Physicians know healthcare. That’s why we collaborated with them first. Leveraging their experiences we created innovative solutions that work.


We’re not business as usual. At VXTRA, we develop and manage health benefits captives for innovative professional practices.

Earn Trust

We are an advocate and trusted source for you alone. Not health insurance companies, hospitals, or pharmaceutical companies.

Take Control

We build health benefits captives that allow you to fund your health benefits more efficiently and manage risk more effectively leveraging the law of large numbers. A safer way to self-fund your health benefits.

Manage Costs

Over the past five years, we have distributed over $2M to our captive members and implemented risk management programs to mitigate the ever-increasing exposure to hospitals’ billing practices and the cost of specialty drugs.




Saved for large medical practices






Underwriting profits distributed to Members



“As one of the first practices in the captive, we have definitely benefited from our decision to participate. Put simply, we’ve had better benefits and saved significant money compared to our previous Blue Cross Blue Shield plan. I continue to encourage other large practices to take the time to understand that there are better options and that you don’t have to be held hostage by the health insurance companies.”

David Ellis, MD
Midlantic Urology
Philadelphia, PA

“Our decision to join a captive has proven to be a good one, and a totally different experience. We learned about problems we never knew we had with traditional health insurers and PBM’s. But more importantly, we’ve discovered we have options we did not know we had and that we could readily implement solutions to address the problems.”

Sanford Gips, MD
The Heart House
Haddon Heights, NJ

“I’ve always believed a captive insurance model made more sense because of the enhanced capacity to spread our financial risk more effectively. In addition, my management team likes the flexibility we have in terms of selecting and managing the various service providers.”

Barbara McAneny, MD
New Mexico Cancer Center
Albuquerque, NM


Thoughts from the Marketplace


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    Larry Hightower

    Founder & CEO

    An acknowledged industry innovator, Larry has spent his career improving clinical and economic outcomes through disruptive medical technologies and high value healthcare services. He founded Vxtra in 2005 to address the financial inequities, opaque practices, and technological challenges associated with the health benefits large, independent medical practices offered their employees. Leveraging his experience and relationships with entrepreneurial physicians nationwide, Larry continues to spearhead the search for financial and technology-based solutions designed to improve the delivery of healthcare benefits for our clients.

    William E. Pritts, II

    Chief Financial Officer

    A results-driven leader, Bill is responsible for the oversight of Vxtra’s financial matters, as well as developing business forecasts to meet the company’s future operational needs. In addition to senior partnership positions with Ernst & Young during his career, Bill has a demonstrated success in corporate acquisition and development for both public and venture-backed private companies. He has served as both a Certified Public Accountant and a Certified Management Accountant.

    Elizabeth Gordon

    Vice President of Operations

    With a background built on understanding physician/patient relationships, Elizabeth is responsible for managing the company’s operations team. In her role, she develops benefit plan design, funding rates, and renewal strategies. In addition she leads a team focused on delivering timely plan performance metrics and analytics. Versed in ACA and HR compliance, she is certified by the the National Association of Health Underwriters as a Self-Funding Professional.

    Carmen Michea

    Client Services Manager

    An award-winning customer service specialist, Carmen is exceptional at developing and customizing service packages based on each client’s unique needs. In her role she assists clients with on general benefit questions, claims resolution, billing questions, and enrollment issues.

    Emily Rathvon

    Senior Healthcare Analyst

    Emily is responsible for building and managing the distribution of our performance reports and supporting our big data analytics deliverables for our clients. Additionally, she  creates and maintains internal and external reports to assist senior management in decision-making, overseeing quality assurance, and data analytics.

    Contessa Rollins

    Client Services Specialist

    With a background in organizational and multitask management, Contessa places a high priority on customer service and client relationships. She is focused on enrollments, billing and handling service issues for all clients.

    Bret Hightower

    Director of Business Development

    A Vxtra team member since 2005, Bret is hands-on with optimizing partner relationships and focusing on captive membership growth. He is adept at educating clients on everything from the specific value of the self-funded captive platform and network considerations to plan design flexibility and levels of reinsurance appropriate for their profile. Past roles at Vxtra include servicing, marketing and renewing large medical practices in multiple states nationwide.

    Mark Meade

    Underwriting & Risk Management

    A seasoned healthcare underwriter and risk manager with experience in large, self-funded health plans, Mark oversees the development of rates and projections in conjunction with Vxtra’s risk partners. With more than 30 years’ experience working with private and public sector plans, insurance carriers, and HMOs, Mark has developed financial and business models for both managed care and large provider organizations.

    Robert Di Loreto, MD

    Chief Medical Informatics Officer & Director

    A board-certified adult and pediatric urologist, Dr. Di Loreto brings extensive experience as an influential physician leader and healthcare innovator. He served as a consultant and urology advisory panel member for the Food and Drug Administration’s Center for Devices and Radiological Health for more than 30 years.

    Dr. Di Loreto was the co-founder and president of the Michigan Institute of Urology, the nation’s first large urology super group. He served as the medical director of Michigan Mobile Lithotripsy, was the co-founder and board member of Michigan Cryogenic Equipment Services and Michigan Mobile Urology Services. In addition, he served as the co-founder and medical director of Great Lakes Lithotripsy, and chief medical information officer for Integra Connect. He was the chief of urology and past president of medical staff at Saint John Hospital and Medical Center in Detroit where he was chairman of the board for the hospital and health system.

    Lynn Evans

    Account Manager

    After a successful career in Human Resources in Property Management, Lynn returns to corporate America as our new Benefits Specialist/Account Manager. In her role she assists the internal client management team by providing account management support in order to meet client expectations. She enhances Vxtra’s relationships by executing proactive, creative and on-going contact initiatives. She is focused on building customer relationships by ensuring the client’s needs are met while providing exceptional customer service and loyalty.