{"id":55952,"date":"2024-10-14T13:44:27","date_gmt":"2024-10-14T17:44:27","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=55952"},"modified":"2024-10-14T13:44:27","modified_gmt":"2024-10-14T17:44:27","slug":"turnkey-health-insurance","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/turnkey-health-insurance\/","title":{"rendered":"Cut Healthcare Costs with Turnkey Employer-Sponsored Health Insurance"},"content":{"rendered":"<p><strong>Highlights<\/strong><\/p>\n<ul>\n<li aria-level=\"1\"><strong>Turnkey health insurance offers your business a customizable solution for high-quality healthcare coverage that gives more flexibility and control over plan benefits while eliminating the high costs and complex management of traditional health plans.<\/strong><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><strong>Roundstone\u2019s turnkey approach to self-funding, powered by our in-house TPA, Bywater (or one of your choosing), combines healthcare cost control, data-driven insights for better cost containment, and healthcare price transparency with the freedom of reduced administrative burden.<\/strong><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><strong>Roundstone guarantees businesses will save money within the first five years of joining our turnkey self-funded group captive, or we will cover the differen<\/strong>ce.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>With premiums rising at astonishing rates, many businesses wonder how to balance their budgets while offering high-quality <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/could-self-funded-health-insurance-be-hrs-antidote-to-employee-dissatisfaction\/\">benefits that attract and retain top talent<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<blockquote style=\"margin-right: 4%; margin-left: 4%; background-color: #9cb9c5; padding: 2%;\"><p><a href=\"https:\/\/www.prnewswire.com\/news-releases\/aon-us-employer-health-care-costs-projected-to-increase-9-percent-next-year-302223205.html\">Aon expects<\/a> the average cost of employer-sponsored health care coverage in the U.S. to increase 9.0% in 2025, surpassing $16,000 per employee.<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><strong>The good news?<\/strong> There\u2019s a better way to gain control over your healthcare expenses \u2014 a turnkey approach to <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/what-is-self-funded-insurance\/\">self-funded health insurance<\/a> through a group captive.<\/p>\n<p>&nbsp;<\/p>\n<h2>What Is Turnkey Health Insurance?<\/h2>\n<p>Turnkey health insurance is a hassle-free package that provides your company with a complete healthcare solution. It\u2019s like having a pre-built setup where all the essential components, like coverage plans, administration, and support, are in place and ready to use immediately.<\/p>\n<p>&nbsp;<\/p>\n<p>This\u00a0 approach to self-funding provides a straightforward way to offer coverage to your employees without having to handle the detailed administrative work on your own.<\/p>\n<p>&nbsp;<\/p>\n<p>After designing your turnkey self-funded health insurance plan, you can skip the complicated setup and jump right into providing the care your team deserves.<\/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_92678_13181\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-28867 size-full\" style=\"width: 100%;\" 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<h2>What Is Self-Funding Through a Group Captive?<\/h2>\n<p>When you self fund,, your business covers employees\u2019 healthcare costs directly, giving you control over benefits and expenses. Large corporations have long benefited from self-funding due to cost savings and flexibility. Now, through Roundstone\u2019s group medical captive, businesses of all sizes can access these same advantages.<\/p>\n<p>&nbsp;<\/p>\n<p>A captive pools businesses with as few as 25 employees so they can self-fund their health benefits with the same confidence and predictability as the Fortune 500s. Roundstone\u2019s <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/group-captives-offer-freedom-of-choice\/\">group medical captive<\/a> covers over 700 companies and protects more than 120,000 lives.<\/p>\n<p>&nbsp;<\/p>\n<p>Our clients save an average of <strong>20%<\/strong> compared to traditional fully insured plans. Since our start 20 years ago, we\u2019ve returned over <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/the-distribution-explained-webinar\/\">$91.8 million<\/a> to captive participants, demonstrating the effectiveness of our cost-saving strategies. <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/The-Roundstone-Guarantee-Handout_may2024.pdf\">We guarantee<\/a> you\u2019ll save money within the first five years, or we\u2019ll cover the difference.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-55958 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/10\/colleagues-discussing-employer-sponsored-health-insurance-benefits-in-a-modern-office-setting.jpg\" alt=\"colleagues discussing employer-sponsored health insurance benefits in a modern office setting\" width=\"885\" height=\"590\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/10\/colleagues-discussing-employer-sponsored-health-insurance-benefits-in-a-modern-office-setting.jpg 885w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/10\/colleagues-discussing-employer-sponsored-health-insurance-benefits-in-a-modern-office-setting-300x200.jpg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/10\/colleagues-discussing-employer-sponsored-health-insurance-benefits-in-a-modern-office-setting-768x512.jpg 768w\" sizes=\"(max-width: 885px) 100vw, 885px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>Fully Funded Plans vs. Self-Funded Turnkey Models<\/h2>\n<p>Employers have two main options for employee health insurance: <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-insured-vs-fully-insured\/\">fully funded and self-funded models<\/a>. A fully funded model is like having someone else take the wheel. An insurance company covers your employee\u2019s healthcare costs, but you pay a set premium, which is usually higher than the actual cost of healthcare.<\/p>\n<p>&nbsp;<\/p>\n<p>These premiums often include embedded markups for administrative fees, risk charges, and profit margins, which are not transparent to the employer.Plus, the employer sees no money back for unused premiums.