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edHEALTH's Captive Risk Management Options

How edHEALTH’s Captive Risk Financing Options Work

Under edHEALTH’s captive, member organizations pick their own self-insured retention level based on their risk tolerance, philosophy, financial status, and experience. In addition to the s...

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The ABCs of Captive Insurance

Twenty-two colleges, universities, and educational institutions own Educators Health, LLC (edHEALTH), a healthcare collaborative formed to address rising healthcare costs that were straining school budgets. By bypassing commercial insurers and pooling resources, edHEALTH leverages the combined schools’ purchasing power, thereby saving on healthcare costs for faculty, staff, and family members. But, did you know that edHEALTH’s wholly-owned subsidiary, Educators Health Insurance Exchange, is a group captive insurer?The captive insurance company’s main purpose is to insure its own risk. By joining colleges and universities together as a single purchaser, the schools gain market leverage. The captive manages its own risk through claims management, innovative programs aimed at loss control, and collaboration with strong business partners.Here are the ABCs on how the Educators Health Excha...

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Prevalence of Diabetes Growing: Chronic, Costly, and Deadly Disease Takes Toll on Patients and Payers

If you attended edHEALTH’s Annual Meeting, you saw the visual impact of diabetes in the United States. The prevalence has skyrocketed between 1990s and today, according to the Centers for Disease Control (CDC).  Today:Diabetes prevalence: An estimated 30.3 million people have diabetes (9.4 percent of the U.S. population – an increase of 44% since 1998)Pre-diabetes prevalence: An estimated 84.1 million people (more than 1 out of 3 adults) have pre-diabetes: 9 out of 10 don’t know they have it.Diabetes, which occurs when blood glucose, also called blood sugar, is too high. The main types of diabetes are type 1 (also called Juvenile Diabetes where the immune system attacks and destroys insulin-producing cells in the pancreas), type 2 (as well as prediabetes where cells become resistant to the action of insulin), and gestational (in pregnancy, too little glucose gets into the mother’s cel...

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