{"id":53670,"date":"2024-03-22T00:00:13","date_gmt":"2024-03-22T04:00:13","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=53670"},"modified":"2024-07-29T11:50:23","modified_gmt":"2024-07-29T15:50:23","slug":"group-captive","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/group-captive\/","title":{"rendered":"6 Ways Self-Funding in a Group Captive Enhances Employee Satisfaction"},"content":{"rendered":"<p><strong>Highlights\u00a0\u00a0<\/strong><\/p>\n<ul>\n<li aria-level=\"1\">Top-tier benefits are one of the best ways to improve employee retention and prevent the expense of hiring and retaining your workforce.<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">Group captives offer smaller companies a way to self-fund for better control and flexibility over healthcare benefits.<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">With benefits like customized plan design, data transparency, and cost savings, Roundstone\u2019s group captive model can help you provide high-quality benefits to your team.<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">Choosing Roundstone guarantees savings after five years and can lead to improved employee retention, thanks to increased engasgement and job satisfaction.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<hr \/>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-the-great-resignation-affects-employee-benefits\/\">High turnover rates are wreaking havoc<\/a> on businesses across the U.S. Nearly <a href=\"https:\/\/www.bls.gov\/news.release\/jolts.nr0.htm\">3.4 million Americans<\/a> left their jobs in January 2024, resulting in a high cost to employers.<br \/>\n&nbsp;<\/p>\n<p>When an employee quits, you may spend <a href=\"https:\/\/www.gallup.com\/workplace\/247391\/fixable-problem-costs-businesses-trillion.aspx\">nearly two times<\/a> their annual salary on recruiting, hiring, and retraining a replacement \u2014 a major financial setback.<\/p>\n<p>&nbsp;<\/p>\n<p>One way to keep your team is by providing the high-quality benefits they want and need. <a href=\"https:\/\/www.pewresearch.org\/short-reads\/2022\/03\/09\/majority-of-workers-who-quit-a-job-in-2021-cite-low-pay-no-opportunities-for-advancement-feeling-disrespected\/#:~:text=Fewer%20than%20half%20of%20workers,than%20at%20their%20last%20job.\">43% of workers<\/a> who quit in 2022 did so because of poor benefits. Self-funding employee benefits with group captive insurance is an affordable way to do that.<\/p>\n<p>&nbsp;<\/p>\n<p>Self-funding in a group captive allows for more flexibility and financial advantages than traditional, fully insured options. With this model, you can tailor an employee benefits package to match your team\u2019s unique demographic and preferences.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/09\/Is-Your-Company-a-Good-Candidate-for-Group-Captive-Insurance-Checklist.pdf?__mscta=3147_99854_13181\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-28867 size-full\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you.jpeg\" alt=\"is-captive-insurance-right-for-you\" width=\"1800\" height=\"514\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you.jpeg 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-300x86.jpeg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-1024x292.jpeg 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-768x219.jpeg 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-1536x439.jpeg 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Here are six ways that <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-funded-employee-satisfaction\/\">group captive insurance improves employee satisfaction<\/a>, lowers turnover, and boosts success for small to midsize businesses.<\/p>\n<p>&nbsp;<\/p>\n<h2>1. Flexible Plan Design<\/h2>\n<p>Group captive insurance offers a personalized way for your business to improve employee retention through <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/designing-your-group-captive-plan-to-cut-costs-your-way\/\">flexible plan design<\/a>. Unlike traditional insurance models with fixed plans, group captives let you design a benefits package that caters to the needs of your team.<\/p>\n<p>&nbsp;<\/p>\n<p>At Roundstone, we bring you on board with a customer support team and approved <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/7-secrets-to-finding-a-tpa-that-fits-your-needs\/\">Third-Party Administrator<\/a> (TPA) to help you build your plan from the ground up. We <a href=\"https:\/\/choosebywater.com\/\">recommend our in-house TPA, Bywater<\/a>, or we can suggest other vetted options as well. Ultimately, your choice of TPA is up to you.<\/p>\n<p>&nbsp;<\/p>\n<p>You can implement any number of specialized incentives and services for your employees, including:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Zero deductibles and low copays<\/strong>. Design your plan to support routine care. For example, implement lower copays for primary care visits than for <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/urgent-care-trends-what-captive-members-should-know\/\">urgent care<\/a>, guiding employees toward cost-effective healthcare choices.