{"id":29389,"date":"2024-12-10T10:27:48","date_gmt":"2024-12-10T15:27:48","guid":{"rendered":"https:\/\/davies-group.com\/northamerica\/?post_type=insurance-services&#038;p=29389"},"modified":"2024-12-20T12:44:18","modified_gmt":"2024-12-20T17:44:18","slug":"lh-actuarial-self-insured-major-medical-insurance","status":"publish","type":"insurance-services","link":"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-self-insured-major-medical-insurance\/","title":{"rendered":"L&#038;H Actuarial Self-Insured Major Medical Insurance"},"content":{"rendered":"\n<div class=\"wp-block solutions\">\n\n    \n<span class=\"hero-bg\">\n    <section class=\"solutions-hero-section\"   >\n\n        <div class=\"hero-content\">\n            <h1>Self-Insured Major Medical Insurance<\/h1>\n            <h2>Supporting self-insured employer groups, small group captive programs &#038; more <\/h2>\n            <h3><\/h3>\n\n                            <button type=\"button\" class=\"seablue-button button\"\n                        data-toggle=\"modal\" data-target=\"#freeconsultation\">Get in touch                <\/button>\n            \n        <\/div>\n                                <style>\n                .mask1 {\n                    -webkit-mask-image: url('https:\/\/davies-group.com\/northamerica\/wp-content\/themes\/daviesgroup-na\/assets\/solution-header-mask.svg');\n                    mask-image: url('https:\/\/davies-group.com\/northamerica\/wp-content\/themes\/daviesgroup-na\/assets\/solution-header-mask.svg');\n                    -webkit-mask-repeat: no-repeat;\n                    mask-repeat: no-repeat;\n                    mask-size: cover;\n                }\n            <\/style>\n\n            <div class=\"mask1\">\n                <img decoding=\"async\" src=\"https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2024\/09\/shutterstock_763046476-scaled.jpg\" alt=\"\" >\n            <\/div>\n            <\/section>\n<\/span>\n\n    <!-- Hero Form Modal -->\n    <div class=\"modal fade\" id=\"freeconsultation\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"freeconsultation\" aria-hidden=\"true\">\n        <div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n            <div class=\"modal-content mt-2 rounded-lg\">\n                <div class=\"modal-header\">\n                    <h5 class=\"modal-title\">Life &#038; Health Actuarial <\/h5>\n                    <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                        <span aria-hidden=\"true\">&times;<\/span>\n                    <\/button>\n                <\/div>\n                <div class=\"modal-body\">\n                                        Please complete the form below to connect with a team member                    \n<div class=\"wpcf7 no-js\" id=\"wpcf7-f20432-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"20432\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/northamerica\/wp-json\/wp\/v2\/insurance-services\/29389#wpcf7-f20432-o1\" method=\"post\" class=\"wpcf7-form init\" id=\"contactus-LifeHealthActuarial\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"20432\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f20432-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Ben.Cohen@us.davies-group.com\" type=\"hidden\" name=\"destination-email\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"contactus-Life&amp;HealthActuarial\" type=\"hidden\" name=\"html_id\" \/>\n\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"full-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Full Name\" value=\"\" type=\"text\" name=\"full-name\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company\" value=\"\" type=\"text\" name=\"your-company\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-telephone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"your-telephone\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-position\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Job Title\" value=\"\" type=\"text\" name=\"your-position\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Message\" name=\"your-message\"><\/textarea><\/span>  <\/label>\n\n<div class=\"form-selection\">\n  <p>What would you like to discuss with us?<\/p>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"service_choices_solutions\"><span class=\"wpcf7-form-control wpcf7-checkbox wpcf7-validates-as-required\"><span class=\"wpcf7-list-item first\"><input type=\"checkbox\" name=\"service_choices_solutions[]\" value=\"Life &amp; Health Actuarial\" \/><span class=\"wpcf7-list-item-label\">Life &amp; Health Actuarial<\/span><\/span><span class=\"wpcf7-list-item last\"><input type=\"checkbox\" name=\"service_choices_solutions[]\" value=\"Other\" \/><span class=\"wpcf7-list-item-label\">Other<\/span><\/span><\/span><\/span>\n  \n<\/div>\n<span id=\"wpcf7-69efc2515bd4e-wrapper\" class=\"wpcf7-form-control-wrap website-329-wrap\" ><input type=\"hidden\" name=\"website-329-time-start\" value=\"1777320529\"><input type=\"hidden\" name=\"website-329-time-check\" value=\"4\"><label for=\"wpcf7-69efc2515bd4e-field\" class=\"hp-message\">Please leave this field empty.