How to Lower Healthcare Costs,
and Improve the Lives
of the Sickest Members at the Same Time?

How Does Your Knowledge
of Self Funding and
Bending The Cost Curve Rate?

The goal for any SIE client is a simultaneous significant reduction in plan costs and improvement in employee satisfaction and engagement.  Employers need to have the data on how the plan is running today as well as a “stress test” to know the range of possible outcomes in the future. We believe that employers and plan sponsors need this level of analysis.


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Many employers with fully insured plans have never considered partial self insurance; for the rest, too many of them have been willing to focus almost exclusively on the fixed costs of administration and stop-loss insurance, as if the variable claims costs cannot be affected. The adage, “The claims are the claims” does not need to be true. These employers might even have taken the advanced step of adding an on-site clinic, but if they stop there they are greatly sub-optimizing their opportunities.



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The term “self funding” can lead to unnecessary anxiety among those not familiar with the methods to control risk or are generally not familiar with the many advantages (and disadvantages) of such plans. In comparison to a traditional fully insured health plan, where for a fixed monthly premium all or most of the risk is with the health plan, in a self funded plan, the risk is on the employer or plan sponsor (although most of the risk is laid off to separately purchased catastrophic stop-loss coverage).


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SIE exists for one reason—to evangelize the need for employers to become engaged and optimize medical cost management. We enable companies to take advantage of the latest in cost-cutting tools, resources, and expertise. Self funding is not a panacea and it is not right for every firm, but it does allow employers to maximize the value of those latest tools and resources. For health plans that are already self-funded, it will work to optimize the cost saving opportunities of the plans, even while helping to improve employee engagement and satisfaction with the plan.

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SIE is laser-focused on all of the many numbers of self funding in order to save employers money, but it doesn’t stop there.

Reduce or Eliminate
Unnecessary Surgeries

Find Tomorrow's
Large Claimants Today

Avoid Tragic
Medical Events

Save Lives Beyond What
The Health Plan Offers


FREE Report:

How to Lower Healthcare Costs and Improve the Lives of the Sickest Members at the Same Time

Stop Loss Long-Term Protection Needed

There is a scene in the John Wayne movie, Big Jake, where John Wayne as Jake comes upon a sheep farmer with a noose around his neck, about to be hanged by arch enemy cattle ranchers. Jake decides to make this his business by offering to buy the sheep for a stated very...

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Sample Questions for Self-Funding Sponsors

While much is said about employee engagement little is said about employer engagement, and yet to optimize a health plan the employer really needs to be engaged in the process and ask the right questions. Here are some sample questions for plan sponsors that currently...

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Customized Stress Test Report

Sometimes catastrophic, expensive claims can occur that are ongoing, year after year. What guarantees does your stop-loss coverage include for later years if no other carrier will take you? Find out how you will fare in this report– it might be eye-opening.

Customized Cost Control Guide

Understanding the cost impact of each component part of a self funded health plan— and understanding the many options available to potentially reduce the cost of each component—can be the start to controlling overall plan costs.

Deep-Dive Health Plan Analytics

This report outlines how data analytics can help find the needle-in-the-haystack member who is not compliant or is not aware of his or her at-risk status, thus potentially saving money and improving health.

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"Be Our Guest"

Obtain a Feasibility Study for Self Funding Medical Insurance

"Can I get a witness?"

Expert Second Opinions as an Employee Benefit

"Don’t Fence Me In"

Access to Non-Traditional Medical Care

"I can’t get started."

How to Get Going on Bending the Cost Curve

"When you get to Asheville."

What the Asheville Project means to you – Don’t miss this!

"Still Crazy After All These Years"

Healthcare Costs In America

"Stop Stop Stop"

The Ins and Outs of Stop-Loss Insurance

"Please Please Me"

Concierge Care as a Cost Control Program

"Money For Nothing"

Consultants and their Fees

"Show Me The Money"

Should Fully-Insured Plans Switch To Self Insurance To Save Money?

"Call Me"

The Rise of Telemedicine

"Chances are."

The Importance of Managing Risk in Bending the Cost Curve

"Getting to Know You."

Self-Funded Claims and Privacy Concerns

"I Can't Go For That (No Can Do)"

Medical Mistakes Happen All Too Often

"Let it go."

The Need to Move Beyond Old Stereotyped Beliefs

"You Made Me Love You (I Didn't Want To Do It)"

Is it Time to Consider a New Broker or Consultant?

"Simply Irresistible"

It Can Be Difficult to Consider Change

"I Want A New Drug"

The Need to Tackle High Drug Costs

"We Are Family"

The Necessary Human Side of Insurance

"Out of Control."

The Unreasonable Regional Variability of Healthcare Costs