1. Low Cost, Multiple Plan Sponsor, Pooled Risk Health Insurance Captive
HR Specialty Products & Services Catalogue Executive Summary
A No Frills Distillation of Vendor’s Marketing Collateral
Thomas A Ference
President & CEO
Human Resources Mining & Distribution Co
Locating, Validating and Accelerating HR  Innovation
Office:
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2. Nationwide Pooled Risk Medical Benefits Plan
Organizations with experience rated or fully-insured healthcare benefit plans may wish to consider pooling their risk with other employers / organizations under this plan so as to affect a cost savings.
4 different plan designs are available in this multiple-plan-sponsor captive available to any sized employer with 25 or more continuously covered employees working 25 or more hours per week. The group can also opt to keep their own current plan designs.
Employees /applicants must fill out individual medical /health questionnaires upon enrollment as this keeps premiums low and rate increases competitive (Questionnaires not required if YTD and 3 previous years of claims experience is provided for final underwriting and rates)
Employer groups (not individual employees) are either accepted or rejected for plan participation at time of initial plan start up

3. Other Important Tactical Features
Program utilizes a national PPO open access physician and hospital network.
Program is fully-funded with "excess-loss" policies issued by Gerber Life - A++ rated
TPA utilizes most up-to-date medical claims systems with the latest claims coding modules.
Employer has no / $0 liability for any administrative or run-out claims costs when terminating from the program and no upfront cash is required to join the plan
Premium billing, COBRA, employee communication, etc. handled by TPA
More operational level details about the plan can be discussed in a conference call or within a webinar

4. How the Plan Works Successfully
Stop loss insurance
shifts excess risk
To Gerber Life
Medical underwriting
mitigates claims risk
and helps keep premiums low
Captive Insurance Company
Employer A 1000 ees
Employer B 50 ees
Employer C
25 ees
Employer D 250 ees
Employer and employee
paid premiums go to
fund the captive
Claims from employers A,B,C and D are pooled together for stability

5. Potential To Receive Cash Dividend
Employer A $
Employer B
$$$$
Employer C
Employer D
Dividend is distributed pro-rata based on
premiums paid when loss ratio is less than 93%

6. Average renewal rate increase has been 8.8% throughout in all 3 years
Loss Ratio History
Time Period
This Plan
2014 (First Year)
99.8%
2015
79.2%
2016
90.0%
Average renewal rate increase has been 8.8% throughout in all 3 years

7. Fees-At-Risk Administration Performance Guarantees
Performance Standards
Penalty as a % of Administration Fees
90% of all claims to be processed within 90 days 2%
Financial accuracy = 98%
Call abandonment rate < 5%
Each group is measured independently
Combined penalties are limited to maximum of 4% of administration fees per 12 month period
Overall performance calculations are determined on an annual basis

8. Next Steps
This product/service is contained in the HR Specialty Products & Services Catalogue™
Operational level details about this particular service provider can be obtained in conference with the vendor
The HR Mining &Distribution Co. is an independent and contracted representative of the vendor
Upon your request, we will arrange for an introduction that can range from a simple, quick conference call to a services overview / system demo
Tom Ference (Chicagoland area) or
Thank you for your interest in this fresh thinking approach in providing a more cost and coverage effective solution