MCU Transparency Guaranty
Medical Captive Underwriters LLC (MCU) guarantees Transparency regarding all sources of revenue earned. Our sole revenue is derived from the insurance carriers for program management effective January 1, 2015, when the first employers enrolled in ClearCaptive.
Under the principle of the rising tide floats all boats, MCU regularly recommends vendors for risk mitigation and cost reduction. The solutions are provided to the agent for our ultimate clients, employers enrolled in our stop-loss group captive program, ClearCaptive. Whether to engage with a risk management vendor, or not, is at the discretion of the member company.
MCU accepts no revenue for recommending vendors we know provide real cost savings. Since 2015, our efforts combined for real, measurable savings in the millions of dollars. Some of the areas we influenced include specialty pharmacy, organ transplant, and scheduled surgery.
MCU insurance programs annually lower enrolled employers medical spend and medical inflation. Adding fee revenue for MCU to any vendor could increase the cost of the solution, possibly outweighing the perceived benefits. Accepting vendor revenue runs counter to our pledge of providing the lowest overall cost to enrolled employers.
MCU’s commitment to Transparency began in the planning completed prior to our launch in 2015. Transparency is our standard approach. We will maintain our commitment to Transparency remains in force until I am not the majority owner, and will provide this pledge under penalty of perjury to you and your clients in writing. MCU will live solely on a single revenue generated for stop-loss placement, marketing and program management.
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Our Commitment to Transparency and Savings
At MCU, we prioritize transparency in every aspect of our operations. Our pledge ensures that clients receive clear insights into their savings and premium returns. Trust us to navigate your medical captive journey with integrity.
New Member Companies Transitioning from Fully Insured
Save money versus the previous year.
Employer Increase
Average increase from 2019-2023 when considering the return of profits.
Premium Return
Maximize your returns with us.
Meet Your Medical Stop Loss Captains
Set sail with the transparency and education captains of the industry.
Don McCully
President & CEO
Don McCully is experienced in structuring and sale of financial vehicles primarily through the use of captives. Originally trained as a credit analyst. Analyzing and underwriting cash flow, financial
statements and risk related to the balance sheet and income statement of employers seeking credit.
Mr. McCully is a member of the Self-Insurance Institute of America Alternative (SIIA) and the Health Care Administrators Association (HCAA). He served on the SIIA Captive/Risk Transfer committee for 10 years, and Downtown Chicago Association of Health Underwriters(CHAHU) for 4 years. Don volunteers his personal time and energy at The Mankind Project.
COO
Andrew Kuykendall has worked in the benefits industry for more than 30 years. He is a second-generation insurance professional, and has led projects involving almost every possible funding mechanism and administrative option.
He specializes in self-insurance plans, multi-employer plans, and medical stop-loss captive programs. His role at Medical Captive Underwriters is to help guide and manage the operations of the medical stop-loss team including renewals, processes and procedures as well as risk management programs.
Prior to his career he studied music performance at both the Cleveland Institute of Music and University of Denver, Lamont School of Music. It was in Denver that he met his wife of 29 years. They have one adult son and a brown dog.
Account Manager
Beckiee Cobb is a seasoned Account Manager with over a decade of experience in the healthcare industry. Since 2013, she has worked across carrier, self-funded, and clinic environments, giving her a broad and nuanced understanding of healthcare operations and client support.
Her ability to navigate complex systems while maintaining a client-first mindset has made her a trusted partner in the organizations she supports. Beckiee brings a thoughtful, strategic approach to account management—always focused on building strong relationships and delivering value.
Outside of work, Beckiee is a proud wife of 13 years, a pet mom to a spirited 1.5-year-old puppy and a wise 17-year-old cat, and the owner of a small side crafting business where she channels her creativity. She enjoys balancing her professional and personal passions and believes in making space for both structure and joy in her life.
Essential Questions for Your Current Captive Manager
Understanding your captive's operations is crucial. Ask your current captive manager these key questions to ensure transparency and accountability.