<\/p>\n<p>&nbsp;<\/p>\n<p>In a self-funded model, you set the budget and customize the plan to fit your team\u2019s needs, putting <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/designing-your-group-captive-plan-to-cut-costs-your-way\/\">you in control<\/a>. From there, you have a support team working for you to take over most of the heavy lifting.<\/p>\n<p>&nbsp;<\/p>\n<h3>Roundstone\u2019s Self-Funded Group Captive: A Turnkey Solution for Employer-Sponsored Health Insurance<\/h3>\n<p>Bywater, our in-house TPA, is the cornerstone of our turnkey solution and what sets us apart, offering businesses a fully integrated approach to managing healthcare costs.<\/p>\n<p>&nbsp;<\/p>\n<p>Our TPA handles all aspects of plan administration, including claims processing, compliance oversight, and customer service, making it easier for businesses to <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/why-the-switch-to-self-funded-health-insurance-is-easy\/\">switch to, and manage, self-funded health insurance<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>They also work\u00a0 hand-in-hand with Roundstone\u2019s <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/cost-savings-investigators\/\">Cost Savings Investigators (CSI) Team<\/a> to provide expert guidance, using data-driven insights to identify opportunities for cost containment and healthcare price transparency within your plan.<\/p>\n<p>&nbsp;<\/p>\n<p>The table below highlights the differences between the two models.<\/p>\n<p>&nbsp;<\/p>\n<table width=\"100%\">\n<thead>\n<tr style=\"background-color: #39495b; color: white;\">\n<td><\/td>\n<td>Fully Insured<\/td>\n<td>Turnkey, Self-Insured<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Definition<\/strong><\/td>\n<td>Employer purchases coverage from insurance carrier<\/td>\n<td>Multiple businesses pool resources to provide coverage<\/td>\n<\/tr>\n<tr>\n<td><strong>Risk and Responsibility<\/strong><\/td>\n<td>Insurance carrier manages risk and claims<\/td>\n<td>Group captive shares risks and costs<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium Structure<\/strong><\/td>\n<td>Fixed premium with yearly increases<\/td>\n<td>Economies of scale for potential cost savings<\/td>\n<\/tr>\n<tr>\n<td><strong>Provider Network<\/strong><\/td>\n<td>Carrier provides network of providers<\/td>\n<td>Businesses negotiate their own network<\/td>\n<\/tr>\n<tr>\n<td><strong>Employee Costs<\/strong><\/td>\n<td>Employees have copayments, deductibles, coinsurance<\/td>\n<td>Benefits are customized to employee needs<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium Rate Changes<\/strong><\/td>\n<td>Rates predetermined, increase annually<\/td>\n<td>Total control over plan design<\/td>\n<\/tr>\n<tr>\n<td><strong>Administrative Tasks<\/strong><\/td>\n<td>Carrier handles claims, customer service, compliance<\/td>\n<td>Hand-picked third-party administrator handles claims<\/td>\n<\/tr>\n<tr>\n<td><strong>Flexibility and Plan Design<\/strong><\/td>\n<td>Limited customization<\/td>\n<td>Customizable for coverage, vendors, providers, and other services<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h2>Real-World Example: Totem Solutions Case Study<\/h2>\n<p>Totem Solutions, a benefits consulting firm, switched to Roundstone\u2019s group medical captive after facing high deductibles, expensive copays, and lack of data transparency. With Roundstone, they achieved:<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Zero deductibles<\/strong>: Transitioned from $6,000 in deductibles to zero.<\/li>\n<li aria-level=\"1\"><strong>Reduced copay costs<\/strong>: Lower costs for employees led to improved care access.<\/li>\n<li aria-level=\"1\"><strong>Personalized primary care<\/strong>: Implemented a direct primary care program.<\/li>\n<li aria-level=\"1\"><strong>High employee satisfaction<\/strong>: Contributed to being named one of Inc. Magazine\u2019s best workplaces in 2021.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>12% refund on unused premiums: The data-driven approach contributed directly to this high ROI.<\/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_102027_12549\"><img decoding=\"async\" class=\"aligncenter wp-image-30713 size-full\" style=\"width: 100%;\" 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>How to Get Started With Roundstone\u2019s Turnkey Self-Funded Health Insurance<\/h2>\n<p>It\u2019s easy to get started with Roundstone! Simply reach out to a Roundstone representative to discuss your company\u2019s needs.<\/p>\n<p>&nbsp;<\/p>\n<p>During your initial consultation, we\u2019ll gather insights into your company\u2019s workforce, current healthcare challenges, and future goals. We\u2019ll then help you design a customized plan that meets the needs of your unique situation.<\/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=3083_92678_13181\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-28836 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands.jpeg\" alt=\"The-guide-that-could-save-you-thousands\" width=\"1800\" height=\"942\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands.jpeg 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands-300x157.jpeg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands-1024x536.jpeg 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands-768x402.jpeg 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands-1536x804.jpeg 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">Highlights Turnkey health insurance offers your business a customizable solution for high-quality healthcare coverage that gives more flexibility and control over plan benefits while eliminating the high costs and complex management of traditional health plans. Roundstone\u2019s turnkey approach to self-funding, powered by our in-house TPA, Bywater (or one of your choosing), combines healthcare cost control, [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":55959,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1827],"tags":[],"class_list":["post-55952","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>Cut Healthcare Costs with Turnkey Employer-Sponsored Health Insurance | Roundstone Insurance<\/title>\n<meta name=\"description\" content=\"Discover the advantages of simplified, cost-effective, and customizable turnkey employer-sponsored health insurance.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, 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