VAULT Strategies

VAULT Strategies Creating quality health insurance offerings for our clients and members.

Coinsurance is how you and your health plan share the cost of care after you’ve met your deductible. Instead of paying t...
09/01/2026

Coinsurance is how you and your health plan share the cost of care after you’ve met your deductible. Instead of paying the full bill, you’re responsible for an agreed-upon percentage - while your plan covers the rest, up to your out-of-pocket maximum. (Make sure to check your plan documents.) That shared structure keeps your costs predictable even for expensive treatments, since once you hit that maximum, your plan takes over the remaining balance completely for the rest of the year.

Vault quotes across all programs to help brokers and employers compare the right options before decisions are finalized....
08/19/2026

Vault quotes across all programs to help brokers and employers compare the right options before decisions are finalized. For captive opportunities, generic projections are not enough. We review each client’s census, claims history, and current plan structure to build a customized comparison that may include projected costs, reinsurance protection, captive funding, and potential underwriting surplus.

Waiting too long can eliminate the opportunity to properly evaluate and position an alternative. Send us one client today or book a 15-minute review of your book of business. Let’s get the numbers before another traditional renewal becomes the default.

Don’t walk into renewal with only a rate increase. Your clients will ask what changed - and another round of carrier quo...
08/17/2026

Don’t walk into renewal with only a rate increase. Your clients will ask what changed - and another round of carrier quotes may not be enough. Vault Captive gives brokers a stronger strategy built around transparency, control, active risk management, and the potential to participate in underwriting surplus.

Most feasibility reviews take less than two weeks, but the process must begin before the renewal recommendation is finalized. Send us one client’s census and claims information to start a proof of concept, then book a 15-minute consultation to determine whether a captive illustration can be ready in time for renewal.

Your competitors are quoting. You should be reframing. Most brokers can access the same carriers and plans. The real adv...
08/17/2026

Your competitors are quoting. You should be reframing. Most brokers can access the same carriers and plans. The real advantage is bringing clients a more strategic model first.

A VAULT Strategies Captive can help you:
Differentiate with a stronger financial story.
Retain clients through a long-term strategy.
Participate economically where the structure permits.

Vault works through the broker - helping you strengthen the client relationship, not replace it. Don’t wait until a competing advisor introduces the captive conversation. Review your book, identify one vulnerable account, and book a 15-minute broker strategy session today.

Vault Cares Network was proud to be represented at the NASDVA Conference, which took place August 9–12 in Savannah, Geor...
08/12/2026

Vault Cares Network was proud to be represented at the NASDVA Conference, which took place August 9–12 in Savannah, Georgia. This important gathering brought together state leaders, government officials and business partners for meaningful collaboration focused on strengthening the benefits, services and support available to our nation’s veterans. We had the opportunity to exchange ideas, build strategic partnerships and advance solutions that can improve veterans’ access to high-quality care.

Business owners should be focused on growth - not overwhelmed by HR, compliance, and reporting requirements. VAULT Strat...
08/07/2026

Business owners should be focused on growth - not overwhelmed by HR, compliance, and reporting requirements. VAULT Strategies helps simplify the administrative details, reduce risk, and keep your business moving forward with greater confidence. Spend less time managing compliance and more time building your company. Connect with Vault today.

The margin is already in the premium. Who gets it? In a traditional plan, favorable performance becomes carrier profit. ...
08/05/2026

The margin is already in the premium. Who gets it? In a traditional plan, favorable performance becomes carrier profit. In a captive, qualified employers may benefit from lower costs and returned surplus.

One five-year illustration for 1,168 lives showed approximately $2.94 million in total illustrative value - nearly 23%. Actual results are not guaranteed. Book a 15-minute captive review before renewal locks in the status quo. Email [email protected] to get started.

Healthcare benefits should feel supportive - not complicated. Vault Admin Services combines smart technology, responsive...
08/03/2026

Healthcare benefits should feel supportive - not complicated. Vault Admin Services combines smart technology, responsive service, and compassionate guidance to simplify the healthcare experience. From understanding benefits to navigating claims, our team is here to help members feel informed, supported, and confident every step of the way. Simpler administration. Better support. A truly member-first experience.

As summer begins to wind down and fall approaches, renewal season is quickly moving into full swing. For brokers and emp...
07/31/2026

As summer begins to wind down and fall approaches, renewal season is quickly moving into full swing. For brokers and employers, now is the time to review plan performance, evaluate rising healthcare costs and explore opportunities to strengthen benefits for the year ahead.

It is also an important time to keep employees engaged with their health and informed about the resources available through their plan. As always, VAULT Strategies is here to keep you informed - as well as provide you with August's monthly health happenings!

When an employee faces a complex or high-cost medical condition, the next step matters. Vault Cares Network helps member...
07/29/2026

When an employee faces a complex or high-cost medical condition, the next step matters. Vault Cares Network helps members navigate serious diagnoses, major procedures and complex care with access to leading providers, faster scheduling, second opinions, travel coordination and dedicated concierge support.

For employers, that means helping employees reach the right care sooner - while reducing unnecessary costs, delays and confusion. Most Vault Health Plans already include access to Vault Cares Network. The key is making sure employees know to call before scheduling a major procedure or making a critical care decision.

Contact VAULT Strategies today to learn how Vault Cares Network can support your employees and strengthen your health plan.

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Bloomington, IL

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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