<\/label><input id=\"wpcf7-69efc2515bd4e-field\"  placeholder=\"Add comment\"  class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"website-329\" value=\"\" size=\"40\" tabindex=\"-1\" autocomplete=\"off\" \/><\/span>\n<div class=\"button-left\"><button type=\"submit\" class=\"salmon-button has-spinner\" id=\"submitbutton\">Submit<\/button><\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n                <\/div>\n                <div class=\"modal-footer\">\n                    <button type=\"button\" class=\"seablue-button button\" data-dismiss=\"modal\">Close<\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div><!-- end of Hero Form modal -->\n\n        <section class=\"solutions-module-one\">\n        \n                <div class=\"module-one-sub-heading\">Empowering Participants in the Self-Insured Major Medical Market <\/div>\n        <div class=\"text-columns-section\">\n                                    \n                    <div class=\"module-one-text-left\"><p><span class=\"TextRun SCXW76185722 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW76185722 BCX0\">Our s<\/span><span class=\"NormalTextRun SCXW76185722 BCX0\">elf-insured major medical insurance areas include premium equivalent rate development, incurred <\/span><span class=\"NormalTextRun SCXW76185722 BCX0\">but<\/span><span class=\"NormalTextRun SCXW76185722 BCX0\"> not paid studies, reference-based pricing analysis, multiple employer welfare arrangements<\/span><span class=\"NormalTextRun SCXW76185722 BCX0\">, <\/span><span class=\"NormalTextRun SCXW76185722 BCX0\">medical stop loss optimization, and broker and third-party administrator support.<\/span><\/span><span class=\"EOP SCXW76185722 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div>\n\n                                            <\/div>\n\n    <\/section>\n    \n    \n\n        <section class=\"module-three-accordion-section\">\n        \n        <div class=\"mod-three-container\">\n\n            <div class=\"mod-three-left\" style=\"background-image: url('  https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2024\/08\/shutterstock_1272462163-1-scaled-1.jpg') \">\n                <!-- Background image container -->\n            <\/div>\n\n\n            <div class=\"mod-three-right\">\n                                    <h3>Our Services<\/h3>\n                \n                <div class=\"accordions\">\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Premium Equivalent Rate Development <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span class=\"TextRun SCXW184779026 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW184779026 BCX0\">D<\/span><span class=\"NormalTextRun SCXW184779026 BCX0\">avies has extensive experience developing premium equivalent rates for employers who self-insure their group major medical plan. This work can incorporate changes in plan designs, provider network changes, and pharmacy benefit managers. We also can help employers <\/span><span class=\"NormalTextRun SCXW184779026 BCX0\">optimize<\/span><span class=\"NormalTextRun SCXW184779026 BCX0\"> the <\/span><span class=\"NormalTextRun SCXW184779026 BCX0\">selection<\/span><span class=\"NormalTextRun SCXW184779026 BCX0\"> of an individual stop-loss attachment point.<\/span><\/span><span class=\"EOP SCXW184779026 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Incurred But Not Paid (IBNR) Studies <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span class=\"TextRun SCXW186698502 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW186698502 BCX0\">We specialize in IBNR studies for self-insured major medical plans, offering <\/span><span class=\"NormalTextRun SCXW186698502 BCX0\">accurate<\/span><span class=\"NormalTextRun SCXW186698502 BCX0\"> estimation, financial forecasting, reserving optimization, trend analysis, risk management, regulatory compliance, and claims management insights. By partnering with us, self-insured <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW186698502 BCX0\">employers<\/span><span class=\"NormalTextRun SCXW186698502 BCX0\"> can make informed decisions that ensure the long-term financial sustainability of their primary medical plans.<\/span><\/span><span class=\"EOP SCXW186698502 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Reference-Based Pricing Analysis <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span data-contrast=\"auto\">Davies has deep experience helping self-insured employers understand the financial impact of utilizing a reference-based pricing (RBP) reimbursement approach for their self-insured group major medical plan. The savings opportunities are large, but many nuances must be understood when considering an RBP approach.