Lock Your Health Plan Costs for Three Years — With More Predictability and Less Renewal Chaos
Eliminate the annual renewal surprise. Geaux360 is a 3-year financially engineered health plan solution that locks in your healthcare costs — no increases in admin, claims, or reinsurance for 36 months.
What Is Geaux360?
Geaux360 is a 3-year financially engineered health plan solution built for forward-thinking employers who are done accepting annual renewal increases. It replaces unpredictable claims costs with a fixed monthly funding structure for 36 months — backed by institutional capital, trust-based administration, and a fully integrated technology and back-office services platform.
Unlike traditional self-funded arrangements where stop-loss costs and admin fees reset annually, Geaux360 locks every component of your health plan cost for three full years. What you pay in month one is what you pay in month thirty-six. Zero surprises.
Geaux360 functions as an inverted captive model — pooling multiple employers into a single financial series while maintaining separate claims and plan performance for each employer. This delivers full captive transparency and control without the administrative burden of forming a traditional captive.
What Geaux360 Delivers
Locked-In Rates for 3 Years
No increases in admin, claims, or reinsurance costs for the full 36-month term. Your healthcare budget is fixed from day one.
Zero Surprises
Predictable, flat healthcare spending across the full contract term. No mid-year adjustments, no renewal negotiations, no surprises.
Renewable Term
Option to extend for an additional 3 years at the end of the initial term — locking in long-term cost stability for employers committed to a multi-year financial strategy.
Surplus Options
Unused funds at the end of the term can be applied to renewal pricing or received as a payout — putting surplus back to work for your organization.
How Geaux360 Works
A simple 5-step underwriting process gets your organization into the program.
Eligibility Review
Your group profile, size, and claims history are evaluated for program fit. Geaux360 is designed for standalone employers with 250+ enrolled employees, hospitals and healthcare systems, school districts, municipal employers, banks and financial institutions, trade or professional association members, and regional or franchised employer groups able to pool 1,000 or more covered lives.
Series-Based Underwriting
Risk is underwritten within a series-based financial structure that pools multiple employers while maintaining separate claims and plan performance reporting for each participating employer.
Rate Calculation & Remittance Modeling
Your fixed 36-month rate is calculated based on your group's actuarial profile. Remittance modeling projects your total cost across the full contract term — giving your CFO a precise multi-year budget figure before you commit.
Electronic Offer & Contracting
Your program offer is delivered electronically with full term documentation. Review, negotiate, and execute the contract digitally.
Program Kick-Off & Ongoing Reporting
Your plan launches with full integration into your benefits administration platform. Real-time reporting across funding, claims, performance, and reserves is available throughout the term.
The Inverted Captive Model
Geaux360 operates as an inverted captive — pooling multiple employers into a single financial series while maintaining separate claims and plan performance for each employer. Risk is underwritten collectively to enhance purchasing power and program stability.
Risk Aggregation
Multiple employers pool into a single financial series. Collective underwriting enhances purchasing power and stabilizes program pricing in a way no single employer can achieve independently.
Separate Performance Tracking
Each employer maintains separate claims and plan performance reporting — full visibility into your own program economics while benefiting from collective risk aggregation.
No Captive Formation Burden
Geaux360 delivers full captive transparency and control without requiring your organization to form and administer a traditional captive structure. The program handles the complexity.
Powered by Next Generation Strategies
Geaux360 is more than a funding model. It's a fully integrated health plan platform.
Trust-Based Administration
Contributions flow through a fiduciary-managed trust — not a traditional insurer.
Integrated Transparency
Real-time reporting across funding, claims, performance, and reserves.
Flexible Network & Plan Design
Retain PPO networks while customizing or standardizing benefit options.
All-in-One Platform
Enrollment, claims, reporting, and member engagement tools in one system.
Built-In Financial Controls
Trust structure enforces disciplined funding and cost containment.
Cost Containment & Medical Management
Layered strategies to reduce spend while improving outcomes.
Experienced Nurse Navigators
Personalized, high-touch support to guide members through the healthcare system.
Pass-Through Transparent PBMs
100% of manufacturer rebates passed back — no hidden spreads.
Direct Contracts with Providers
Access surgical centers and specialists at pre-negotiated bundled rates.
Benefits Administration Integration
Seamlessly connect with platforms like Employee Navigator.
Who Geaux360 Is Built For
Geaux360 is designed for organizations that need institutional-level cost control, multi-year budget certainty, and a health plan structure that matches the sophistication of their financial leadership.
Hospitals & Healthcare Systems
Large healthcare organizations with complex benefit needs and the scale to maximize program economics.
School Districts & Municipal Employers
Public sector employers who need budget certainty across multi-year planning cycles.
Banks & Financial Institutions
Financial institutions whose leadership understands and demands institutional-level program transparency and control.
Trade & Professional Associations
Association members who can collectively pool 1,000 or more covered lives to access the full program economics.
Regional & Franchised Employer Groups
Franchise networks and regional employer groups seeking consistent, cost-stable benefits across multiple locations.
Standalone Employers (250+ Lives)
Large standalone employers with 250 or more enrolled employees seeking a fixed multi-year alternative to annual renewal uncertainty.
Backed by National Capital & Institutional Expertise
Geaux360 is backed by a best-in-class team of nationally recognized financial, legal, and administrative partners — bringing institutional-grade infrastructure to employer-sponsored health benefits.
Trust & Custodial Services
Institutional Capital Markets Support
Private Placement Structuring
TPA & Claims Administration
Why Independent Advice Changes Everything
What a Traditional Insurance Agent Does
- Represents one carrier or a limited set of preferred carriers
- Compensation is tied to premium volume (higher premiums = higher pay)
- Renews coverage with minimal market testing
- Presents a narrow set of options as the full market
- Lacks access to advanced structures (captives, association health plans, alternative funding models)
What Demand Benefits Does
- Analyzes every available carrier and funding strategy
- Compensation is structured to reward savings, not premium volume
- Runs a full market analysis at every renewal
- Presents 70+ options with transparent side-by-side comparison
- Accesses captive, AHP, and financial engineering strategies most traditional agents don't offer
Serving Employers Across Louisiana
We provide full-market benefits access to groups in every major Louisiana market. See all markets →
Trusted by Employers Across Louisiana
"We were blindsided by a 24% renewal increase. Demand Benefits ran a full market analysis and found a level-funded option that cut our costs by 18% — with better coverage than what we had."
HR Director — Restaurant Group
New Orleans, LA
"Our old broker showed us two options every year. Demand Benefits showed us over 70. For the first time, we actually understood what we were buying and why."
CFO — Construction Firm
Baton Rouge, LA
"They identified $140,000 in wasted premium we didn't even know about. The switch to a self-funded plan was seamless, and our employees kept all their doctors."
Practice Administrator — Healthcare Group
Metairie, LA
Common Questions About Geaux360
Ready to Lock In Your Healthcare Costs for 3 Years?
Geaux360 is the most sophisticated health plan structure available to Louisiana employers. Schedule a strategy session today — we'll evaluate your eligibility, model your 36-month rate, and show you exactly what budget certainty looks like for your organization.