Executive Insights brings the group’s health overview, key drivers, risk scores and data confidence into one leadership view. Predictive medical and pharmacy intelligence sits inside the analysis. Add a separately scoped workers’ compensation review covering losses, payroll, experience-mod inputs and renewal priorities. Aggregate health reporting requires at least 30 covered lives and authorized data.
Choose the decision you need to support. We confirm deliverables, data requirements, timing and total fees before the engagement begins.
An employer-specific scope connecting authorized aggregate workforce analysis, funding comparisons and decision-ready recommendations. Workers’ compensation analysis can be scoped separately.
Scope my project →Set a cadence for workforce updates, renewal planning and strategy reviews. Frequency, included reports and workers’ comp deliverables are agreed in the subscription scope.
Build my subscription →Advanced intelligence projects start at $2,500. Subscriptions are quoted separately; this does not set a monthly subscription rate. Health reporting requires at least 30 covered lives and an authorized, aggregate reporting scope. Broker memberships, plan administration and stand-alone Basic products are separate.
Use your own assumptions to compare annual medical value and the premium sensitivity of a workers’ compensation experience modifier.
Medical value = medical spend × assumed improvement. Comp sensitivity = premium subject to mod × (current mod − what-if mod). This does not calculate or predict an official mod. Changing medical coverage does not itself change the mod. Other rating factors, fees and taxes are excluded; avoid double counting. Health analytics and comp loss-run analysis use separate authorized inputs.
Experience rating background · NCCI →Authorized group-level medical, pharmacy and projected-cost patterns, with identifying details suppressed.
Available demographic, morbidity and projected scores with their source, benchmark, period and match confidence. Different model outputs remain distinct.
Separately scoped loss-run, payroll and experience-mod review with your P&C advisor. Health scores are not used to predict individual workplace injuries.
Translate findings into funding, care-access and communication priorities. Review plan-specific carrier wellness rewards and other available employee resources.
Employer reports are aggregate only. Individual health status does not determine employment, benefit eligibility or contribution classes. Wellness program availability and reward terms are confirmed for each plan.
Put payroll, losses and operational follow-through on the same screen. Explore a scenario, find your questions, then bring the right evidence to your P&C advisor.
Start with your current rating worksheet and policy audit.
Planning tool · editable examples · no live carrier feedHold your manual premium constant and test the effect of a different experience modifier.
Payroll ÷ 100 × assumed blended rate × mod. This isolates mod sensitivity; it does not calculate an official mod or final premium. Actual classifications, state rules, credits, fees and carrier adjustments require review.Compare equal-length periods using the same loss valuation basis. Incurred losses include paid amounts plus case reserves.
Claim counts and incurred losses are descriptive measures. Valuation dates, exposure changes, claim mix and open reserves affect comparisons.Model the workdays potentially recovered through an appropriate, clinician-approved modified-duty plan.
Operational planning only. This does not estimate indemnity benefits, medical costs, a premium credit or an individual’s fitness for duty. Coordinate duties with the treating clinician, carrier and appropriate advisor.Check what you have. The next action updates as you go.
Scenarios stay in this page; no files or employee records are uploaded. A live review uses separately authorized workers’ comp records and an agreed scope. Group-health medical and pharmacy data are not reused to predict occupational injuries or make employment decisions. Workers’ comp placement and advice require appropriate state P&C licensing; review and pricing are separate from the health report.
Learn more: NCCI experience rating · OSHA leading indicators
Evaluate group-level health cost outlook, data confidence and funding scenarios for self-funded, level-funded and other benefits strategies. Add workers’ compensation analysis using separately authorized, purpose-appropriate data.
Small employers no longer have to make a funding decision from premium alone.
Bring population-level intelligence to employers least likely to have an analytics team.
All Group, CHOICE Only, or a compliant class-based combination.
Risk, market pricing, contributions and employee experience in one strategy.
Bring risk, market economics and employee choice into the same conversation.
Justified Analytics, Navigation, Economics & Transparency
Understand healthcare costs, compare benefit strategies and explore predictive medical, pharmacy and specialty Rx signals.
QUOTE → MEASURE → PREDICT → DECIDENot just an answer. The analysis behind it.
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