Do I need to change benefits to use the JMR solution?

No, you do not need to change your existing benefits to use the JMR solution. Our platform integrates seamlessly with your current benefits package, allowing you to maintain the same level of coverage and options for your employees.

What network of doctors can my employees use?

Your employees can continue to use their current network of doctors. Our solution works with major provider networks including Aetna, BlueCross Blue Shield, and UnitedHealthcare, ensuring your employees can see their preferred healthcare providers without any disruption.

What changes do my employees see?

From an employee's perspective, there will be minimal to no noticeable changes. They will continue to receive the same benefits and access to their preferred healthcare providers within the Aetna, BlueCross Blue Shield, and UnitedHealthcare networks. The primary difference they might notice is an improvement in the efficiency and coordination of their care.

What is the typical financial savings to the company?

The typical financial savings for companies using our platform can vary, but many of our clients see reductions in healthcare costs ranging from 15% to 30%. These savings stem from implementing cost containment programs, plan customization, and cutting out excess profits.

How challenging is the transition to your platform?

The transition to our platform is designed to be smooth and minimally disruptive. Our experienced implementation team will guide you through every step of the process, from initial assessment to full deployment. Most companies complete the transition within a few months, with comprehensive support throughout.

How long has captive risk financing been around?

Captive risk financing has been around for several decades. It began gaining popularity in the 1960s and has since evolved into a well-established and sophisticated method for companies to manage and finance their risk.

What is my maximum risk if I have a lot of claims each year?

Your maximum risk is capped at 9%, ensuring that you will not face unlimited financial exposure. Our program includes stop-loss insurance and other risk mitigation strategies to protect your company from unusually high claim years, providing financial predictability and security.

How does your program save me such significant dollars?

Our program saves you significant dollars through a combination of cost containment programs, plan customization, and cutting out excess profits. By using captive risk financing, you can reduce administrative costs, negotiate better rates with providers, and retain more control over your healthcare expenses.

How much more work does this cause for our benefits team?

Our solution is designed to minimize the additional workload for your benefits team. We provide comprehensive support and tools to streamline administrative tasks. Our goal is to reduce the burden on your team by handling much of the heavy lifting associated with managing healthcare benefits.

Why have I never heard of this and why isn’t everyone using it?

Captive risk financing and advanced healthcare management strategies are more common among larger organizations and may not be as widely known in smaller companies. However, as healthcare costs continue to rise, more companies are exploring innovative solutions like ours. The complexities of healthcare financing and risk management may also contribute to the lower visibility of these solutions. Our goal is to educate and empower companies of all sizes to take advantage of these significant benefits.