With Gradient AI, insurers enhance their underwriting capabilities by gaining a more complete, in-depth picture of risk. 

Gradient AI enables insurers to recognize risks that might otherwise have been missed, and price accordingly, or decline the business depending on strategic priorities.

Group Health Underwriting Solutions include:

SAIL™ for New Business

Gradient AI’s SAIL™ group health underwriting solution for new business leverages a vast industry data lake to evaluate the potential cost of each submission and provides predictions that clients can incorporate into automated underwriting processes or use internally for underwriting and pricing decision support. SAIL™ uses anonymized historical medical, prescription, and lab data on the submitted population to inform its predictions.

SAIL enables our clients a level of transparency into a group’s health risk that was never before possible, enabling them to tailor group health solutions to the specific composition of the employer group. Armed with the information that SAIL provides, underwriters and risk managers can deliver highly accurate quotes with the confidence they have a comprehensive understanding of a group’s future risk.

Renewal Analytics Solution for Existing Business

The Renewal Analytics Solution is tailored specifically for pooled risk groups, such as PEOs, Associations, Trusts, and MEWAs and allows you to better manage your overall health plan, analyzing and managing risk to incumbent groups individually and as a block.

Gradient AI’s Renewal Analytics Solution contains three key components:

1. Renewal Predictive Al Model provides risk predictions valuable for renewal underwriting or repricing a block of business, early identification of developing trends, and the implementation of risk management and cost containment strategies. The Renewal model utilizes your own historical medical and pharmacy claims data to develop a risk expectation for the upcoming 12 months.
   
   
2. Analytics and Reporting Dashboards provide summary and detailed views of group claims, enrollment trends, and performance metrics across factors such as industry, geography, group size, and demographics. Quickly discern underlying cost drivers for groups, members, and high-cost claimants, along with other predictive insights.
   
   
3. Rebanding Calculator provides recommendations for group-assigned risk bands, based on client- specific inputs, model predictions, and customer-defined scenarios and business rules at the time of renewal.

Group Health Underwriting Management & Submission Portal   

Gradient AI’s Group Health Underwriting Portal Solution streamlines the collection of census files, personal health questionnaires, and group questionnaires in near real-time, through an intuitive, Web-based tool. This allows for easy plan comparisons and plan parity testing, enrollment audit capabilities, and more. All supporting quote documentation is automatically stored, and all activity is tracked to ensure complete transparency.

The portal solution is fully integrated with SAIL™, making it a complete, single-source solution for collecting policy submission information and assessing the group’s risk. Focused on speed and usability, the portal submission is applicable to pooled risk groups (e.g. PEOs, Associations, MEWAs, Trusts), brokers/consultants, MGUs, traditional carriers, and stop-loss carriers.

PHQ Underwriting 

Gradient AI’s PHQ Underwriting group health solution is a tech-forward approach to collecting and reviewing Personal Health Questionnaires. Gradient AI’s underwriting portal and API capabilities enable clients to streamline data collection and shorten the time it takes to gather and process the information gathered from medical questionnaires, resulting in faster quote turnaround times, more closed business, and enhanced client service.

Learn how Gradient AI's solutions can benefit your organization. 

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