Program Overview
In a nut shell...
First, CSRRG help you to change your current health plan into a self -funded plan. Second, we will show you how to limit your company’s liability for the claims costs by purchasing a contractual liability policy. By taking these two simple steps, you will take back control of all of your health plan dollars.
Participation in the CSRRG program is more than just a way you can save on your company's employee benefit plan. It’s a way to give you control of the insurance company that works with your company’s self-funded health plan.
That’s because CSRRG offers a turn-key program designed exclusively for the trucking and transportation industry, one that lets you establish your own self-funded health plan.
The Quick Overview for participants:
Improved Cash Flow - Since you pay only a small monthly fixed cost for administration fees and excess insurance premiums to the insurance company you can save with every month.
No Prepaid Claims - The balance stays in your operating account until claims occur. Only when you receive a detailed report from the administrator do you pay. So self funding makes for more than healthy employees—it makes for a healthy cash flow, too.
The Upside is Huge -You pay only your actual claims costs. You keep all savings.
Excess insurance caps your exposure to your selected deductible and comes in two forms: specific and aggregate. Specific provides protection for you against high claims on any one individual. Aggregate protects you against a large number of claims by capping your maximum plan liability at your fully insured premium. In short, you can reduce costs—and gain a significant cash flow benefit.
"How do I get started?" 
For participating companies, the rewards can be significant. If you meet the minimum initial requirements below, setting up your own self-funded health plan through CSRRG is well worth exploring.
1) Must have a minimum of 60 employees on your current plan.
2) Must provide a confidential 2-page questionnaire from all eligible employees so the underwriter can determine the overall health of your group. (This requirement is waived if you can provide current valued loss runs for the most recent two years).
"I want to learn more!"
Want to start saving on your employee benefits—and own a piece of your own insurance company? If you meet the requirements above, you’re a candidate for participation. Please contact Jerry Stechmann at (800) 486-9278 or email: jerrys@kciinsurance.com