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


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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.

Dr. Robert Bulgarelli, DO, FACC

Chief Medical Officer

A Fellow of the American College of Cardiology, Dr. Bulgarelli, provides clinical oversight for our operations team as well as strategic population health management counsel for our captive Members. He formerly served as National Medical Director for Highmark Blue Cross Blue Shield, providing analytical and clinical support for population health initiatives with large, self-funded employers across the US.

He completed his Internal Medicine Residency and Cardiology Fellowship at the Lankenau Hospital, a Jefferson Health affiliate in Philadelphia. A member of the first graduate class of the Associate Fellowship in Integrative Medicine in 2002, he practiced more than 20 years with one of the largest independent cardiology groups in southeastern Pennsylvania, and he continues to serve as a hospital-based cardiologist in a Geisinger affiliated hospital in Harrisburg, PA.

Marybeth Ochoa

Account Manager

A highly-skilled account executive with extensive industry experience, Marybeth is a proactive problem solver gifted in client relations. She is exceptionally qualified in issue resolution, communication strategies, and designing deliverables for clients, brokers, and strategic vendors. Her customer-focused interpersonal and teamwork skills include analysis, reporting and relationship building.