“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.”

"As we begin 2025, I want to send a thank you for your help introducing InCap to my clients. Significant health insurance premium rate increases has created tremendous anxiety for many of those clients over the past couple of years.

Fortunately, the InCap option has been a very successful solution. Not only saving significant premium dollars but the service from everyone at InCap, HPI & the other InCap partners has been second to none. This has been especially true for my most challenging accounts. Utilizing the data made available through HPI we have been able to introduce unique programs including; the Variable RX Co-Pay plan & the SHARX RX program. Both of these programs have been very successful not only mitigating many RX issues but in this challenging RX environment these programs have been a welcome relief and have saved significant dollars that would otherwise gone to RX payments.

Noreen, I very much appreciate your advice, support and the speed of your response. I am delighted with the results. Thank you again for a great job."

“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.”

"We just completed two very successful first year renewals with InCap Hilb clients. There is certainly a learning curve for the clients, however implementation went smoothly and the communication and education of the quarterly reviews were extremely effective.

Both clients were formally fully insured and now greatly appreciated the transparency and new vendor partners for cost savings. Both clients also received significant savings from the rebates and PBM engagement. I now consider it an obligation to present InCap as an option for any of my 50+ fully insured clients."

"This was my first case I have written with InCap and my first case with a group captive. InCap has been the best move I have made in many years. Noreen, my broker/Consultant with InCap, has been excellent. She has done everything she had promised and more. Noreen has set up quarterly meetings with my client and has taken the lead to get my client very comfortable with their move to a captive.

It has only been 6 months, but Noreen just recommended a change to the company prescription plan. The result is a savings of $80,000-$100,000 for prescriptions. I wish I could write all my clients with InCap, they have been great!"