A Smarter
Alternative to Ordinary Captives
Meet Virtue Health, a private group stop-loss consortium that allows employers to share risk, lower volatility, and improve benefits – with ease.
The #1 Performing Private Stop Loss Consortium for Midsize Businesses
The #1 Performing Private Stop Loss Consortium for Midsize Businesses
Virtue Health Employers typically spend 37% less on healthcare than the national average.
Employers
Members
Reinventing Self-Funding
Meet Virtue Health
Unlike “Public” group purchasing programs, Virtue Health sets Risk Management Requirements (RMSs) to participate in the program. We have created an easy three-step framework to lower costs.
Feel The Power Of
The Virtue Health Model
Virtue uses a pooled risk model to reduce cost fluctuations and lower premiums. Unlike ordinary captives, Virtue Health is private and selective, ensuring all members are committed to controlling costs. Additionally, employers can join or renew the program at any time.
Group Purchasing
Deliver the benefits experience you want
A healthcare group purchasing consortium is a private health insurance pool with like-minded employers that participate together to control and reduce the cost of their medical spending.
Benefits of the Consortium
The Virtue Health Consortium provides small & middle-market employers a predictable long-term risk financing strategy for stop-loss insurance.
Long Term Stability
- No New Lasers, w Rate Caps
- Ave. SL Increase <6%
- Pooled Renewals
- A.I. Underwriting
Required Cost Containment
- Independent TPA’s Only
- Fiduciary PBM’s Only
- RX Overlay
- Contract Language
Private Membership
- No Misaligned Partners
- Risk Management Requirements
- Elite Advisers
Financial
- Superior Loss Ratios
- No Collateral
- No Cash Calls
- Competitive Terms
- A Rated Paper
Flexibility
- Choice of TPA/PBM
- Multiple Network Options
- Enter & Renew Any Month
The Results
- 68% Loss Ratio Since Inception
- 7% Average Stop Loss Premium Increase Last 3-Years
- Less Than 2% Plan Impact