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Expanded provider network<\/strong>. Ensure access to a broad spectrum of specialists and services. For instance, you can include mental health professionals and physical therapists in your network, offering comprehensive care options to your employees.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Telemedicine inclusion<\/strong>. <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/telehealth-coverage-inspires-trust-in-health-insurance-plans\/\">Integrate telehealth coverage<\/a> for convenience and accessibility. You might offer 24\/7 access to virtual doctor visits, making healthcare immediately accessible for minor illnesses or consultations.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-53671 size-full\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/reviewing-data-analytics-documents-jpg.webp\" alt=\"CFO-calculates-the-savings-of-a-self-funded-health-insurance-plan_Roundstone Insurance\" width=\"885\" height=\"591\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/reviewing-data-analytics-documents-jpg.webp 885w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/reviewing-data-analytics-documents-300x200.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/reviewing-data-analytics-documents-768x513.webp 768w\" sizes=\"(max-width: 885px) 100vw, 885px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>2. Transparency and Data Analytics<\/h2>\n<p>One of the biggest <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/use-data-insights-to-cut-employee-benefit-costs\/\">benefits of self-funding with a group captive is transparent data access<\/a>. Instead of operating in the dark with a fully insured plan, self-funding puts you in control of your claims information, letting you make data-driven decisions that improve plan efficiency, cost-effectiveness, and responsiveness to employees\u2019 specific needs. <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/cost-containment-in-healthcare\/\">Cost containment is a vital self-funding tool<\/a> for driving down costs while improving quality care.<\/p>\n<p>&nbsp;<\/p>\n<p>With Roundstone, you can view your data at any time with our <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/roundstone-csi-dashboard\/\">CSI Dashboard<\/a>, which provides real-time insights and analysis of your healthcare spend. This lets you compare your claims usage to national benchmarks to see where you may need to adjust your plan to better cover employees through data-driven cost containment.<\/p>\n<p>&nbsp;<\/p>\n<p>For instance, say your data shows that a significant portion of your healthcare spending is on managing chronic conditions like diabetes or kidney disease. You could implement or enhance a <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-clinical-care-management-can-lower-your-healthcare-costs\/\">clinical care management program<\/a> to provide targeted support for these conditions.<\/p>\n<p>&nbsp;<\/p>\n<p>This data analytics tool provides clear transparency that allows you to adapt your plan to your team. Providing them with better treatment at less cost ultimately drives better productivity and retention.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/09\/Is-Your-Company-a-Good-Candidate-for-Group-Captive-Insurance-Checklist.pdf?__mscta=3145_92678_13181\"><img decoding=\"async\" class=\"aligncenter wp-image-30713 size-full\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x.jpeg\" alt=\"How-Much-Can-You-Save-with-Captive-Insurance_1800x\" width=\"1800\" height=\"514\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x.jpeg 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-300x86.jpeg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-1024x292.jpeg 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-768x219.jpeg 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-1536x439.jpeg 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>3. Cost Savings and Rebates<\/h2>\n<p>By self-funding in a group captive, members share risks and enjoy the benefits of greater buying power. With this approach, your company will see lower premiums and valuable rebates, making healthcare more affordable for employers and employees. This can often translate to a happier, healthier team with less turnover.<\/p>\n<p>&nbsp;<\/p>\n<p>With Roundstone\u2019s affordable self-funded employee health insurance, these benefits include:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Cost-saving opportunities<\/strong>. Through Roundstone, your company can implement various cost-saving strategies to lower healthcare costs while keeping employees healthy. The <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/The-Roundstone-Guarantee-Handout_may2024-1.pdf\">Roundstone Guarantee<\/a> ensures savings within five years of joining your group captive plan.