problem

Employers lack access to timely, comprehensive claims data for effective underwriting

Underwriters often rely on incomplete information from questionnaires, limited claims data, or outdated sources. This leads to inaccurate risk assessment, potentially mispriced quotes, and increased financial exposure for insurers and employers alike.

solution

Flexpa delivers instant, comprehensive claims data for precise underwriting

Flexpa provides underwriters with immediate access to detailed claims histories, including medical codes, treatments, and historical costs. This enables more accurate risk assessment, appropriate pricing, and better-informed decisions for both self-funded and fully insured groups.

Flexpa enables precise underwriting:

Access comprehensive claims data to accurately assess risk and set appropriate premiums.
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Eliminate reliance on incomplete questionnaires or limited claims information.
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Enable data-driven decisions for groups transitioning from fully insured to self-funded plans.
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Improve accuracy of stop-loss insurance pricing by providing a complete picture of historical claims.

Why Day 0 Matters for Member Experience

Seamless Onboarding:

Start personalizing member experience immediately with complete health history

Accelerated Risk Adjustment:

Start chart chase activities immediately, ensuring complete HCC coding from day one, eliminate redunant records requests

Operational Excellence:

Streamline care coordination and member support processes - show members you're prepared to support their health journey from day one

Optimize underwriting risk assessment with comprehensive claims data

Access detailed historical claims information to provide accurate quotes and manage risk for self-funded and fully insured groups.