Captive insurance
A different approach to employee health benefits.
Captive insurance offers an alternative approach to traditional employee health coverage. By participating in a group captive arrangement, qualifying employers can share certain insurance risks and potentially gain more insight into their healthcare costs.
How a group captive works
Employers participate together and share certain risks.
In a group captive arrangement, participating employers share certain insurance risks instead of relying only on a traditional health plan.
That structure can offer an alternative to traditional coverage and the potential for greater cost visibility. Clear Benefits helps independent pharmacies understand these opportunities and determine whether captive insurance may be a fit for their business.
How we work with you
Guidance from first questions through enrollment.
Understand eligibility
Learn what participation involves and whether your pharmacy may qualify.
Evaluate your options
Compare a captive arrangement with your current coverage and what you want to offer your team.
Navigate enrollment
Get help with the enrollment process if a captive arrangement is a fit for your business.
Worth knowing
What results depend on.
Captive insurance is not automatically the right fit, and it does not guarantee lower premiums or savings. These are the factors to review for your pharmacy.
The specific program
Each captive program has its own structure and terms.
Underwriting
Participation and terms depend on how a group is evaluated.
Claims experience
Claims can shape how a group’s costs develop over time.
Risk-sharing arrangements
How risk is shared determines what participating employers take on.
Questions
Captive insurance FAQ
Still unsure? Use the “Ask Clear Benefits” button or call (833) 627-4414.
What is Clear Benefits?
Clear Benefits is a PPOk company, established in 2023, that helps independent pharmacy owners explore alternative employee health insurance solutions through captive insurance programs, with help understanding eligibility, evaluating options and navigating the enrollment process.
What is captive insurance?
Captive insurance offers an alternative approach to traditional employee health coverage. By participating in a group captive arrangement, qualifying employers can share certain insurance risks and potentially gain more insight into their healthcare costs.
How is it different from a traditional health plan?
A group captive arrangement is an alternative to traditional employee health coverage. Participating employers share certain insurance risks, which may offer more insight into their healthcare costs.
Does captive insurance guarantee lower costs?
No. Results depend on the specific program, underwriting, claims experience and risk-sharing arrangements. Clear Benefits can help you understand what to consider for your pharmacy.
Is my pharmacy eligible?
Eligibility depends on the specific program. Talk with Clear Benefits to review your pharmacy and whether captive insurance may be a fit for your business.
How do I get started?
Send a message from the contact page, call (833) 627-4414 or email info@yourclearbenefits.com.
Explore your benefits options.
Talk with the Clear Benefits team about whether captive insurance may be a fit for your pharmacy.