Optimized Benefits. Optimized Results.
The Care Consortium provides expert program management across the full spectrum of employee benefit offerings.
Group Health Benefits
Group Ancillary Benefits
Group Stoploss Solutions
Group Health Benefits
Tremendous Savings Potential Now and for Years to Come.
Zero Member Disruption.
Our group health benefit strategies utilize a stack of industry best-practices bundled into plans that are easy to implement, service, and renew.
Our Flagship Strategy
AlignedCare
AlignedCare represents our core, low-impact strategy that allows members to access care just like they would with any household-name carrier. Backed by our best-practices solution partners, this strategy delivers program savings without altering how members access care.
Our AlignedCare Strategy utilizes proprietary cost-control engines to significantly reduce claim spend and increase protections around rate volatility.
AlignedCarePricing
Specific in nature and designed to control costs around necessary care, while protecting the member and the plan. Results are industry-leading claim pricing, continuity in member care, and full transparency in spending.
AlignedCareRx
Achieving maximum claim savings of up to 85%, this strategy targets all high-cost prescriptions through alternative access programs, international sourcing, and rebate maximizing. Built on a lowest-net-cost strategy, it is completely free of spread-pricing, allows clients to retain 100% of rebates, and reduces member copays on successful interventions to $0.
MaxPerformanceCell
Available in Agg-Only Level-Funded, Spec-Agg Max-Funded, or Traditional Self-Funded. All participating employers access care and control risk through a unified strategy. Independent stop-loss pricing ensures accurate underwriting, while renewals utilize a weighted-collective approach to curb volatility. Reinsurance contracts cover all partners and programs, guaranteeing no gaps in coverage.
Maximized Savings Potential
MaxCare
For clients wishing to be more aggressive, MaxCare takes the AlignedCare best-practices foundation and amplifies the savings through an industry-leading, low-impact claim strategy. It is a transparent approach to care that achieves average new-client savings exceeding 30%. Furthermore, level-funded clients on MaxCare (and AlignedCare) receive 100% of their plan surplus.
Group Ancillary Benefits
Easy-to-Access, Optimized Ancillary Benefits.
Round out your client’s benefit package with our highly competitive ancillary block-strategy. Through our lead carrier partner, Equitable, we provide access to well-running, fully insured pools that deliver industry-leading service, flexible underwriting, and average new-client savings exceeding 10%.
Our Complete Product Lineup
Ancillary Benefits
We offer customizable funding options (Employer Paid, Contributory, or Voluntary) with base/buy-up and takeover abilities for the following coverages:
(Note for Brokers: We pay full broker commissions and bonuses on all ancillary lines)
Dental & Vision
Life (Employee, Dependent, and Voluntary)
Short-Term & Long-Term Disability (with flexible payment durations)
Worksite Solutions (Accident, Critical Illness, Hospital Indemnity)
Group Stoploss Solutions
Creative Pricing & Tailored Reinsurance Solutions
For clients with customized coverage needs outside of standard AlignedCare or MaxCare offerings, our underwriting team brings an open mind and a willingness to think outside the box. All strategy partners and savings programs are fully covered under our reinsurance contracts, ensuring there are absolutely no gaps in coverage.
Custom Risk Protection
Stoploss Solutions
Flexible Funding & Coverage Arrangements:
Funding Options:
Available in Aggregate-Only Level-Funded, Traditional Spec-Agg, or Specific-Only traditional self-funded contracts.
Advanced Protections:
We offer Unlimited Maximum protections, No-New Laser Agreements, Return of Premium Agreements, and flexible Run-In & Run-Out contracts.
Custom Carve-Outs & Riders:
Coverage options include Gene Therapy riders, Pharmacy-Sourcing carve-outs, and specific Network/RBP access arrangements.
Ready to Optimize Your Results?
Whether you are an employer looking for a smarter path forward or a broker seeking deal exclusivity and enhanced client retention, we are here to help.