How can USI help our organization negotiate fair renewals?
USI’s independent review and forecasting of large claims reduces inflated projections, driving reductions in premium or stop-loss rates and claim liability.
USI's review of large claims reports helps ensure accurate projections in the renewal analysis and identifies opportunities for mitigation through plan design, care intervention, or targeted disease management.
We’ve estimated the financial impact for you. Feel free to update the assumptions.
- Elimination or reduction of stop-loss lasers and reduced stop-loss premium for self-insured clients
- Increased subrogation and COB recoveries
- Ability to target health risk management initiatives
USI utilizes proprietary claims analytics to identify changing or emerging utilization patterns and recommends appropriate plan adjustments or additional programs to address the underlying causes.
Yes, USI's approach to forecasting facilitates improved accuracy in relation to health plan budgeting.
Engaging with USI’s medical director and analytics team on claim reviews above 50% of the pooling point, evaluating the probability and cost of continued treatment, and calculating our 3D risk scores.
Following those steps, USI negotiates with carriers and advises clients on:
- Integrating reduced claim forecasts into renewal calculations
- Removing or limiting specific claim lasers
- Reducing aggregate claim liability
- Providing realistic claim funding expectations
I’d like to explore further how USI can help our organization gain better control of our large-cost employee benefit claims.
To perform a custom analysis, our Underwriters require detailed large claims data reporting. We can discuss the possibility of USI obtaining data directly from your carrier with the proper authorization.