{"id":20404,"date":"2021-11-11T16:12:38","date_gmt":"2021-11-11T21:12:38","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=20404"},"modified":"2023-06-20T11:23:52","modified_gmt":"2023-06-20T15:23:52","slug":"captive-insurance-advisors-what-to-expect-at-renewal-time","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/captive-insurance-advisors-what-to-expect-at-renewal-time\/","title":{"rendered":"Captive Insurance Advisors: What to Expect at Renewal Time"},"content":{"rendered":"<p><strong>Highlights:<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>With Roundstone, plan renewal is part of a long-term strategy, not a once-a-year premium increase.<\/li>\n<li>Roundstone plan members have full access to their claims data and year-round opportunities to identify cost-containment opportunities.<\/li>\n<li>Roundstone\u2019s Strategic Relationship Managers begin collecting data from advisors months before the renewal date.<\/li>\n<li>It is important for advisors to talk to Roundstone about their current TPA, network provider, and PBM to get a custom-fit plan for their clients.<\/li>\n<li>Advisors should expect to discuss cost-containment strategies, size changes, staffing changes, and helpful insights about their client\u2019s healthcare needs.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p>As renewal time approaches for employee healthcare benefits, many small and midsize business owners are bracing themselves. Traditionally, plan renewal time has been an unpleasant experience that leaves employers with an unexplained premium hike and no control over the situation.<\/p>\n<p>&nbsp;<\/p>\n<p>Roundstone is different. Our business model has always been to watch what the mega carriers are doing, and do the opposite. Plan renewal is no exception. Here\u2019s why.<\/p>\n<h2><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>\u201cPlan Renewal\u201d With Roundstone Is An Ongoing Process<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>At Roundstone, plan renewal is not a \u201cone-and-done\u201d annual event with a take-it-or-leave-it premium increase. We view these annual check-ins as part of a long-term strategy that allows you and your clients to tweak their plans and implement cost-containment measures throughout the year.<\/p>\n<p>&nbsp;<\/p>\n<p>Unlike renewal time with a fully insured carrier, when you meet with your clients, they will have full access to their claims data with flexibility and control over changes made to their existing plans.<\/p>\n<p>&nbsp;<\/p>\n<p>As part of that process, our Strategic Relationship Managers (SRMs) will meet with you each year to evaluate your clients\u2019 captive plans. These conversations better equip the underwriters and cost-savings investigators (CSI Team) to <span style=\"text-decoration: underline;\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/about-roundstone\/\">customize your clients\u2019 insurance plans<\/a><\/span> to save them money while ensuring the best possible coverage for their employees.<\/p>\n<p>&nbsp;<\/p>\n<p>There are three main themes your SRM will discuss with you: claims analysis and cost-containment strategy, plan setup, and business structure and demographics.<\/p>\n<h2><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Claims Analysis and Cost-Containment Strategy<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>One of the first actions that Roundstone\u2019s SRMs will take leading up to the renewal date is to work with you to analyze your client\u2019s claims data to discover potential cost-containment strategies and gaps in coverage.<\/p>\n<p>&nbsp;<\/p>\n<p>After analyzing your client\u2019s data, our cost-savings investigator (CSI) team will compare them with national benchmarks and offer cost-containment strategies designed to help lower the costs of expensive services such as primary care, ER visits, and pharmacy.<\/p>\n<p>&nbsp;<\/p>\n<p>Many suggestions are for bolt-on strategies like condition management education, mental health services, or the implementation of an incentivized employee well-being program. They can also come in the form of highly discounted rates on high-cost prescription drugs.<\/p>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16351 aligncenter\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/smiling-woman-holding-a-document.jpeg\" alt=\"smiling woman holding a document\" width=\"512\" height=\"298\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/smiling-woman-holding-a-document.jpeg 512w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/smiling-woman-holding-a-document-300x175.jpeg 300w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Plan Setup<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>In the world of group captive insurance, the plan setup refers to the three overarching partners that make up your client\u2019s insurance plan. These are your third-party administrator (TPA), network providers, and pharmacy benefits manager (PBM).