CONTROL YOUR DATA, CONTROL YOUR COSTS.

Capstone’s Multiemployer Benefits Cost Optimization (MEBCO) is a propriety approach to analyzing multiemployer benefit plan data, identifying costly trends, and recommending solutions to drastically reduce costs.

As an independent third-party consultant, Capstone’s singular focus is to significantly reduce your benefits spend. Simply put, we do not make money unless you save money.

pILLARS OF THE MEbco process:

Transparency

The MEBCO Report provides detailed insight into each and every profit center within your benefits plan. Understanding the businesses and margins of your vendor partners ensures you're getting the right services at the right price, and as much as possible trying to fix misaligned incentives (i.e. in some cases, everyone makes more when you pay more).

Flexibility

We are sensitive to existing relationships. By operating as an independent consultant, we never ask our clients to “fire” their existing broker or vendor partners. We identify troublesome trends and recommend alternatives as a result of an extensive RFP process, yet remain amenable to the final decisions of our clients. Our flexible approach allows us to operate in whatever capacity works best for our clients; from simply identifying potential cost savings opportunities to providing robust actuarial, plan design and strategy services.

Forward-Thinking

Our National healthcare system continues to evolve, as does the ways employees access cost effective care. We feel an obligation to stay ahead of that curve by following thought leaders who are fixing decades-old problems in healthcare.  The things Amazon, Berkshire Hathaway and Chase set out to do are possible; they just don't align with the interests of their healthcare holdings.

Results-Driven

Expenses are only one side of the equation. Our analysis also takes income into account by developing an overall income statement tracking and budget forecasting to each clients’ specs

We're the people who have an interest to drive cost down.  There are not many of us.  We will work speculatively within certain parameters, and are a best fit for 500 to 50,000 multiemployer life groups.