Complex Risk
At Wholesure, we specialize in navigating the intricacies of complex risk management. Our team provides tailored solutions designed to safeguard your business against multifaceted challenges. Leveraging deep industry expertise and innovative technology, we deliver comprehensive risk assessments and strategic advice, ensuring your operations remain secure and resilient in an ever-evolving landscape. Working with Wholesure, you’ll enjoy unparalleled protection, precision in policy structuring, and an active approach to risk mitigation tailored to your unique business needs.
Deliver Clinically-Lead Products & Solutions
Combine the delivery of proprietary healthcare cost containment products, solutions, and expertise with clinically-informed and data-driven population health strategies.
Provide Optimal Premium Stewardship
Develop and deploy proprietary, risk-bearing programs that enhance our service offering by providing employers with innovative funding strategies, greater cost control, and maximum return on their healthcare dollars.
Leverage Technology & Drive Digitization
Streamline the benefits administration experience by increasing field-level adoption of digitization principles within their book of business by utilizing proprietary technology and preferred integrated HRIS/enrollment platforms.
Serve the Total Client with Broad, Value-Rich Solutions
Support prospect nurturing and client retention with holistic compliance solutions provided by specialized practice groups.
Complex Risk
Unbundled TPA Stop-Loss & Consulting Services
- Access to PBM consortium and consulting services
- Guidance on stop-loss insurance, ensuring clients understand key contract features.
- Supports in structuring and integrating essential services, such as administrative and PBM solutions, to align with financial and risk management objectives.
- Narrow market checks and internal manual reviews to evaluate rates before engaging external markets, minimizing disruption.
- Risk assessment and contract optimization, ensuring competitive pricing and favorable terms.
ASO & Large Carrier Stop-Loss Markets
- Access to an extensive stop-loss market network (20+ carriers), ensuring competitive benchmarking and tailored coverage.
- Comprehensive stop-loss reporting to provide insights on financial performance, claims exposure, and renewal expectations.
- Supports claims filing and reimbursement processes, ensuring accurate and timely recovery of stop-loss claims.
- Data-driven market analysis to help clients navigate carrier options and select the most advantageous coverage structure.
Underwriting & MGU Solutions
- Custom stop-loss underwriting solutions, tailored to fit the specific risk profile of self-funded groups.
- Exclusive strategic programs in collaboration with health strategy teams to optimize funding mechanisms.
- Enhances efficiency in quoting and policy structuring, reducing underwriting time while ensuring precise risk assessment.
Captive & Alternative Risk Solutions
- Designs and helps implement customized captive insurance solutions, allowing clients to take better control of risk financing and participate in program underwriting profits.
- Develops multi-layered risk management strategies, providing access to alternative funding mechanisms beyond traditional stop-loss structures.
- Enables cost efficiency through group purchasing and alternative risk transfer models, helping clients achieve greater financial predictability.
- Comprehensive feasibility studies and ongoing captive management, ensuring long-term success and sustainability of captive programs.
Optimize Internal Resources
- Free up staff by outsourcing complex risk management tasks.
Access Advanced Tools & Services
- Leverage expert analytics, underwriting support, and claims management.
Improve Client Cash Flow
- Expedite claim reimbursements through proactive claims management.
Secure Better Pricing & Contract Terms
- Gain competitive stop-loss pricing and optimized contract structures.
Reduce Liability Exposure
- Minimize compliance risks and prevent costly errors or omissions.
Eliminate Coverage Gaps
- Ensure seamless alignment between stop-loss policies and benefit plans.