MediCaptive was founded by three California small business owners in response to consistently increasing employer medical insurance costs. Twelve to fifteen percent annual premium increases are commonplace for small and medium-sized businesses. These increases cause serious financial hardship. Finding a solution was an imperative.

Our management team has more than twenty years of experience in the captive insurance industry and our lead employee benefits consultant is at the forefront of group captive healthcare management. MediCaptive provides a comprehensive solution across professional services industries that decreases the cost of employer-provided healthcare insurance.

Medicaptive is the gold standard provider for group health captive services, including claims control, wellness programs and provider management in the United States. Our program offers benefits that others simply don’t. It integrates seamlessly into an employer’s current coverage, minimizing disruption to employees’ existing provider networks, and allows employees to keep their current doctors.

Officers and Principals

Mazen Wahbeh, PhD, PE

Dr. Mazen Wahbeh’s extensive academic background in engineering is complemented by more than two decades of practical experience. Mazen worked with Pat Lowry to form Alta Vista Solutions, a small engineering firm that has more than ten years of successful work experience on some of the country

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Patrick Lowry, PE
Vice President/Founder

After growing up on California’s Central Coast, Pat attended the U.S. Military Academy at West Point, New York and then spent six years with the Army Corps of Engineers. Pat became a registered Professional Engineer in civil and mechanical engineering. He then co-founded Alta Vista Solutions wi

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Timothy Barnthouse, CPA
Chief Financial Officer/Founder

Tim Barnthouse is a California Certified Public Accountant and the founder of Barnthouse & Associates, LLP, a California-licensed public accounting firm. With more than twenty-five years of experience, Tim specializes in federal and multistate taxation and has formed and managed numerous capt

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Byron Shultz
Vice President Customer Relations

Byron Shultz has 10 years of experience in employee benefits and risk management. He has served in a principal role at a major insurance agency where he consistently aligned key financial business metrics with a company’s risk management and employee benefit programs. Byron believes in the powe

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Jessaca Latteier
Vice President Operations

Jessaca Latteier has more than 17 years of experience in benefit plan design and development, corporate wellness, risk management, healthcare reform, and regulatory compliance. She leads teams to develop cost-effective and strategic benefits options for clients that align with their business goal

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Alta Vista Solutions and Barnthouse Associates, LLP, respectively