CapCare was founded on the premise of providing a single-source, turn-key employee healthcare solution to businesses seeking innovative alternative risk management solutions for their employee healthcare programs that are affordable and more transparent.

The CapCare team understands the many complexities with the healthcare marketplace, and can expertly guide business owners in understanding the alternatives to fully-insured medical programs.

CapCare specializes in the designing, implementing, and servicing of healthcare benefit solutions, on a “white-label” basis, to businesses and organizations seeking alternatives to the traditional health insurance marketplace with a focus on creating a friendly employee/member experience by reducing the friction between patient and healthcare provider – all at a lower cost with access to data-driven analytics.

The primary advantage of offering health insurance through large groups, such as associations and PEO’s, is the ability for a large group to aggregate multiple employers so that the resulting health plan: (a) operates under large group health plan rules – which can save money on administrative and overhead costs as compared to small groups; (b) leverage its scale for more favorable rates when negotiating with; (i) insurers, (ii) health providers, and (iii) other vendors assisting with the provision of health benefits; (c) uses its flexibility to explore health plan designs that may reduce costs further through an exemption from premium taxation and state-specific benefit mandates; and (d) explores whether a fiduciary PBM manager could save money on prescription drug expenses.