TakeCare

Name

TakeCare

Legal name

TakeCare Insurance Company, Inc.

Website

https://takecareasia.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Offices of Physicians (62111)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324), Services-Offices & Clinics Of Doctors Of Medicine (8011), Services-Home Health Care Services (8082), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

Keywords

• Health insurance plans
• PPO and HSA coverage
• Employer group benefits
• Integrated medical clinic
• Wellness and fitness programs

Headquarters

HQ city

Hagåtña

HQ country

Guam

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premiums: Recurring premium payments from employer groups and individual members for health, dental, and vision coverage. Plans include PPO and HSA options with various cost-sharing structures.
2. Self-Funded Plan Administration: Administrative services for self-insured employer groups, including claims processing, utilization management, and reporting
3. Wellness Program Services: Free wellness and fitness classes, health education, and wellness incentive programs to support member health outcomes

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

TakeCare underwrites and administers health, dental, and vision insurance plans (PPO, HSA-compatible, and Dental tiers) for employer groups and government accounts across Guam, CNMI, and Palau. It also operates the FHP Health Center, a vertically integrated medical clinic providing primary care, urgent care, dental, vision, pharmacy, imaging, home health, cancer care, and occupational health services, along with a Wellness Center running fitness classes and wellness incentive programs.

Product overview

TakeCare offers a comprehensive health insurance and healthcare delivery ecosystem anchored by TakeCare Insurance (providing health, dental, and vision plans) and the FHP Health Center (offering integrated medical services including primary care, urgent care, dental, vision, pharmacy, imaging, home health, cancer care, and occupational health). The portfolio includes wellness programs, a mobile app, member portal, and virtual assistant (TIVA). Insurance plans include PPO and HSA-compatible options for individuals, families, and employer groups with provider networks on Guam, Saipan, Philippines, and beyond.

Differentiator

Problem solved

Functional benefit

Products and services

• TakeCare Insurance Plans (PPO, HSA, Dental, Vision) Customized health, dental, and vision insurance plans (PPO and HSA-compatible options) offered to individuals, families, employer groups, and government accounts in Guam, CNMI, and Palau, with access to local in-network providers and off-island referral networks.
• FHP Health Center Vertically integrated medical clinic delivering primary care, urgent care, dental, vision, pharmacy, imaging, home health, cancer care, and occupational health services to TakeCare members and walk-in patients in Guam.
• Wellness Center Programs Wellness and fitness programs including group fitness classes, health education, health screenings, wellness incentive rewards up to $600, and access to 23 fitness partner gyms on Guam at discounted membership rates.

Quantifiable outcome

• Members can earn up to $600 through wellness incentive programs by completing health screenings and fitness activities
• +1 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• FHP Health CentercoreStrategic or Co-development PartnerThe FHP Health Center is TakeCare's owned healthcare facility providing integrated medical, dental, vision, pharmacy, imaging, home health, and cancer services. This vertical integration allows TakeCare to deliver coordinated healthcare alongside insurance coverage.
• MedImpactcoreTechnology or IntegrationPharmacy benefit management partner providing prescription drug coverage and formulary management for TakeCare members. Includes mail order pharmacy services through Elixir Solutions.
• Fitness Partners (23 gyms on Guam)minorGTM or Marketing PartnerNetwork of 23 fitness facilities on Guam offering discounted memberships to TakeCare members as part of wellness benefits.
• Affinity Partners DirectoryminorGTM or Marketing PartnerVarious local Guam businesses offering special rates and discounts to TakeCare members through the affinity partner program.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Humana: Major U.S. insurer with significant Medicare Advantage, Medicaid, and group health exposure, including military/federal programs. Humana's government-leaning product mix and wellness-oriented member programs parallel TakeCare's federal and employer positioning.
• Elevance Health: Blue Cross Blue Shield licensee operating commercial, Medicare, and Medicaid plans plus Carelon services. Comparable as a diversified regional-to-national carrier that competes for employer group and government business similar to TakeCare's mix.
• Cigna Group: Global health services company offering commercial, government, and supplemental health products plus Evernorth care services. Cigna's TPA-style administration and pharmacy services model overlaps with TakeCare's self-funded administration and MedImpact partnership.
• Centene Corporation: Largest U.S. Medicaid managed-care insurer with deep government program exposure including Marketplace, Medicare, and TRICARE. Centene's focus on government and complex-population health plans aligns with TakeCare's FEHB, GovGuam, and Judiciary contract base.
• Molina Healthcare: Government-focused health plan specializing in Medicaid, Marketplace, and Medicare programs for low-income and complex populations. Molina's government-program concentration and mid-tier scale closely resemble TakeCare's FEHB and GovGuam-led book of business.
• CVS Health (Aetna): Vertically integrated retail-health-insurance-pharmacy platform combining Aetna insurance, CVS retail clinics, and Caremark PBM. The vertical integration, retail clinic footprint, and PBM scale provide a useful comparison to TakeCare's integrated insurance, FHP clinic, and MedImpact PBM partnership.
• UnitedHealth Group: Largest U.S. health insurer with UnitedHealthcare insurance products and Optum care delivery, pharmacy, and analytics. UnitedHealth's payor-provider integration through Optum is the scaled analog to TakeCare's insurance-plus-FHP model.

Regional players

• Hawaii Medical Service Association (HMSA): Blue Cross Blue Shield licensee serving Hawaii with employer group, individual, and government health plans, plus integrated provider partnerships. HMSA is the closest geographic and demographic comparable to TakeCare, serving Pacific island populations with similar product structures.

Others

• TRICARE: U.S. Department of Defense health program for active duty, retirees, and families, including in the Pacific region. TRICARE is a relevant ecosystem participant because TakeCare serves FEHB and military-adjacent populations in Guam and CNMI, making it a complementary rather than competing government health program.

Direct peers

• Kaiser Permanente: Not-for-profit vertically integrated payor-provider that combines an insurance plan with owned hospitals, medical groups, and pharmacies. TakeCare's integrated FHP Health Center and insurance model mirrors Kaiser's closed-loop approach, making it the most structurally comparable peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/takecare_fhp
• YouTubeyoutube.com/channel/UCtFUv0KfHirIbPpGkyuOVgg
• Facebookfacebook.com/TakeCareInsurance
• Instagraminstagram.com/takecareasia

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TakeCare