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Our consultants can quantify the potential savings opportunity from using an RBP reimbursement approach and consult with employers to help them fully understand the range of issues related to an RBP approach.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>MEWA Actuarial Support <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span data-contrast=\"auto\">Multiple Employer Welfare Arrangement (MEWA) actuarial support is crucial for these group healthcare plans&#8217; financial stability and regulatory compliance. MEWAs allow employers, often in the same industry or region, to pool their resources to provide employee benefits.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Our MEWA actuarial support includes financial analysis and reporting, contribution rate development, reserve adequacy analysis, stop-loss coverage evaluation, regulatory compliance, underwriting and risk assessment, and strategic consulting.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Medical Stop Loss Optimization <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span class=\"TextRun SCXW243626677 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\" data-ccp-parastyle-defn=\"{&quot;ObjectId&quot;:&quot;b666d26e-bd7f-4f26-9f61-f6593ea741c6|119&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Times New Roman&quot;,469777842,&quot;Times New Roman&quot;,469777843,&quot;Times New Roman&quot;,469777844,&quot;Times New Roman&quot;,201341986,&quot;1&quot;,469769226,&quot;Times New Roman&quot;,268442635,&quot;24&quot;,469775450,&quot;paragraph&quot;,201340122,&quot;2&quot;,134233614,&quot;true&quot;,469778129,&quot;paragraph&quot;,335572020,&quot;1&quot;,335559740,&quot;240&quot;,201341983,&quot;0&quot;,134233118,&quot;true&quot;,134233117,&quot;true&quot;,469778324,&quot;Normal&quot;]}\">Our<\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\"> consultants use the Monte Carlo simulation approach for medical stop-loss optimization. We have developed proprietary tools to <\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\">assist<\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\"> employers who self-insure their group major medical plan to <\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\">optimize<\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\"> the <\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\">selection<\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\"> of a specific stop-loss attachment point<\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\">.\u00a0 <\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\">We also can analyze potential aggregate stop loss options that are available<\/span><span class=\"NormalTextRun SCXW243626677 BCX0\" data-ccp-parastyle=\"paragraph\">.\u00a0\u00a0<\/span><\/span><span class=\"EOP SCXW243626677 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:0}\">\u00a0<\/span><\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Broker &#038; TPA Actuarial Support <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span class=\"TextRun SCXW7249580 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW7249580 BCX0\" data-ccp-parastyle=\"paragraph\" data-ccp-parastyle-defn=\"{&quot;ObjectId&quot;:&quot;b666d26e-bd7f-4f26-9f61-f6593ea741c6|119&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Times New Roman&quot;,469777842,&quot;Times New Roman&quot;,469777843,&quot;Times New Roman&quot;,469777844,&quot;Times New Roman&quot;,201341986,&quot;1&quot;,469769226,&quot;Times New Roman&quot;,268442635,&quot;24&quot;,469775450,&quot;paragraph&quot;,201340122,&quot;2&quot;,134233614,&quot;true&quot;,469778129,&quot;paragraph&quot;,335572020,&quot;1&quot;,335559740,&quot;240&quot;,201341983,&quot;0&quot;,134233118,&quot;true&quot;,134233117,&quot;true&quot;,469778324,&quot;Normal&quot;]}\">We have <\/span><span class=\"NormalTextRun SCXW7249580 BCX0\" data-ccp-parastyle=\"paragraph\">significant experience<\/span><span class=\"NormalTextRun SCXW7249580 BCX0\" data-ccp-parastyle=\"paragraph\"> providing actuarial support to insurance brokers and third-party administrators (TPAs) who serve employers who self-insure their group major medical plan<\/span><span class=\"NormalTextRun SCXW7249580 BCX0\" data-ccp-parastyle=\"paragraph\">.\u00a0 <\/span><span class=\"NormalTextRun SCXW7249580 BCX0\" data-ccp-parastyle=\"paragraph\">We have experience working with employer groups of all sizes.