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What Is a Self-Funded Health Plan?

A self-funded (or self-insured) health plan is one in which the employer assumes some or all of the risk for providing health care benefits to their employees. The employer takes control of the assets of the plan, invests them to his advantage and eliminates the insurance company charges. Employers can completely redesign the plan to meet employee needs.

Why Spend More When You Can Save By Self-Funding

Company ABC Inc. has a medical premium on its employees healthcare benefits of $1,000,000 per year, but only had $750,000 in claims for that year. What happened to the remaining $250,000?

Their insurance company certainly does not write a check back to ABC Inc.

With a protected self-funding plan with CAS, ABC Inc. could have kept the extra $250,000!

Service To Fit Your Needs

Health care premiums keep rising year after year? Are you tired of being the one that has to share the bad news with your company and/or the employees? Do you know your company's utilization or how much money you can save?

Employers turn to self-funding when their traditional insurance programs fail to meet or exceed their cost expectations. CAS is dedicated to educating employers on the savings that are available with health care through protected self-funding.

CAS has been helping professional and public entities in finding solutions for risk management programs since 1999. Our president had more than 30+ years in the health insurance industry. When she came across self-funding 15+ years ago, she saw the advantages and cost containment solution for her clients. In 1999, CAS opened to provide unsurpassed customer service and to focus solely on the protected self-funded market. CAS has long-term and solid relationships with many reinsurance carriers, and several carriers work exclusively with us here in the Pacific Northwest.

CAS will help you improve your productivity and increase employee participation in your benefits programs by reducing your administrative and regulatory responsibilities.