Group Health Solutions for Associations, Trusts, MEWAs and other Pooled Risk Groups

Assess proper ISL limits for prospective groups

Boost speed and efficiency

Re-evaluate risk member groups at renewal with greater precision

Support automation of your quoting process

Decrease quote turnaround time

Make more informed decisions, faster

Group health underwriting is a fiercely competitive business where speed, accuracy, and pricing drive success. The ability to discern risk at a nuanced level makes all the difference.

What if you could identify good risks that others miss, and price them to win, while avoiding bad risks or pricing them so you can maintain a healthy loss ratio? Imagine if you could do this while also dramatically reducing quote turnaround times.

Now you can with the power of Gradient AI’s SAIL™ Solution for New Business and Renewal Analytics for Renewing Business.

Speak with us about Group Health Solutions

Better Risk Assessment. Better Underwriting.

SAIL™ for New Business

Improve your risk assessment capacities through a combination of machine learning, and our vast SAIL™ dataset, comprised of medical, prescription, and lab data, to obtain predictive insights to identify risk with speed and accuracy never before possible.

Our SAIL™ dataset, combined with our modeling expertise, uniquely positions Gradient AI to help you price more accurately, better manage risk, and grow more profitably.

Enhance your underwriting capabilities by gaining a more complete in-depth picture of risk to compete more effectively and win more business while improving loss ratios. Gradient AI’s Group Health Underwriting Suite enables you to:

Price policies more accurately and aggressively
Capture more business with streamlined underwriting and faster quote turnaround times
Better manage risk and reduce loss ratios with deeper insights into group risk

Renewal Analytics Solution for Renewal Business

The Renewal Analytics Solution is tailored specifically for pooled risk groups, such as 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.

There are three key components:

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.
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.
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.

“We are focused on delivering health insurance to drive the delivery of quality healthcare at a lower cost. We recognized the potential for AI to help us realize this goal and provide a better customer experience. Our success has been driven not only by Gradient SAIL’s accurate and deep risk assessments but also the ability to integrate the intelligence we have gained directly into our underwriting processes.”

– David Voorhees, Founder and CEO, True Captive Insurance

“We found that SAIL’s highly accurate risk assessment capabilities combined with its access to prescription and medical data, makes it superior to other solutions in the marketplace. SAIL enables us to turnaround quotes quickly at a competitive price for targeted groups with the confidence that we have a more complete picture of a group’s risk.”

- Bill Ashley, CEO, Allied National