Partnering with Catilze Health to provide solutions for self-insured employers
Programs Available:
Alternative Coverage Program (SHIRA® Solution) & Gifting Solution
What is the Alternative Coverage Program- SIHRA® Solution
Unique, proven financial hedge that transfers risk while creating both positive fiscal and people optics
● Bolt on technology that increases revenues on an evergreen basis without changing any relationships and is cash flow positive within the first 30 days.
● Minimize Insurance Risk results: increased EBITDA, and reduced premium and stop loss expense
● Allows employees and families to choose a medical plan with 100% coverage and no out of pocket expenses (deductibles, co-pays, co-insurance) and no increase in employee monthly contribution.
● 100% coverage allows strong loyalty and recruitment, higher retention, and provides a competitive edge
● Eliminates “financial toxicity” of high deductible plans; employees have greater access to care
What is the Gifting Solution
Unique, proven financial hedge that transfers risk while creating both positive fiscal and people optics
● This population on average is 2 % but equals 50% of the claims
● Minimize Insurance Risk results: increased EBITDA, and reduced premium and stop loss expense
● Allows employees and families to choose a medical plan with 100% coverage and reduced out of pocket expenses (deductibles, co-pays, co-insurance) and no increase in employee monthly contribution
● Provide a personal advocate to help the beneficiary navigate the system
Additional Value of each Program
● Minimize Insurance Risk results: increased EBITDA, and reduced premium and stop loss expense
● Additional savings on future stop loss renewals due to reduction in risk
● Enterprise Value: The EBITDA Impacts are year over year sustainable
● If you have a 5% pretax Margin, you will require a new Revenue source 20x bigger (revenue) to have the same impact yet
● There is NO investment, No development, NO overhead costs
● Turn your Stop Loss Program into an investment Asset (Ask us about that)