Rooted in our community. Growing stronger together.
Self-funding that works for mid-sized Pacific Northwest employers. Our captive program reduces risk and volatility while providing transparency and control.
Oak Tree is an exclusive captive bringing together forward-thinking employers seeking a better way to manage costs while maintaining quality, affordable employee healthcare. Our approach leverages collective purchasing power and proven risk management strategies for scale with stability. Through effective cost containment and risk mitigation, we help create stronger employers, and healthier members.
OUR SOLUTION
Our captive program offers five key advantages: community-based centered approach, specialty cost-savings and proactive Rx, strategic medical pricing solutions, access to tailored Moda Health plans, and Garner Health's doctor quality analytics.
Clarity
What you see is what you get. No hidden fees, just clear information that helps you make better decisions about your group health.
Collaboration
Success leaves clues. When a member employs a strategy that works, everyone benefits through shared learning.
Commitment
Promises matter. Our members stay because we speak clearly, directly, and always do what's in their best interests.
WHY CHOOSE OAK TREE CAPTIVE
See further. Plan better.
Traditional insurance keeps you in a cycle of rising costs and limited visibility. Our captive program provides you with resilient structure and canopy-wide insight to reach higher and realize long-term stability.
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75+
Years of Team Experience
100%
Full Passthrough Transparency
MEMBER BENEFITS
Less risk. More return.
01
Ownership Advantage
As a member of Oak Tree Captive, you become part owner of your insurance company. This gives mid-sized employers like you the stability and benefits of traditional self-funding without exposure to market volatility.
02
Strategic Framework
Our three-pronged approach optimizes your risk exposure: you retain your small to medium size claims, share larger claims across the captive pool, and transfer catastrophic claims to a reinsurance carrier. This provides control and protection.
03
Collaborative Excellence
Join member meetings to connect with peers, discover best-in-class cost containment strategies, and claims management. Experience the rewards of a program you've helped build.
04
Profit Sharing
Take actionable cost savings measures, spend less on claims, and capture that financial value. Every dollar saved flows directly back to member-owners. Your captive, your profit.
05
Medical Plans Fit For Groups
Through Moda Health, your employees receive personalized service, flexible plan designs and access to high-quality, cost effective care through their Connexus Network. Dental and vision available.
06
Doctor Quality Analytics
Garner Health’s next generation doctor performance analytics ensures the highest quality care from doctors who follow the latest research, diagnose patients accurately, and consistently deliver better outcomes at a better price.
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