A Claim Response Factor is the financial improvement factor after implementing wellness initiatives. Our goal is to help you review claims regularly, however we go much deeper than a quarterly review. We also investigate and predict your financial future.

Our predictive modeling tools use computer algorithms that monitor over 200 actuarially based elements that far exceed the predictions of human underwriters. Our tools predicts your future claims within a 95% accuracy. This allows you to know your costs before they happen.

We also educate you on a regular basis so that you will know the trends of medical utilization and innovations which deeply affects your claim costs. Our Claim Mitigators help you design wellness programs that lower utilization and engage employees.

Our process allows us to underwrite groups in advance of their renewal and to provide adjustments during the plan year to stay on target.