603.883.3773
incap@hilbgroup.com
7 Henry Clay Dr., Merrimack, New Hampshire 03054, United States
Maximizing cost savings while ensuring competitive employee benefits is crucial for businesses, especially considering that employee benefits costs rank among the top three expenditures for employers. At Hilb Group, we understand the importance of tailored solutions to meet your goals and optimize benefits for both your business and your employees. As your dedicated benefits partner, we go beyond mere benefits administration, providing ongoing support and guidance throughout the year. Our innovative InCap® health care captive program offers a compelling solution to combat escalating health premium costs. Unlike traditional fully-insured plans that lock you into fixed premiums, InCap redistributes annual profits back to member companies, empowering you to take control of your healthcare expenses while retaining financial benefits for your organization.
InCap provides an array of benefits that member companies enjoy every year. The benefits of participating the InCap health care captive program include:
To learn more about our services, click here.
“The transition was seamless and (Hilb Group) makes it easy for you,” said the company’s Senior VP of HR. “When we are wearing five different hats, Hilb Group just needs a date and time, and they take care of the rest… Within the first 3 years of the program, a lot of employees stopped smoking thanks to the
wellness program education and accountability.”
The VP of Human Resources remarked, “If you have financial stability, there is no other plan you should do. It is the right thing for your company and employees. Hilb Group has helped us reduce a significant amount of cost. We can control expenses while also providing quality products to employees. The flexibility in the product lets us analyze and look at trends to make educated decisions. For example, we joined a PBM to save on prescription costs and provided information regarding urgent care to save on ER costs.”
The savings from being part of INCAP contributed to other programs that keep their employees happy and even improve employee retention.
“The way I look at it, every fifth year, I get a free year of insurance,” and that, “employees are always. impressed by our benefits. We retain more employees because that is something they don’t have to worry about. We take care of them well.”