\u00a0<\/span><\/span><span class=\"EOP SCXW7249580 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:0}\">\u00a0<\/span><\/p>\n                                                            <\/div>\n                        <\/div>\n\n                    \n                <\/div>\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n    \n        <section class=\"module-four-our-services\">\n            <div class=\"mod-four-container\">\n                    <h3>Our Services<\/h3>\n        \n\n                                <div class=\"service-boxes\">\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-product-lines\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Product Lines<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-valuation-financial-reporting-actuarial-modeling\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Valuation, Financial Reporting &#038; Appointed  Actuary<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-experience-analysis-rate-increases\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Experience Analysis &#038; Rate Increases<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-pricing-product-development-compliance\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Pricing, Product Development &#038; Compliance  <\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-other-health\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Other Health<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-other-services\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Other Services<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-commissions-valuations\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Commissions &#038; Valuations <\/h4>\n                                                            <\/div>\n                        <\/a>\n\n                            <\/div>\n            \n    <\/div>\n    <\/section>\n    \n\n        <section class=\"module-five-meet-the-team\">\n\n                    <div class=\"team-bg\">\n                <section class=\"team-section-acquisitions\">\n                    <div class=\"team-container\">\n                                                <h3 class=\"meet-team-title\">Key Contacts<\/h3>\n                        <div class=\"teamslider-solutions\">\n                                                            <div>\n                                    <div class=\"team-slide\">\n                                        <span class=\"team-photo\" style=\"background-image: url('https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2022\/08\/Michael-Berman.png'); \"><\/span>\n\n                                        <div class=\"team-icons\">\n\n                                            \n                                                                                            <a class=\"email-address\" href=\"mailto:Michael.Berman@us.davies-group.com \">\n                                                    <img decoding=\"async\" src=\"\/northamerica\/wp-content\/themes\/daviesgroup-na\/assets\/images\/email-icon.png\" alt=\"email icon\">\n                                                <\/a>\n                                            \n                                        <\/div>\n\n                                        <h2 class=\"team-name\">Michael Berman<\/h2>\n                                        <h2 class=\"job-title\">Director of Actuarial Solutions<\/h2>\n\n                                    <\/div>\n                                <\/div>\n                                                    <\/div>\n\n                    <\/div>\n                <\/section><!-- end team section -->\n            <\/div> <!-- end team-bg -->\n        \n    <\/section>\n    \n\n    <!--latest insights - blog\/case study section -->\n        <section class=\"module-six-latest-insights\">\n\n                    <h3>Latest Insights<\/h3>\n        \n    \n    <ul class=\"posts-container\">\n                    \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), url(https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2022\/06\/Our-Staffing-Model-1.png);\" >\n                    <a class=\"display-block\" href=\"https:\/\/davies-group.com\/northamerica\/case-study\/our-staffing-model-brings-dedicated-caseload-team-to-tennessee-and-kentucky-generating-over-1000-claims\/\">\n                        <div class=\"post-permalink\">\n\n                                                            CASE STUDY <br>\n                            \n                        <\/div>\n                        <div class=\"post-title-box\">\n                            <h3 class=\"post-title\">\n                                Our Staffing Model Brings Dedicated Caseload Team to Tennessee and Kentucky Generating Over 1,000 claims                            <\/h3>\n                            <p>Learn more ><\/p>\n                        <\/div>\n                    <\/a>\n                <\/li>\n                    \n                    \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), 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