A real conversation about what matters most.
An examination of your current health, risk, and insurance management.
A prescription for optimal risk and insurance performance.
A multi-disciplinary team implements your
Treatment Plan and meets your ongoing needs.
This Treatment Plan progress report and Treatment Team performance review.
Big insurance makes billions of dollars of profit from your risk. In other words, big insurance has turned your risk into their asset. By never going it alone, our clients take back control of their risk to achieve sustainable cost control and enjoy much greater protection and prosperity.
We nurture and reward our clients’ thought leadership and facilitate the exchange of practical experience, new ideas, and innovative risk management strategies.
“The biggest impact is the cost savings. It has enabled us to offer better benefits, bigger benefits."
"I think it is really great to have a lot of hospitals involved. It makes me feel like the team is bigger. Our employees always tell their friends about our health plan.”
"CHIC has saved us over $1 million in premiums alone. It’s fantastic… And, for a new CEO who is constantly trying to prove themselves, it helps validate the choices we make."
"In our long-standing partnership with HealthSure, we make sure TORCH hospitals never go it alone. We have developed significant scale, purchasing power and risk mitigation benefits over the last 15 years. I’m proud of what this program has become and how it will continue to bring resources that directly impact our hospitals."
Take the Community Hospital Insurance Coalition (CHIC) for example. With our expert support and management, more than 30 rural hospitals who have come together to own this medical stop-loss reinsurance company. They are paying less for their insurance, improving benefits program performance, and receiving their share of a significant annual surplus cash distribution (~$2.5 million since inception in 2018).