Medical Captive Underwriters - 3x3x3 Challenge with Don McCully
ClearCaptive employers annually receive premium increases below medical inflation and leveraged trend by working with consultants and brokers to reduce renewal chaos, keeping employers in control and providing Human Resources a plan they can actually build on.
Transcript:
What is Medical Captive Underwriters?
If you've ever had a self-funded client blindsided by a renewal, forced to gut their plan, or raise contributions, you know how broken the system can feel. Clear Captive flips the script. We're a medical stop-loss group captive that helps employers control healthcare costs without sacrificing plan flexibility. Since 2015, employers enrolled in Clear Captive have received premium distributions in 8 out of 10 years, equal or greater to than the premium increases. One credit union saved $443,000 or more than 20% of their annual spend in year one and hasn't touched their deductible, co-pay, or co-insurance in 10 years. A nonprofit saved over $2 million by reducing specialty pharmacy costs while keeping their network and PBM in place. This isn't luck. It's a system we designed to reward good performance and deliver real savings without disruption.
How is Medical Captive Underwriters different?
Most captives talk about control, then limit your vendors, bury their fees, or hide financials in vague reporting. Clear Captive is built differently. Transparent, experienced, and trusted. Employers choose their TPA, network, PBM, even vendors like second opinion services, cancer navigation, or kidney care. We don't profit from referrals and fully document how we get paid. Our leadership team helped build the captive stop-loss market when we entered it in 2010. We know what works and what doesn't. Clear Captive is the partner we always wanted. Documentation is concise, reporting is clear, and 99% of groups see savings in year one. It's not just transparency, it's accountability with control and flexibility. Built and supplied for consultants and employers.
Who is a good fit for Medical Captive Underwriters?
We're a strong fit for employers with 50 to 500 enrolled employees who are frustrated by renewal volatility or bloated fully-insured plans. Initially, our average employer enrolled included 110 employees on the plan. Today, it's 182. Think credit unions, nonprofits, healthcare organizations, and manufacturers, or multi-state groups looking for uniformity across jurisdiction. Any employer that wants savings without chaos. Our clients treat healthcare as a strategic advantage, not just a line item. We partner with consultants who know self-funding, understand risk, and want to bring smarter options to the table. If your client wants plan level control, real savings, and written transparency, not just a polished pitch, let's have a conversation.
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Explore the Playback Report
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Transcript:
What is Medical Captive Underwriters?
If you've ever had a self-funded client blindsided by a renewal, forced to gut their plan, or raise contributions, you know how broken the system can feel. Clear Captive flips the script. We're a medical stop-loss group captive that helps employers control healthcare costs without sacrificing plan flexibility. Since 2015, employers enrolled in Clear Captive have received premium distributions in 8 out of 10 years, equal or greater to than the premium increases. One credit union saved $443,000 or more than 20% of their annual spend in year one and hasn't touched their deductible, co-pay, or co-insurance in 10 years. A nonprofit saved over $2 million by reducing specialty pharmacy costs while keeping their network and PBM in place. This isn't luck. It's a system we designed to reward good performance and deliver real savings without disruption.
How is Medical Captive Underwriters different?
Most captives talk about control, then limit your vendors, bury their fees, or hide financials in vague reporting. Clear Captive is built differently. Transparent, experienced, and trusted. Employers choose their TPA, network, PBM, even vendors like second opinion services, cancer navigation, or kidney care. We don't profit from referrals and fully document how we get paid. Our leadership team helped build the captive stop-loss market when we entered it in 2010. We know what works and what doesn't. Clear Captive is the partner we always wanted. Documentation is concise, reporting is clear, and 99% of groups see savings in year one. It's not just transparency, it's accountability with control and flexibility. Built and supplied for consultants and employers.
Who is a good fit for Medical Captive Underwriters?
We're a strong fit for employers with 50 to 500 enrolled employees who are frustrated by renewal volatility or bloated fully-insured plans. Initially, our average employer enrolled included 110 employees on the plan. Today, it's 182. Think credit unions, nonprofits, healthcare organizations, and manufacturers, or multi-state groups looking for uniformity across jurisdiction. Any employer that wants savings without chaos. Our clients treat healthcare as a strategic advantage, not just a line item. We partner with consultants who know self-funding, understand risk, and want to bring smarter options to the table. If your client wants plan level control, real savings, and written transparency, not just a polished pitch, let's have a conversation.
See what’s new. See what’s trending.
Get the Floor Report
Explore the Playback Report
Sponsor your 3x3x3 Challenge
