Commercial

We embed industry-best practices, unique data sources, advanced analytics, and years of actuarial experience in our next-generation pricing models for self- and fully insured employers to provide actionable, validated, and impactful strategies for payers to effectively articulate and price the value created for members.

We use proprietary data, predictive analytics, and consultative selling capabilities to help payers drive sales-force effectiveness and seamlessly manage the last mile to brokers, employers, and ultimately - members.

We leverage cutting-edge broker, consumer, and employer insights (for example, annual survey of 1,000 employers) to design customer-backed commercial offerings to improve experience, affordability, and minimize abrasion.

We help payers develop unique, whole-health-focused value propositions across medical and nonmedical lines of business through our deep expertise in stop-loss, dental, vision, life, and disability insurance.

When a regional payer faced increasing competitive pressure, we launched a comprehensive diagnostic to identify priorities for reigniting growth across pricing, product, sales, and ancillary levers, identifying more than $400 million in EBITDA growth opportunities.

A regional payer with high market share and low profitability in its self-insured business was looking to improve its margin performance while delivering more value to customers. We helped deploy more than 20 best-in-class self-insured product price architecture practices to significantly boost margin performance and simultaneously improve the customer value proposition.

A large payer facing declining renewal rates and stagnating new sales was looking to transform their sales process to enable delivery of innovative, more effectively priced benefits to current and new employers. We provided support across the board, from industry insight to analytics, and from account prioritization to the design of a consultative sales model. These efforts helped identify opportunities for one-million-plus membership growth and more than $300 million in growth in earnings before interest, taxes, depreciation, and amortization.

When a payer wanted to deliver a value proposition for enhanced medical plus ancillary services, we aggregated internal-group-level data across business lines and connected them to proprietary data to prioritize prospects that could benefit from the combined value proposition. Together, we charted a path to double carve-in rates across key ancillary lines.