<\/p>\n<p>&nbsp;<\/p>\n<p>To help your client create custom-fit coverage, Roundstone is looking for answers to two big questions, \u201cHow is the current setup working for you?\u201d and \u201cHow has the service been?\u201d<\/p>\n<h3><\/h3>\n<p>&nbsp;<\/p>\n<h3><strong>TPAs<\/strong><\/h3>\n<p>Third-party administrators provide you with <a href=\"https:\/\/www.investopedia.com\/terms\/t\/third-party-claims-administrator.asp\">claims processing and employee benefits management services<\/a>. Essentially, your TPA takes care of the administrative work related to your client\u2019s health insurance.<\/p>\n<p>&nbsp;<\/p>\n<p>A TPA simplifies the process and reduces the possibility of errors. The TPA plays a large part in how smoothly your client\u2019s group captive plan operates. Your SRM will want to discuss what is working well and what may need to change so that Roundstone can help you make adjustments at renewal time.<\/p>\n<h3><\/h3>\n<p>&nbsp;<\/p>\n<h3><strong>Network Providers<\/strong><\/h3>\n<p>Network providers are healthcare professionals, such as doctors and hospitals, where your client can receive care under their plan. If you have found that the network is too limited or that several healthcare providers offer substandard care, bring this up with your SRM so it can be adjusted.<\/p>\n<h3><\/h3>\n<p>&nbsp;<\/p>\n<h3><strong>PBMs<\/strong><\/h3>\n<p>Pharmacy benefits managers play a significant role in finding your client deals on costly prescription drugs.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/what-your-fully-insured-insurance-carrier-doesnt-want-you-to-know\/\"><span style=\"text-decoration: underline;\">Traditional PBMs<\/span><\/a> usually work for fully insured insurance carriers, who don\u2019t pass savings on to the policy holder. However, with a <span style=\"text-decoration: underline;\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/group-medical-captive-insurance\/\">group captive plan from Roundstone<\/a><\/span>, you have access to <span style=\"text-decoration: underline;\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/?s=secret+weapon\/\">transparent PBMs<\/a><\/span> who pass discounts and rebates on to your client so that they save money.<\/p>\n<p>&nbsp;<\/p>\n<p>Let your SRM know if a client\u2019s current PBM is not meeting their needs. They can recommend PBMs who work in the best interests of their clients.<\/p>\n<h2><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Review of Business Structure and Demographics<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>Big changes in your business structure or employee demographics will affect your client\u2019s healthcare insurance plan. <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.bls.gov\/ooh\/business-and-financial\/insurance-underwriters.htm\">Underwriters have to consider these types of changes<\/a><\/span> when renewing the policy.<\/p>\n<p>&nbsp;<\/p>\n<p>The two most common changes you\u2019ll want to discuss are whether the decision-makers in the company have changed and whether the size or type of staff at the company has shifted.<\/p>\n<h3><\/h3>\n<p>&nbsp;<\/p>\n<h3><strong>Decision-Makers<\/strong><\/h3>\n<p>Changes in decision-maker roles can lead to big changes in your client\u2019s health insurance. If a new owner or HR manager is not educated on group captive plans, they may wish to switch back to a fully insured plan, which can cause the company to lose money and quality coverage. Let your SRM know about the change so you can work together to educate new decision-makers about the benefits of using group captive healthcare.<\/p>\n<h3><\/h3>\n<p>&nbsp;<\/p>\n<h3><strong>Company Growth or Downsizing<\/strong><\/h3>\n<p>If your company shifts in size, the change will affect the cost of premiums. Whether the company adds new staff or downsizes, it is important to let your SRM know so the underwriter can alter your client\u2019s plan appropriately.<\/p>\n<p>&nbsp;<\/p>\n<p>Additionally, if the company\u2019s employee demographic shifts, for example, from an older male to a younger female demographic, your coverage may need to be changed to accommodate their specific health concerns.<\/p>\n<h2><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Advisors Are In-the-Know<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>As an advisor, you likely have intimate knowledge of your client\u2019s current healthcare needs. When it comes time to renew, Roundstone needs to know what you know.