From Kim Miller, Director of Human Resources, Four Seasons Produce, Inc.
KBP has given us greater control of our healthcare expenses and improved predictability when budgeting. Our employees appreciate the stability of our relationship with Highmark, and we appreciate the flexibility that comes with being self-insured. The biggest impact has been on the financial side in our ability to maintain any surplus funds during a good year to offset future healthcare costs. This is not possible with a fully insured model. With KBP, we have the buying power of the entire group, while our risk is limited to only our company’s claims. KBP has the best features that both a consortium and a captive have to offer. It’s a unique design that benefits the financial position of its member organizations.