<\/li>\n<li aria-level=\"1\"><strong>Return of unused premiums<\/strong>. Roundstone\u2019s model includes returning unused premiums to your company. Since 2003, we\u2019ve returned <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstone-celebrates-20-years-of-innovation-growth-and-a-better-life-for-all\/\">$72 million to group captive members<\/a>. Sharing this benefit with employees through better plan services or bonuses reinforces the mutual benefits of self-funding, enhancing their loyalty and desire to remain part of the company.<\/li>\n<li aria-level=\"1\"><strong>Rebates<\/strong>. With Roundstone, you collaborate with a <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/pharmacy-benefit-managers-your-self-funded-plans-secret-weapon\/\">Pharmacy Benefits Manager<\/a> (PBM), who secures rebates and more competitive pricing on medications. This <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-self-funded-insurance-lowers-costs\/\">lowers the cost of prescriptions for employees<\/a>, improving their access to necessary medications. The result is a healthier workforce and boosted satisfaction and commitment to your company.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-53672 size-full\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/woman-stretching-jpg.webp\" alt=\"Employees-satisfied-in-their-jobs-thanks-to-wellness-programs-and-their-self-funded-insurance_Roundstone Insurance\" width=\"885\" height=\"590\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/woman-stretching-jpg.webp 885w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/woman-stretching-300x200.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/woman-stretching-768x512.webp 768w\" sizes=\"(max-width: 885px) 100vw, 885px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>4. Direct Involvement in Health Management<\/h2>\n<p>By adopting a group captive model to deploy your health benefits, you can boost employee retention through active participation in their health management. Empowering individuals to make their own healthcare decisions leads to higher engagement with the plan and improved outcomes.<\/p>\n<p>&nbsp;<\/p>\n<p>At Roundstone, you\u2019ll collaborate with your advisor and our customer service team to find solutions that empower your employees to manage their health, including:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Well-being programs<\/strong>. <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/employee-health-benefits-wellness-program-trends\/\">These efforts encourage employees to lead healthier lives<\/a> by engaging in activities that boost physical and mental health. For example, setting up a program that offers discounts on gym memberships or fitness classes can inspire more people to get active.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Preventative care initiatives<\/strong>. Launch programs that spotlight early disease detection and promote healthy habits to help ward off illness. For example, you could offer free yearly health screenings that check vital stats like blood pressure, cholesterol, and blood sugar levels. Catching these issues early can lead to quick interventions, reducing the chance of more serious problems and keeping healthcare costs in check.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>5. Stop-Loss Coverage and Risk Sharing<\/h2>\n<p>In 2005, Roundstone pioneered a new approach to self-funding for small businesses \u2014 the Roundstone Captive. This innovative funding model pools risks with other similar-sized businesses, enabling even small businesses to self-insure predictably and safely like the Fortune 500 do. Captive members are covered by <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/understanding-stop-loss-insurance\/\">stop-loss insurance<\/a> to protect against high-cost claims, leading to more stable premium costs for your company and employees.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/could-self-funded-health-insurance-be-hrs-antidote-to-employee-dissatisfaction\/\">How does this impact employee retention<\/a>? When your team sees that their healthcare coverage is affordable and reliable, it contributes to their sense of security and well-being. This peace of mind is invaluable, making them more likely to stay with your organization long-term.<\/p>\n<p>&nbsp;<\/p>\n<h2>6. Cost Share Reductions Through Employee Incentive Programs<\/h2>\n<p>One approach that <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-funded-employee-satisfaction\/\">improves both employee as well as employer satisfaction<\/a> is offering cost share reductions on health benefits through employee incentive programs, such as wellness programs and other health initiatives like quitting smoking, getting regular checkups, and exercise programs.<\/p>\n<p>&nbsp;<\/p>\n<p>Roundstone has initiated a number of employee wellness programs for our own employees, including those that encourage regular health checkups and efforts to lower BMI through diet and exercise. These programs lower employee cost, improving employee satisfaction, but they also lower the overall cost of the benefits plan, so employers save substantially, too. Roundstone\u2019s employee incentives lowered our employee cost share by 20%.