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Benefits broker outlines captive, stop‑loss and pharmacy strategies ahead of April renewal
Summary
USI representatives briefed the commission on the county’s self‑funded health plan, explaining stop‑loss trends, captive arrangements, an allied advocate negotiation program for large claims and pharmacy options that they estimate could reduce county spend by roughly $170,000 in an alternative scenario.
Representatives from USI presented options to Linn County commissioners for managing the county’s self‑funded employee health plan ahead of this year’s renewal.
USI staff (including Amy Schroeder, Kansas operations manager) explained national stop‑loss renewal pressures and offered a captive arrangement as one mechanism to stabilize renewals. They described an “Allied Advocate” program that…
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