NCAPS is an experienced management team that can manage your daily insurance operations, providing any or all combinations of the following services:

• Claims Management
• Risk Management
• Underwriting
• Actuarial Consulting
• Financial
• Reinsurance
• Board and Committee Governance

NCAPS delivers aggressive claims management. Our services include:

• Handling all claims for members of captives / risk retention groups
• Handling claims within a client's self-insured retention
• Conducting independent claims investigation
• Serving as a Mediator
• Claim Audits

NCAPS provides specific claims handling services for hospitals, long term care facilities and physicians. You can expect us to handle your claims professionally and efficiently while minimizing your expenses, allowing you to focus on your primary business - providing quality healthcare. We strive to streamline the claims management process, while maintaining high standards of personal service, quality, and legal protection. We can customize comprehensive claims handling procedures to fit each client's needs and goals. Consider us part of your team.

NCAPS services include a proactive litigation management process that ensures optimal results while also managing litigation expenses to assure the best return for the money. Legal expenses are reviewed in detail to ensure compliance with established guidelines. We maintain a network of defense attorneys whose cooperative efforts have demonstrated their expertise in specific litigations arenas. We pride ourselves on our "no penny for tribute" claims management philosophy, which dictates that we will not roll over on a frivolous claim. This puts the plaintiff bar on notice that we are not an "open checkbook", and if they're coming after one of our clients, be prepared to spend money.

Risk Management Services

NCAPS can provide access to a full range of risk management services to meet your needs, from conducting specific consulting assignments to being your virtual risk management department. Our range of services includes:

• 24 / 7 Risk Management Hotline Service Program
• Review of client's risk management procedures
• Conducting targeted educational sessions for your staff
• Preparing clients for their JCAHO and state surveys
• Producing a monthly newsletter with risk management tips

Underwriting Services

NCAPS delivers quality insurance programs and services. You can expect our experienced insurance professionals to design and implement insurance coverages to fit your healthcare business needs. We have a single focus; our products and services are provided only to the healthcare industry.

NCAPS management team has been delivering innovative insurance services to healthcare insureds for over 28 years. As an owner, you want these types of seasoned professionals on your side. That's important for two reasons:

• They know the challenges and language of your business; and
• They've weathered the storms of previous insurance cycles.

Actuarial Consulting

NCAPS focuses the majority of its actuarial consulting efforts on its captive management clients. Though we will not develop feasibility studies or year-end reserve studies for our clients so as to avoid any perception of a conflict of interest, we provide them an invaluable and cost-saving benefit by analyzing and evaluating their outside actuarial studies, and ensuring that they fully understand the nuances and ramifications of the studies. In-house we will identify and test alternative financial approaches (i.e. conduct "what-if" analyses) to meet our clients' needs, then determine the ideal solution before requesting an outside actuarial report, thus saving our client time and expense.

NCAPS also provides actuarial consulting to those seeking peer analysis of their reserve studies, rate reviews, or other financial projects.

Financial

NCAPS handles all of the day-to-day financial / accounting needs of its captive management clients. This includes management of the daily operating account, producing and managing agents' account currents, handling all reinsurance financial transactions, communicating monthly financials to the Board of Directors, and coordinating services of the independent investment manager and auditor.

Reinsurance

NCAPS maintains strong relationships with both domestic and European reinsurers, having successfully arranged professional and general liability covers with these markets over the years. We will analyze our client's reinsurance needs, identify and evaluate the benefits of various reinsurance structures, then meet with brokers and reinsurers to market and acquire the best terms available. And we absorb all travel expense associated with the placement and maintenance of your reinsurance cover.

Board and Committee Governance

NCAPS believes strongly in maintaining ongoing communications with the Board and Committee members of the captives we manage in order to ensure that there are no "surprises" during Board and Committee meetings. We coordinate agendas, arrange meetings and conference calls, and conduct the meetings efficiently and professionally. We are careful to review with the members any issues or opportunities that are developing, alternative solutions to those issues, and the ramifications of each alternative solution, so as to assist the Board and Committees in reaching the best decisions. We coordinate all legal and tax work with the captive's corporate counsel and tax advisor to ensure that all issues are handled in a thorough but cost-effective manner.