ABOUT
A Complete Solution
We are committed to empowering our clients with innovative and effective solutions so they can realize the full benefits of alternatives in risk-financing and insurance.
Complete Captive creates and manages customized captive insurance companies for employers. With more than 30 years of experience in insurance and corporate laws and regulations, our team will determine if a captive is the right solution for you – and if it is – we will structure a captive tailored to your unique needs.
What We Do
We partner with healthcare consultants and their clients to provide comprehensive solutions that allow extensive flexibility over health plans and offer opportunities to control costs and enjoy the benefits of being self-funded with less risk. Complete Captive has expertise in establishing medical stop loss captive insurance companies for the benefit of employers (commonly referred to as Employee Benefit Captives).The employer establishes a self-funded health plan to provide healthcare benefits coverage to its employees, and the captive provides medical stop loss insurance to the employer. This layer of coverage provides protection against catastrophic or unpredictable losses.
We partner with healthcare consultants and their clients to provide comprehensive solutions that allow extensive flexibility over health plans and offer opportunities to control costs and enjoy the benefits of being self-funded with less risk. Complete Captive has expertise in establishing medical stop loss captive insurance companies for the benefit of employers (commonly referred to as Employee Benefit Captives).The employer establishes a self-funded health plan to provide healthcare benefits coverage to its employees, and the captive provides medical stop loss insurance to the employer. This layer of coverage provides protection against catastrophic or unpredictable losses.
Who We Are
We have the expertise and experience to help employers across a variety of industries to develop long-term strategies that will reduce risk and unlock opportunities. Our culture inspires innovative thinking and collaborative partnerships, allowing us to achieve exceptional results.

Jeffrey J. Morella, Esquire
President
jjmorella@completecaptive.com

Phillip J. Holowka
Chief Operating Officer
pjholowka@completecaptive.com

Gabrielle N. Morella, Esquire
Chief Legal & Compliance Officer
gnmorella@completecaptive.com

Jamie L. Holowka, B.S., Pharm.D.
Claims & Clinical Strategies, Director
jlholowka@completecaptive.com
412-369-7188

Michael M. Wilson, J.D., CEBS
Captive Strategies, Director
mmwilson@completecaptive.com
412-369-9696

Kristen M. Joyce, M.S.,
Actuarial Science
Underwriting Director
kmjoyce@completecaptive.com
412-396-9696

Colleen I. Berarducci
Marketing Assistant
412-369-9696

Stephen E. Bezak
HR Administrator
412-369-9696

Ashley Brown
Staff Accountant
abrown@completecaptive.com
412-847-1211

Kaylee P. Hills
Administrative Assistant
412-369-9696

Anna E. Webb
Claims Analyst
aewebb@completecaptive.com
412-369-9696