High-cost claimants can put pressure on your self-funded health plan, but they do not have to disrupt it. At Roundstone, we help you limit risk while still delivering the coverage your people rely on.
See how we treat lasers differently.
High-cost claimants can put pressure on your self-funded health plan, but they do not have to disrupt it. At Roundstone, we help you limit risk while still delivering the coverage your people rely on.
See how we treat lasers differently.
Most self-funded health plans price for the worst case—even if it never happens. At Roundstone, we use lasers to separate known high-cost risks so employers only pay for those claims if they actually occur. This lowers fixed costs and protects the stability of the captive pool.
It’s simply the better economic choice.
Traditional models build risk into premiums that you pay for long after the claim is gone. With Roundstone, when the risk disappears, so does the cost.
Lower premiums create meaningful savings, even when a laser payout occurs. By keeping fixed costs down, you free up cash flow and position your plan for lower renewals.
Lasers help identify high-cost risks earlier. With better visibility, you can act sooner, focus on the right care, and reduce larger claims.
of Roundstone members ever receive a laser in their plan
of lasers are actually paid in full
of lasers resolve below the group-specific deductible
avg. savings PEPY vs. the national average
Other captives often handle lasers in ways that bury the true cost to your business. Some absorb the expense temporarily, while others spread it across current and future premiums. Either way, the real impact shows up at renewal time.
At Roundstone, we take a different approach. We isolate known high-cost risks up front so costs remain clear, manageable, and fairly distributed across the captive. No hidden pricing. No delayed surprises.
A laser assigns a higher specific deductible to an individual with a known
ongoing high-cost medical condition instead of pricing that risk into the
premium. You only pay for claims that happen and you still have the benefit of
the captive to cap your exposure.
Lasers help protect all captive participants by keeping fixed costs fair and
stable and only paying for healthcare when it’s needed. Based on 20+ years of
experience, we see that lasers deliver better total plan performance. They are
the better economic choice.
Roundstone’s clinicians review claims and medical data to identify known,
ongoing risks. Lasers are considered only when a claimant has a projected
continuing high-cost condition.
In some cases, we can raise your fixed cost premiums, but we do not believe
this approach is in the best long-term interest of the employer. We’ll review all
cost containment options with you to reduce claims.
The average size of a laser at Roundstone is $125K above the specific deductible. This equates to approximately 16% increase in cost, but only 25% of lasers ever cost the full amount so most often, you’re spending a lot less.
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We’re helping businesses change self-funded health insurance for the better. Contact our team to get started on a quote today.
