Stop Overpaying.
Start Owning Your Plan.
Your carrier charges a 25% markup to own a plan you’ll never control. CVRD changes that — giving you full visibility, custom design, and capped risk. Stop renting. Start owning.
We get it
You shouldn’t have to choose between taking care of your people and protecting the budget.
Most plans force that trade-off. Before we talk about how CVRD works, we want you to know we understand the bind you're in.
Costs climb every year
Renewals arrive with another increase, and you're asked to absorb it without cutting the benefits your people count on.
Admin buries your team
Open enrollment, member questions, vendor wrangling — the work lands on a small team that's already stretched thin.
Getting it wrong is scary
A rough rollout disrupts employees and puts you on the spot in front of leadership. The stakes feel personal.
Our job is to take this off your plate — and give your people more, not less.
For your people
Start with the experience your employees deserve
Benefits are how your people know they’re cared for. CVRD plans deliver richer coverage and warmer support — the kind of care that helps you attract and keep great talent.
Care that feels personal
A dedicated team and member advocates who actually help — not a phone tree.
24/7 live support
Every call answered in under 30 seconds. Real people, day or night.
MyNurse & Teladoc
Round-the-clock nurses and virtual visits, so care is never far away.
Better, fairer pharmacy
Lower-cost medications and transparent pricing — no middleman markups.
For your team
We carry the heavy part. Your team gets time back.
A dedicated implementation manager and client team run the rollout end to end. You stay in control — without drowning in the work.
CVRD handles
- Open enrollment, member selection & ID cards
- Day-to-day member questions and claims support
- Pharmacy, EDI, banking and vendor setup
- Eligibility loads — no spreadsheets for your team
Your team’s total lift
- One 1-hour kick-off call
- One census file from your HRIS
- Announce the open-enrollment dates
“That’s it. We run the rest.”
For the business
The numbers your CFO needs — delivered calmly.
No math lecture. Just the reassurance that the savings are real and the downside is capped, so a responsible leader can say yes with confidence.
per year for a typical mid-size employer — surplus that stays in your business, not a carrier’s.
Layered stop-loss means even your worst claims year still costs less than staying fully insured.
See every claim and every dollar in real time — no black box, no surprises at renewal.
How it works
We handle the sophisticated part, so you don't have to.
Self-funding sounds technical. In plain terms, it just means you stop overpaying — and we engineer the safety so it's never risky.
You pay for real care, not markup
Instead of a fixed premium with a 25% carrier profit baked in, you fund the actual claims your team uses — and keep what you don't spend.
Stop-loss protects you, always
Reinsurance caps your exposure on any one person and on the plan as a whole. Your worst case is capped on purpose — so a bad year can't break you.
Pharmacy rebates come back to you
Our pass-through pharmacy returns drug rebates straight to your plan, paid quarterly — money that normally disappears into a middleman.
That’s the whole idea: keep the savings, cap the risk, and let our team carry the complexity. You get a plan that’s better for your people and safer for your business.
The honest math
You’re already paying for a 25% margin you never see.
Here's the part carriers don't show you. With a fully-insured plan, a quarter of every premium dollar is the carrier's profit — priced for a worst case that rarely happens. Self-funding hands that back to you.
Illustrative split of a premium dollar. With CVRD you fund real claims and keep the surplus — the carrier’s 25% becomes yours.
That 25% is real money
back to you on a typical $6M plan — money you can put toward richer benefits, or straight to the bottom line.
And your pharmacy rebates come home too. The top 3 PBMs control 80% of the drug market and normally keep the manufacturer rebates. Our pass-through returns them to your plan — paid back quarterly.
Safe by design
A bad year can’t break you. We engineer that.
Self-funding only works if the downside is protected. Layered stop-loss is the expertise that makes it safe — and it's the part we handle so you never have to worry about it.
The reinsurer covers the rest
Above the cap, every dollar is the stop-loss carrier's — not yours.
Aggregate stop-loss caps the whole plan
If total claims pass ~$5.03M (125% of expected), the next layer takes over.
Specific stop-loss protects each person
Any single member's claims above $50K are covered — so one serious illness can't sink you.
You fund real claims — and keep what you don’t spend
Pay for the care your people actually use, not a carrier’s worst-case guess.
Even in your worst projected year
still saved versus staying fully insured. Your worst case is capped on purpose.
That’s not luck — it’s structure. Knowing exactly how to layer the protection is the hard-won part, and it’s ours to carry. You get the peace of mind.
See the proof
See what you’d save — and how your people benefit
A quick estimate for your group. We lead with your worst case too, because peace of mind matters as much as the savings.
Tell us about your group
Estimated savings, back to your plan
That’s $337 per employee, every month — money you can reinvest in your people.
Peace of mind: even in your worst claims year, stop-loss caps the cost — you’d still save about $814K versus staying fully insured.
A note on how we estimate this
Figures use industry-average assumptions for a self-funded plan (claims, fixed costs, stop-loss, and pharmacy rebates) and are illustrative. Your advisor will model your real census and claims — no surprises, all of it transparent.
Curious what your current plan is really costing you?
Enter your company name and we’ll pull your plan’s own public filing — what your carrier keeps, what your broker earns, and what you could put back toward your people. No login, nothing to fill out first.
See your plan from its public filingFrom a real 13,854-life employer’s public Form 5500.
A real result
“Even in our worst projected year we’d still spend less than before — and in a normal year the savings stay with us, for our people.”
VP, People Operations · 449-employee manufacturer (anonymized client)
The partner behind it
The people who understand the machine — on your side
You’re not buying software. You’re gaining a team with deep benefits, underwriting, and ERISA expertise that has done this for hundreds of employers — and treats your plan like it’s their own.
Jenn Knoop
Founder & CEO
20+ years in employee benefits and a former brokerage owner who has built and sold multiple insurance and healthcare companies. She started CVRD to give employers a partner truly on their side.
John Engers, Esq.
Legal & compliance
A practicing ERISA, ACA and COBRA attorney and founder of Engers Benefit Group — he makes sure every plan is not just affordable, but legally sound and fully defensible.
Ian Rice
Client partner
Two decades as a benefits consultant guiding 200+ employer accounts, with a 97% retention record built on trust, stewardship, and long-term care.
How we engineer your plan
The sophisticated part — handled, so you don’t have to.
- 01We learn your peopleYour real census and claims — not industry averages.
- 02We structure the protectionStop-loss layered across 21+ competing reinsurers.
- 03We prove the worst caseWe model the downside and confirm the cap holds — before you sign.
- 04We bring your money homePass-through pharmacy and ongoing optimization, year over year.
Peace of mind
The reassurance a careful leader needs
The compliance and infrastructure are handled and stated plainly — so the fiduciary questions are settled before they're even asked.
ERISA-aligned
Plans designed to be legally sound.
HIPAA-compliant
Your members' data, carefully protected.
SOC 2 practices
Enterprise-grade security and controls.
21+ reinsurers
We sit inside the real insurance market.
Let’s build benefits your people love — and your CFO approves.
A friendly 30-minute call with a benefits advisor. We’ll model your real plan, answer every question, and show you exactly what your people would gain. No pressure, no obligation.