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IS SELF INSURANCE A GOOD FIT FOR YOU?
New options for employers
Self insurance is a big step for most companies. But done effectively,
it can solve many of the frustrations employers report when dealing with
fully insured plans. It puts you in greater control of your benefits,
your service levels, and your costs, while still meeting the needs of
your employees.
How to know
These customized programs are not for everyone, and it's good to study
your plan carefully before moving forward. The professionals at Western
Benefits can work with you and we have created the following "Quick
Check List" for your clients to consider self insurance.
Typical Profile of a Self-Insured Plan
- Minimum of 50 employees
- Single or multi-state location
- Appetite to assume some risk
- Good to average claims experience
- Active in the management of employee benefits
- Good communication with employees
WHAT’S NEXT
To learn how your company might explore your options, let us help you with these next steps:
- Review of your last two to three years of claims experience
- Review of any open large loss claims
- Current census of employees by sex, age and dependent status
- Review of current plan design
- Determine your goals for your plan and future needs
- Assess whether self-insurance is a solution for you