How does it work?

The UCC brings all of our participating employers together and provides the security of greater numbers by overlapping their protection. This insulates our clients from rate volatility and sudden price spikes.

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Under performers see low incurred plan claims, triggering the refund aspect of our program. Over performers insulate those who may have had a less than ideal plan year. On average, plans over-perform 60-80% of their years.

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Under performers see high incurred plan claims, triggering the protection aspect of our program. Over performers insulate those who may have had a less than ideal plan year. On average, plans under perform 20-40% of their years.

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The consortium acts as a lifesaver for participating employers. If they have a bad year anywhere else, they will see large price increases. With the consortium they will see manageable increases resulting from the over performing members reducing the impact of their price increase to a manageable level. Over performers will benefit from a refund and little to no rate fluctuation.

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It’s the job of the consortium to provide cutting-edge cost containment to our participating employers. Our goal is achieving the highest level of stability, and to maximize employer refunds. We average a 13% refund of projected plan costs.