<\/p>\n<p>&nbsp;<\/p>\n<h2>Our Plan Is So Good, We Use It Ourselves<\/h2>\n<p>We are participants in the Roundstone Captive ourselves, resulting in increased employee satisfaction and lower costs. This strategy has worked so well for us that our employees haven\u2019t seen an increase in their premium costs for eight years.<\/p>\n<p>&nbsp;<\/p>\n<p>The big win has been a savings of over $1.1 million in five years, thanks to lower-than-expected claim costs. We invested this extra cash in improving employee benefits and reducing their cost share, effectively <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/why-is-health-insurance-expensive\/\">protecting them from the rising costs of healthcare<\/a> and offering better benefits at a lower cost.<\/p>\n<p>&nbsp;<\/p>\n<p>We also implemented a wellness program, and participants of that program actually experienced a reduction in their costs. Roundstone\u2019s strategy not only made healthcare more accessible but also improved our employees&#8217; financial and health status, setting a new benchmark for employee satisfaction expectations.<\/p>\n<p>&nbsp;<\/p>\n<p><em>Read <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstones-how-we-avoided-increasing-employee-contributions-for-8-years\/\">Roundstone\u2019s Success Story<\/a>, or see the full case study below.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/Roundstone-Insurance-Case-Study-Why-Roundstone-Hasnt-Raised-Employee-Premiums-in-8-Years_april2024.pdf\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-51155 size-full\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/12\/eight-years-zero-increases-jpg.webp\" alt=\"eight years zero increases\" width=\"1800\" height=\"514\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/12\/eight-years-zero-increases-jpg.webp 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/12\/eight-years-zero-increases-300x86.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/12\/eight-years-zero-increases-1024x292.webp 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/12\/eight-years-zero-increases-768x219.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/12\/eight-years-zero-increases-1536x439.webp 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>Switch to Self-Funding with a Group Captive\u00a0 Today<\/h2>\n<p>ROUNDSTONE is an innovative employee health benefits company. We help small and midsize organizations offer competitive benefits at a lower cost by self-funding health insurance through our group medical captive.<\/p>\n<p>&nbsp;<\/p>\n<p>The Roundstone Captive enables companies to self-insure safely by pooling hundreds of employers together to share risk and save money. With easy onboarding and personalized support every step of the way, the Captive offers control, flexibility, transparency, and returns all savings back to employers where they belong.<\/p>\n<p>&nbsp;<\/p>\n<p>We believe in always aligning with the employers\u2019 best interests and remain committed to our mission \u2014 quality, affordable healthcare and a better life for all.<br \/>\n&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/contact-us\/\">Speak to a Roundstone Representative<\/a> today to discuss how a group captive plan can help you provide a better life for your employees.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/contact-us\/?__mscta=3304_99854_13181\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-53673 size-full\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-jpg.webp\" alt=\"Better-Benefits-Better-Life\" width=\"1200\" height=\"628\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-jpg.webp 1200w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-300x157.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-1024x536.webp 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-768x402.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">Highlights\u00a0\u00a0 Top-tier benefits are one of the best ways to improve employee retention and prevent the expense of hiring and retaining your workforce. Group captives offer smaller companies a way to self-fund for better control and flexibility over healthcare benefits. With benefits like customized plan design, data transparency, and cost savings, Roundstone\u2019s group captive model [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":53676,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1827],"tags":[],"class_list":["post-53670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employers"],"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>6 Ways Self-Funding in a Group Captive Enhances Employee Satisfaction | Roundstone Insurance<\/title>\n<meta name=\"description\" content=\"Learn six ways to enhance employee satisfaction and reduce turnover rates by self-funding health benefits in a medical group captive.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, 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