What are the advantages of being a self-insured plan?

	Customization — Employers can customize the plan to meet the specific needs of its employee group. Fully insured plans are "packaged benefits" that don't allow for variation employer to employer. Some employers want more control over what is offered.
	Control over claims reserves — The employer maintains control over the claims reserves. You don't pay until a claim is presented for payment.
	Exemption from state insurance laws and premium taxes — In most cases, self-insured benefit plans do not have to comply with state insurance mandates and premium taxes.
	When the plan has favorable claims experience, the profits remain with the self-insured plan — The opposite is also true. The employer assumes the risk for the plan.

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Let us design the right plan for your needs:

• Call us at one of our regional offices.
• Or, complete our online form and we'll contact you and begin discussing your employee health concerns.