The Sentinel Medical Solution gives employers a more intelligent path to healthcare by integrating best-in-class service providers into one cohesive, performance-aligned model. At its core is True Captive, a revolutionary captive insurance structure where employers are not pooled with others, don’t face capital calls, and benefit from shared investment by the captive itself. Employers fund their own claims in real time, retaining unused dollars and receiving dividends on unused stop-loss premiums.

The independent TPA, administers the plan with full transparency, real-time reporting, and total plan customization—ensuring employers understand what’s driving their costs and how to manage them. Meanwhile the pharmacy benefit manager eliminates hidden markups through a pass-through pricing model and adds clinical support to drive prescription savings and better outcomes.

Together, these components form a unified, waste-free solution where incentives are aligned, data is shared, and employers stay in control.

True Captive is a single-parent, carrier-owned model - meaning your group never shares risk with others. No capital calls, no cross-group liability, just a direct partnership built to align with your success. They also share in the risk by contributing the majority of the up-front contribution.

True Captive’s True Funded™ model is ideal for employers with 75 to 1000 employees, though it can scale effectively beyond that point. This range captures groups large enough to benefit from self-funding but often overlooked by traditional captives or burdened by level-funded plan limitations.

Each employer maintains their own claims fund and specific stop-loss coverage—typically starting at a $50,000 specific deductible. On the aggregate side, True Captive includes a 125% aggregate stop-loss corridor, meaning employers are protected if total claims exceed 125% of expected levels. Unlike pooled captives, this protection is group-specific, not shared across participants, ensuring your plan’s performance is judged on its own merits—not someone else’s.

This model is especially powerful for employers frustrated by rising fully insured premiums, limited data access, and lack of control in traditional plan designs.

With The Sentinel Medical Solution, employers have the power to design a health plan that actually fits their workforce—not one prepackaged by an insurer. Through True Captive’s flexible self-funded model, you can customize everything from deductibles and copays to networks, formulary strategy, and wellness incentives.

Unlike fully insured plans, where you’re locked into rigid templates with little insight or control, or level-funded plans, where access to claims data is limited and unused funds often revert to the carrier, Sentinel puts you in charge. You see your claims in real time, you decide how your benefits work, and you keep what you don’t spend.

It’s the difference between renting your plan and owning your plan.

Many PBM's are incentivized via rebates to give preference to the more expensive drugs. PCA-Rx operates on a transparent pass-through model. There are no hidden rebates, no spread pricing—just clean, upfront pricing passed directly to you.

Independence and transparency. Boon Chapman isn’t owned by a carrier, so they’re free to build fully customized, data-rich self-funded plans that actually serve your goals. Also, Boon Chapman gives you the insight you need to act—not just react—with clear reporting and monthly check-ins.

True Captive absorbs the hit. If additional collateral is needed, they provide it—your exposure stays capped and predictable.

One of the biggest barriers to joining a traditional captive is the large upfront capital requirement. True Captive eliminates that obstacle by covering 90–95% of the collateral needed to enter the captive. Employers contribute a small, one-time amount—often as low as $5,000 to $10,000, depending on group size—while True Captive invests the rest.

This shared-risk model isn’t just generous; it’s intentional. True Captive puts its own capital on the line, meaning they only succeed when you do—no capital calls, no pooled risk, just a true financial partnership.

Next Steps: 

If you are an employer, call or email us to arrange an initial interview. We will schedule an initial virtual discovery session to determine what form of coverage is in your best interest.

If you are a broker, contact us at info@primemeddistribution.com and schedule a time to speak with our Director of Distribution.