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Funding Alternatives & Cost Control

Escape the Legacy Model

Fully insured plans are built to benefit the insurer—not the employer. Premiums go up, transparency goes down, and your options get narrower.
We help you break free.
Whether it’s level funding, self-funding, captives, or partial risk carve-outs, we identify the right alternative funding model that delivers control, savings, and long-term sustainability.

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What We Bring to the Table

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Claims and risk analysis to determine the best-fit funding model
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Stop-loss placement that aligns with your cash flow and tolerance
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Access to vendors and networks that reduce cost while preserving access
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Creative plan architecture including reference-based pricing and cost-sharing strategies

Why It Works

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Avoid overpaying for pooled risk you don’t need

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Keep what you don’t spend with the right funding model

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Gain insight into how your plan performs—and how to improve it

The Outcome: A benefits program that spends smarter, adapts faster, and puts you—not the insurance company—in charge.

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A complete benefits and HR program requires more than a health plan.

At Vero Advising, we take a look at your entire program to see where you may have gaps or where you may unknowingly be leaving money or opportunities on the table. Attracting and retaining the employees you really want in your company takes a thoughtful approach, and we're here to help you with that.

Better Plans and Better Outcomes? Is that possible? YES!

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Goals & Plan

Employers need better health care solutions at better costs for their employees and for their bottom lines. At Vero, we take the time to get to know your business and your goals and move toward better plan designs that make sense for your team.

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Offering

There are many options outside of the typical offerings, but many employers don’t yet know this. We love introducing these ideas to employers and giving them a glimpse at what it could mean for their programs!

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Long Term Strategy

Even if you’re not yet ready to adopt a new approach to benefits, we can help you prepare for a transition to a better long-term strategy for managing and taking control of your benefit spending.