriting income if they write less than $2.4 million in premiums per year. Micro captives are identified as abusive tax shelters by the IRS because they are often not […]

Affordable health insurance for small and midsize businesses seems more unrealistic every year, and there are many reasons for that. This article addresses some of those barriers and discusses group captive insurance, a better alternative than fully insured insurance that saves money while providing employees with better care.    Health […]

Highlights – Group medical captive insurance allows small to midsize companies to share the risk of a self-funded insurance plan while saving money and gaining control of skyrocketing expenses. – Some self-funded health insurance solutions leverage a group medical captive. Roundstone’s group medical captive is the first of its kind, […]

Highlights – Captive insurance is a more flexible form of self-funded insurance that can help prevent you from passing increasing costs on to your employees. – Roundstone is a trusted partner in developing captive insurance plans to meet your specific needs. – We value data transparency while ensuring HIPAA compliance. […]

Employers who offer their employees a health benefits plan may want to consider adopting a stop-loss policy to obtain reimbursement for losses stemming from frequent or expensive claims. Let’s first look at why a benefits plan is important for business growth. Running a successful business requires a team of capable […]

Of the many expenses companies incur as part of doing business, health insurance is one of the biggest. To find and retain a solid pool of workers, businesses typically offer comprehensive health insurance coverage to keep their employees happy and healthy. But such insurance plans can also make a huge […]