Medical Group Captives

EmCap — Stop Loss Group Captives

The Problem

When it comes to providing employee health benefits, employers are fighting an uphill battle. With traditional health insurance, employers face increased costs every year, changing regulations, and little or no control. Employers don’t know where their health care dollars are going or how to control next year’s premium increases.

For decades, large employers have benefited from strategies that give them greater control and insight. They use proven techniques that enable them to customize their benefits, lower administrative fees and taxes, and better manage the underlying health risks. Smaller and midsize employers often can’t use these strategies, however, because they don’t have the same scale and size.

The Solution

The EmCap® program from Berkley Accident and Health 4 PILLARS OF EMCAPuses the same techniques that large employers use to manage their risk and gain control over health care costs. EmCap brings together like-minded employers to create a larger pool of employees — just like a single, large employer — and with it, greater transparency and control. This opens the door to the proven strategies that can make health care costs more stable and predictable.

With EmCap, employers move from being buyers to owners of their health care. As owners, they enjoy data transparency, control over plan design, and stability and scale from participation in a Group Captive. These work together to create a true opportunity for employers to manage their health plan risk.

NEXT – How It Works

EmCap is the most significant advancement regarding true cost containment we've seen in years.

President, EmCap member company

EmCap is not a guarantee of lower future employee benefit costs. Insurance coverage is underwritten by Berkley Life and Health Insurance Company and/or StarNet Insurance Company, both member companies of W. R. Berkley Corporation and both rated A+ (Superior) by A.M. Best. Not all products and services may be available in all jurisdictions, and the coverage provided is subject to the actual terms and conditions of the policies issued. Payment of claims under any insurance policy issued will only be made in full compliance with all United States economic or trade and sanction laws or regulation, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”).