Diagnose
Review the plan, claims, participation and renewal history to find what is actually driving cost. Cost increases have causes: a few large claims, specialty drugs, changes in who enrolls, or plan design.
Find the real cost drivers.
Cost increases have causes: a few large claims, specialty drugs, changes in who enrolls, or plan design. Diagnosis separates them so action targets the real problem.
Without it, employers treat symptoms like the premium number.
What Diagnosis Examines.
A diagnosis looks at where cost comes from. We review claims by category, large claims, pharmacy, participation, enrollment mix and how the plan design interacts with employee behavior.
The goal is to find the specific causes of cost, so that actions target them. Without it, responses tend to be broad and blunt.
A diagnosis also shows what is not a problem.
A few more questions.
What data does diagnosis use?
Renewal history, claims where available, enrollment and plan design.
How long does it take?
Usually a few weeks, depending on data availability.
What if we have little data?
Small groups have less claims data, but plan, participation and renewal history still tell a story.
Does diagnosis involve employee information?
Reports are aggregated and de-identified.
What do we get at the end?
A written summary of causes and a list of options.
Related guides.
Employee Benefits Strategy Consulting in Michigan
Funding, contributions, vendors and compliance.
Benchmark
Compare your plan and contributions against comparable employers so you know where you stand.
Model
Test alternatives with your own numbers before recommending a change.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program: cost, plan performance, risk and administration.
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