Self Insurance

For many companies, self insuring their health plan makes good financial sense and provides them with distinct advantages over fully insured programs.


twentytwenty clients are provided with over 35 years of knowledge, experience and expertise.  Aside from technical reasons, partnering with twentytwenty provides you with:


Sounds simple enough.  But does experience really matter?  Isn’t the world of self funding pretty black and white?  It is actually not. And within those many moments of gray area in which our value is defined.  It is easy to make missteps which can end up putting your company into a very uncomfortable financial situation.


We have been in self funded market place for over 35 years.  We know the players and have strong relationships.  Those relationships are critical; especially in moments such are final disclosure where our ability to leverage our relationships with stop loss carriers is what can make or break pricing.


Before anything else, we are data nerds.  We have been deeply involved in so many plans over the years that we know how to drill through the numbers correctly to get you data with meaning.  This is make or break when it comes to things like utilization analysis, wellness, communication, and disease management.  It is also a critical consideration when developing the plan design itself.


Similar to market awareness, our strategic partnerships with Pharmacy Management firms, High Performance Providers, Silent Networks, Wellness/Disease Management programs, Health Care Concierge services, Direct Contracting, Telemedicine allow us to be confident we are wringing efficiency out of every single dollar you company spends on health care costs.


Stop loss is tricky and expensive.  There are so many issues that are out of the control of your company.  We monitor the market place of stop loss providers and find you the broadest coverage at the best price taking into consider how much risk you should retain and how much risk should be laid off to the stop loss insurance.  We provide the experience and expertise to help you in the selection of the type of coverage, the marketing andthe placement of the coverage putting over 35 years of carrier and MGU relationships at work for your company.


Every company is different and has a diversified workforce.  Has your consultant/broker taken this into consideration in building and managing your self insured plan or have they taken the easy route using a cookie cutter approach?  Our custom approach when making recommendations takes into consideration specific factors within your company including demographics, company locations, employee health care profiles, employee income levels, plan education challenges, needs for focused concierge services, etc.


We LOVE self funding.  Love it.  That makes us effective committed stewards of your company’s check book.