<\/p>\n<p>&nbsp;<\/p>\n<p>For example, if you are aware of any big changes within the company, such as an increase in pregnancies or mental health needs or a cancer diagnosis, it is helpful to share the information with your SRM so your client\u2019s coverage can be adjusted accordingly.<\/p>\n<p>&nbsp;<\/p>\n<p>It is vital to maintain patient confidentiality when sharing this type of information; however, informing your SRM of<em> general<\/em> healthcare trends within the company can help our CSI Team find cost-containment strategies that speak directly to these situations.<\/p>\n<blockquote><p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<div id=\"attachment_16352\" style=\"width: 522px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" aria-describedby=\"caption-attachment-16352\" class=\"wp-image-16352 size-full\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/smiling-man.jpeg\" alt=\"smiling man\" width=\"512\" height=\"342\" \/><p id=\"caption-attachment-16352\" class=\"wp-caption-text\">\u201c90% of what we do is relationship building.\u201d &#8211; Dan Santora, Roundstone Strategic Relationship Manager<\/p><\/div>\n<h2><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p><\/blockquote>\n<h2><strong>The Roundstone Difference<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>At Roundstone, <span style=\"text-decoration: underline;\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/advisors\/\">relationships with trusted advisors<\/a><\/span> are of the utmost importance. We understand that for some employers, switching to a group captive can be a daunting experience. This is why we work closely with advisors like you to explain the benefits \u2014 such as better healthcare and cost-savings \u2014 to your clients.<\/p>\n<p>&nbsp;<\/p>\n<p>Our CSI team will work with them year-round to monitor your clients\u2019 claims data and identify cost-containment opportunities, many of which can be implemented without waiting for renewal time.<\/p>\n<p>&nbsp;<\/p>\n<p>Your clients will no longer be in the dark or feel helpless. With Roundstone, they will never have to brace themselves again when it\u2019s time for their annual renewal.<\/p>\n<h2><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Ready to Talk About Group Captive Insurance with Roundstone?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>Whether you are an advisor looking to join our widening advisor network or an employer curious about group captive insurance, <span style=\"text-decoration: underline;\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/contact-us\/?__mscta=3071_89658_13181\/\">contact us<\/a><\/span> to discuss how <span style=\"text-decoration: underline;\">Roundstone<\/span> can make a group captive plan work for you.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"text-decoration: underline;\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/what-your-fully-insured-insurance-carrier-doesnt-want-you-to-know\/?__mscta=3081_89658_13181\/\">To learn more about the ways insurance companies keep you in the dark, download our e-Book today.<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/what-your-fully-insured-insurance-carrier-doesnt-want-you-to-know\/?__mscta=3081_89658_13181\/\"><img decoding=\"async\" class=\"aligncenter wp-image-16354 size-large\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/They-dont-want-you-to-read-this-1024x536.jpeg\" alt=\"They-dont-want-you-to-read-this\" width=\"1024\" height=\"536\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/They-dont-want-you-to-read-this-1024x536.jpeg 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/They-dont-want-you-to-read-this-300x157.jpeg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/They-dont-want-you-to-read-this-768x402.jpeg 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/They-dont-want-you-to-read-this-1536x804.jpeg 1536w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/11\/They-dont-want-you-to-read-this.jpeg 1800w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">Highlights: &nbsp; 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\u2019s Strategic Relationship Managers begin collecting data from advisors months before the renewal date. It is important for advisors to talk [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":17300,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3334],"tags":[],"class_list":["post-20404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisors"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v25.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Advisors Can Expect At Renewal | Roundstone Insurance<\/title>\n<meta name=\"description\" content=\"Roundstone clients have full access to their data and year-round opportunities to identify cost-containment opportunities, which adds up at renewal time.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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