Stalwart provides our clients with access to the best actuarial models, incorporating commercial healthcare data on over 40 million lives. Our expertise in this area gives us an unparalleled advantage over our competitors in validating or disproving the proposals of insurance carriers and provide a level of transparency not accessible by most mid-market businesses. Obvious applications are:
- Is the renewal we have received from our carrier fair?
- Should we consider self-funding?
- How do we determine the appropriate individual stop loss level?
- Are the benefit plan design changes given proper discounts by the carrier?
Our actuarial models provide client specific insight into your unique risks and best opportunities for targeted improvement.