You run an orthopedic, surgical, or specialty group with high revenue per provider and an established, healthy staff. You’re sophisticated enough to want the claims data behind your renewal, and you’ve probably never been shown it. This is the analysis your current broker doesn’t bring: best, expected, and worst, on your own data, with the downside defined before you sign.
You make data-driven calls in the OR and the boardroom. Your health plan is usually the one place that escaped the scrutiny. Here’s what the data tends to show.
High revenue per provider and a healthy, established staff should work in your favor. A fully insured structure hides whether they do, because you never see the claims experience driving your rate.
Your benefits line climbs faster than rent, faster than malpractice, faster than payroll inflation, and the increase arrives with no decomposition. We break down what’s actually driving it.
The renewal email asks a partnership to approve one of its largest expenses with no model behind it. You’d never sign a payer contract on those terms.
Sophisticated groups often stay put simply because no one brought an alternative. The incumbent broker holds your data and has no reason to disrupt the renewal. That’s the gap.
You’ll scrutinize a payer contract line by line before you sign it. But the benefits renewal comes in as a single percentage, and the partners approve one of the group’s biggest expenses on the strength of one email, because no one ever brought an alternative to compare it to.
We bring the alternative. Best, expected, and worst case, built on your own claims data, so a group that lives by the numbers finally gets to make this decision on them.
Send us three documents you already have: your current plan summary, a census, and your last renewal. We run the analysis at no cost and tell you, honestly, whether there’s an opportunity. If there isn’t, we’ll say so.
For the right groups, a level-funded plan replaces the carrier’s black box with three transparent buckets: a claims fund, administration, and stop-loss insurance that caps your risk. You pay a fixed monthly amount, just like today.
When your group stays healthy, surplus comes back to you instead of the carrier. And you finally see exactly what’s driving your cost, every quarter, not once a year.
Your current broker holds the carrier relationship. A Broker of Record letter is simply how you put ClearPlan in that seat. It names us as your benefits broker so we can shop your plan across carriers and work on your behalf. One page, on your letterhead, reversible anytime.
How we’re paid: through the carrier, the same way your current broker is, built into a plan you’d pay for either way. No invoice from us. We only win when you do.
Send three documents you already have: your plan summary, a census, and your last renewal. We’ll run a full analysis at no cost and model whether a funding change would actually save you money. If the numbers aren’t worth your time, we’ll say so. If they are, we’ll set up a short call and move fast.
Start my free analysisThe question is whether they modeled a funding alternative or just passed along a number. We bring the best, expected, and worst-case analysis your renewal email never includes, on your own data, so you can check the math yourself.
Network and benefits stay intact. The funding structure changes behind the scenes. Your providers and staff keep the plan they know, same cards, same network.
It’s three documents you already have. We do the analysis. You only meet us if the numbers are worth your time, and the first conversation is short and to the point.
It’s capped by stop-loss, with the worst case defined before you sign. You see the ceiling on paper before you commit to anything, so a bad claims year can’t exceed a number you already agreed to.
One analysis. Your own data. No obligation. Find out what your health plan is really costing you, and what it doesn’t have to.
Get my free cost analysisTakes 5 minutes to send the documents. We do the rest.