Collectively, we are the participating members of Lawley Proactive Health, a health insurance captive delivered through Lawley. This program has helped our companies address the challenge we face offering quality and affordable health insurance to our employees. This program also gives each of us a chance to participate in the financial results of the program. In addition, we have received dividends in 2013, 2014 and 2015 for our participation. By being a Lawley Proactive Health member, we have better transparency, flexibility and control of our health insurance costs while creating a better culture of health and wellness. Our employees have benefited as well, as it has helped them become engaged in our wellness program.
We encourage you to spend a few minutes with Bob Madden, from Lawley, to learn more about this program. He can help you determine whether you are also a good candidate for Lawley Proactive Health.
Sincerely,
Self Insurance Without All Of The Risks
Do you feel left in the dark about where your health insurance costs go? Lawley’s health insurance captive program gives you transparency in claims data and the potential to save significantly for the healthcare costs you don’t use. For companies with 100 or more employees, a healthcare captive is a creative, self-insured health insurance solution without the risk of self-insuring on your own. As a member of our health insurance captive program, you gain Lawley’s in-house expertise in strategic planning, underwriting, analytics, reporting, health care reform, compliance, health management, corporate wellness and more.
In a health insurance captive, employer groups join together and share the advantages of being self-insured without the stand-alone risk. Your risk is mitigated by joining together with other like-minded employer groups to leverage size and predictability with an emphasis on wellness and disease management.
Why Choose a Health Insurance Captive?
- Lower cost
- Long-term pricing stability
- Join a group of employers with common goals and objectives
- Opportunity to learn best practices from members
- Gain all the advantages of self-insurance
- Health Insurance Captives and Loss Control
A health insurance captive program puts an emphasis on employee engagement for wellness and disease management. Our member organizations provide a robust corporate wellness program that includes significant incentives for employees that attend preventive screenings, are non-smokers and fall within certain health screening measurements. Lawley will help measure employee engagement and the effectiveness of corporate wellness programs as well as utilizing one-on-one lifestyle coaching to promote and engage members in healthy behaviors.
Case Study
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Graphic Controls
Learn how we worked with Graphic Controls, a manufacturer based in WNY, to help reduce their healthcare costs through analyzing their claims data to recommend becoming partially self-funded.
View the Graphic Controls case study
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FAQs
Q: What network of doctors or physicians are available in a medical captive?
A: Healthcare services are distributed on a local basis so we will evaluate your census data and determine which local network would be serve the employees best based on their home zip codes.
Q: What impact will there be to my employees in a medical captive?
A: Employees will receive a new ID card and the same benefits they have had previously. Changes to plan designs can be made at if you would like to tailor the benefits to the needs of your organization.
Q: Why aren’t more companies joining medical captives?
A: As a result of the Affordable Care Act, and the frustration with the traditional insurance model we are seeing an increase in the number of companies interested in banding together to gain control of their health insurance costs and access claims data to allow them to better manage their plan. The concept is relatively new but with the results of current members we are also seeing increased interest. Lawley Proactive Health has doubled the number of member companies in the last 21 months (from 6 to 13).
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