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So when you take the 150 life case and treat them as 1500, does that mean you are able to deliver the network discounts as deep as a 1500 life case?
What networks do captive have access too?
What about lasering?
Breadth and depth of the network is the single most important thing in any self funded arrangement in my opinion. This also holds true with captives. If you have a crappy network, a captive arrangement most likely will fail.
It's possible to have access to CIGNA and UHC national PPO networks. These networks are great and offer deep discounts in the 50%+ range. I've also seen a captive that is able to rent the Blue network. You may or may not believe that, but it's happening now.
In the captives I've had experience with, lasers and other risk shifting measures are available to the carrier and they will use them. A carrier is going to prefer an aggregating spec to a laser.
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As far as picking who comes in and who doesn't.... That is very important as well. You should only pick the best risks. I have built a demographic model to screen the risks, but it's not working as well as I would like. Back to the drawing board....