Industry Specific Plans

Restaurant Option 1

Statistically, restaurants have healthier and younger employees who use less healthcare. Yet, health insurance carriers price everyone the same regardless of their health. Restaurants can leverage this demographic to their advantage by moving to a self-funded health plan. Rates can be as much as 40% lower, and all or a portion of unspent claims funds are returned every year. At no cost, CCP will review your employee census to determine how much you can save and get back.

Restaurant Option 2

Statistically, restaurants have healthier and younger employees who use less healthcare. Yet, health insurance carriers price everyone the same regardless of their health. Restaurants and hospitality businesses can leverage the demographic make-up of their workforce to their advantage by moving to a self-funded health plan. Rates can be as much as 40% lower, and all or a portion of unspent claims funds are returned every year. Since each plan has stop-loss insurance, employers are protected from cost overruns and the savings are locked in. At no cost, CCP will review your employee census to determine how much you can save and get back with a self-funded health plan.

Construction

Health insurance companies keep your money even when they don’t pay claims. Why not have a health plan that pays some or all of your unused claims funds back? With employees performing rigorous physical work, construction companies are more likely to have healthy employees who use less healthcare. This can lead to big savings and refunds when using a self-funded health plan. CCP can source a self-funded health plan that lowers your rates and gives you money back every year.

Auto Dealers

Health insurance is a major expense yet most employers don’t know if they are overpaying. Leveraging a self-funded health plan design, businesses in the auto industry can lower their health insurance cost by as much as 40% and get a refund of unspent claims funds. At no cost, CCP will review your current health insurance plan to identify the savings and potential refund of moving to a self-funded health plan.

Wholesale and Distribution

With employees on the move, wholesale and distribution companies typically have healthy employees who can cost less to cover under a self-funded health plan. Rates can be as much as 40% lower, and all or a portion of unspent claims funds are returned every year. At no cost, CCP will review your current health insurance plan to identify the savings and potential refund of moving to a self-funded health plan.

Generic Option

When a business overpays for health insurance, so do the employees. That’s why it’s important to know all your options when it comes to choosing a health plan. One of the options that businesses may not be aware of is a self-funded health plan. Also referred to as level-funded because the rate is the same every month regardless of claims, these plans can lower rates and return unspent funds that are reserved to pay claims. Since each plan has stop-loss insurance, employers are protected from cost overruns and the savings are locked in. At no cost, CCP will review your health insurance policy to determine how much you can save and get back with a self-funded health plan.

Health Insurance Plans

For many businesses, health insurance is the largest expense after payroll. It’s also costing more every year creating an unpredictable financial burden that leaves businesses at the mercy of their health insurance carrier. Many large employers throughout the country use self-funded health plans to gain control of health insurance costs. CCP is making these types of plans available to groups of all sizes. With rates climbing to new levels, now is the time to learn about self-funded health plans and the savings they can offer. Rates can be as much as 40% lower, and all or a portion of unspent claims funds are returned every year. The most popular plans for businesses are known as “level-funded” as the employer pays a flat monthly fee to fund their claims account. The amount of claims funding is set, and stop-loss insurance protects from claims above this level while locking in savings. When the claims funding is not spent, all or a portion of the funds are returned to the business owner. When it’s time for a quote, CCP creates a competitive process by working with the largest plan administrators in the US each with more than 400,000 members. Plans can use the physician and hospital networks your employees know and trust such as CIGNA and Aetna. With a self-funded health plan, you’ll have the transparency to make an informed decision and the flexibility to build a plan tailored to your needs and budget. Why not find out if your business is overpaying for health insurance by having a free cost analysis? With just a few pieces of information, we’ll generate an analysis so you’ll know the savings and potential refunds of a self-funded plan. To request a no-obligation cost analysis for your company, please provide the following:

• Recent plan invoice
• Plan summary
• Employee census (download template)

If you need a health plan for the first time, all that’s needed is an employee census with name (initials or first name), DOB, gender, and zip code. We do not need any health or personal information to provide an initial quote. If you’ve already renewed your policy, it’s not too late. You can still start a self-funded plan and the deductible will be carried over.