Solutions

Our clients deserve custom-built solutions, not off-the-shelf programs. Whether that’s medical stop loss backed by Nationwide® or AXA XL, our AccuRisk254 non-subscription plan, or any of our other industry-leading solutions, we have the answers—and options—clients have been searching for. Ready to learn more? Let’s talk.

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Medical Stop Loss

We’ve built our medical stop loss for today’s marketplace: by combining the financial strength of a traditional carrier and the creative flexibility of the best underwriters. Our medical stop loss plans are backed by either Nationwide® or AXA XL so you can be confident that your coverage is solid. With AccuRisk, you get real stop loss solutions from a partner you can count on to be there when you need them.

Get an inside look at AccuRisk from our CEO, Dan Boisvert. In this 25-minute webinar that AccuRisk hosted, he outlines trends in the Stop Loss Market today, evaluating Reference Based Pricing, Direct Contracting, Captives and Risk Management. Click below to learn more and hear Mr. Boisvert’s analysis for how we can partner on Risk Management and help grow your business.

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Traditional Self-Funding

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Our traditional self-funded plans offer flexibility in plan design with lower administrative costs. Plus, employers gain a significant opportunity to save money on their...
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Our traditional self-funded plans offer flexibility in plan design with lower administrative costs. Plus, employers gain a significant opportunity to save money on their healthcare plan. Unlike a fully insured plan, the employer keeps the difference between premiums paid and medical expenses in years where there is a surplus.

Level Funding

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Level funding combines the flexibility and cost-saving opportunities of self-funding with the fixed and predictable monthly costs of a fully insured plan....
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Level funding combines the flexibility and cost-saving opportunities of self-funding with the fixed and predictable monthly costs of a fully insured plan. If the claim funding dollars amount to less than the claims paid by the end of the year, the employer receives a check for the difference.

Reference Based Pricing

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Reference Based Pricing (RBP) is a model when claims are paid according to a cost-plus schedule based on Medicare pricing rather than utilizing a traditional PPO network....
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Reference Based Pricing (RBP) is a model when claims are paid according to a cost-plus schedule based on Medicare pricing rather than utilizing a traditional PPO network. Some of the benefits of RBP include lower overall claim costs, more predictable costs and lower future trend increases, plus a wider selection of providers.

Captive

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Captive programs help clients to stabilize rate increases over time by pooling risk. Employers with a healthy population typically look to captives to receive minimal rate...
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Captive programs help clients to stabilize rate increases over time by pooling risk. Employers with a healthy population typically look to captives to receive minimal rate increases along with the potential to share in accumulated reserves. Captive programs carry certain requirements for admittance in terms of plan design and cost containment measures.

Provider Sponsored Plans

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Employers can directly contract with healthcare providers in order to obtain lower reimbursement rates. In these provider sponsored plans, employers are...
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Employers can directly contract with healthcare providers in order to obtain lower reimbursement rates. In these provider sponsored plans, employers are typically incentivized to use the provider’s facilities, which have lower contracted prices than other providers in the area. AccuRisk works with TPAs and providers to develop the plan and provide specific and aggregate stop loss to plan sponsors.

Occupational Accident

No matter your occupational accident plan requirements, AccuRisk has you covered. These solutions required creative thinking to provide necessary coverage without breaking the bank. We’re on the cutting edge of plan development for these growing industries’ emerging needs.

AccuRisk254

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AccuRisk254 is our ERISA based Texas non-subscription Occupational Accident program that allows the employer to design their own schedule of benefits....
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AccuRisk254 is our ERISA based Texas non-subscription Occupational Accident program that allows the employer to design their own schedule of benefits. Texas is the only state that allows employers to “opt out” of workers’ compensation to independently provide comprehensive on-the-job coverage for their employees. AccuRisk works with our agents to assist in the development of a custom ERISA program that includes a Safety Program, Medical Case Management and Directed Care to get injured workers back on the job. Our policies also include AD&D, Medical, and Disability coverage for non-subscribing employers. Learn More >

Trucking Product

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Our occupational accident for truckers is a comprehensive approach to providing owner-operators with benefits to assist their recovery in the event of an on-the-job injury....
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Our occupational accident for truckers is a comprehensive approach to providing owner-operators with benefits to assist their recovery in the event of an on-the-job injury. Plus, their coverage will also include a limited benefit for non-work-related injuries on a 24 hour basis. AccuRisk Solutions will protect the Motor Carrier with a Contingent Liability policy in the event that the injured Independent Contractor may seek Employee status.

Gig Economy

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The gig economy has provided an opportunity for the development of creative Occupational Accident and other insurance products. At AccuRisk, we’re committed to being...
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The gig economy has provided an opportunity for the development of creative Occupational Accident and other insurance products. At AccuRisk, we’re committed to being a leader in this emerging market and we look forward to developing products that better serve this growing sector.

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Supplemental Health

Sometimes your members need a little additional help to bridge the gap in their coverage needs. Count on supplemental health options from AccuRisk, built for what you need most.

MedPair

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MedPair is a fully insured supplemental health insurance product backed by Nationwide. It is a powerful tool to help employers facing expensive renewals and...
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MedPair is a fully insured supplemental health insurance product backed by Nationwide. It is a powerful tool to help employers facing expensive renewals and increasing deductibles who want to limit the out-of-pocket exposure of their employees. We offer both a voluntary and employer-paid plan that is approved in more than 40 states.

Data Analytics

At AccuRisk, we believe you can’t dictate the future with old information. That’s why we let the data do the talking with our sophisticated analyses, which provide broader insight for groups looking to move from fully insured to a self-funded plan. We arm our clients with the right information to fuel the best business decisions.

Self-Funded vs. Fully Insured

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Let us help you evaluate whether a move from fully insured to a self-funded plan makes sense. Or, if your group is currently self-funded, AccuRisk can examine the probable...
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Let us help you evaluate whether a move from fully insured to a self-funded plan makes sense. Or, if your group is currently self-funded, AccuRisk can examine the probable effects of different risk structures within self-funding on your business. Our solution helps groups make more informed decisions based on their individual factors and risk tolerance.

Plan Design Analysis

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By comparing two plans side by side and allowing for customization, we can provide quick answers backed by sophisticated analyses....
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By comparing two plans side by side and allowing for customization, we can provide quick answers backed by sophisticated analyses. To aid in evaluating plans and potential changes, the dollar impact of each decision is illustrated in real time, in the context of the user experience.

Claim Utilization Analysis

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Utilizing up to three years of claims data, our predictive solution normalizes data for large claims, and adjusts yearly for changes in demographics, plan design...
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Utilizing up to three years of claims data, our predictive solution normalizes data for large claims, and adjusts yearly for changes in demographics, plan design and other factors. The solution can also model the impact of participant cost sharing and contributions, allowing benefits managers to complete the annual budgeting process.

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