What the Tools Do
Our tools are designed to standardize inputs, improve comparison clarity, and support faster, more confident decisions. Whether you’re building an ancillary program, evaluating stop loss, or managing complex claims and leave risk, the goal is the same: less back-and-forth, clearer tradeoffs, and smoother execution.
CAP Tool
CAP is a claims analysis platform that combines clinical insights and financial analysis of the costliest and most complex diagnoses and specialty drugs—helping guide enterprise-wide initiatives and stop loss strategy.
What This Tool Does
Identifies potential high-cost claimants earlier, projects expected costs by diagnosis and other variables, and supports proactive planning before claims reach critical thresholds.
Who This Benefits
Partners supporting stop loss and self-funded health plans who need clearer visibility into high-cost risk drivers and specialty drug trends.
How This Tool Supports Placement
Strengthens stop loss submission and renewal strategy with clearer risk documentation—supporting carrier conversations, risk positioning, and better-aligned decisions.
Ancillary Quote Lin-Q
Lin-Q is an ancillary quoting and carrier-matching tool designed to improve quote comparability and streamline procurement across ancillary benefits and voluntary benefits.
What This Tool Does
Helps standardize inputs and organize carrier matching so quote responses are easier to compare and recommendations are easier to defend.
Who This Benefits
Partners running ancillary benefits procurement—especially across dental, vision, life, disability, and supplemental coverages—who need cleaner comparisons and faster selection.
How This Tool Supports Placement
Produces more consistent quote summaries and reduces manual rework—helping teams move from RFP to decision to rollout with less friction.
ClaimSpur Advance Funding
ClaimSpur is a stop-loss solution offered in partnership with Aegle Capital, built to help manage volatility of high-cost claims by providing immediate funding and protecting the plan while reimbursement is pending.
What This Tool Does
Funds eligible claims quickly—within 72 hours / 3 business days—and manages the wait for stop loss reimbursement so claim delays don’t impact the health plan.
Who This Benefits
Funds eligible claims quickly—within 72 hours / 3 business days—and manages the wait for stop loss reimbursement so claim delays don’t impact the health plan.
How This Tool Supports Placement
Adds a financial stability layer to the stop loss strategy, with straightforward pricing (fixed PEPM) and a simplified process overseen by Avant/HMA with minimal employer paperwork.
Absence Risk Assessment
Absence Risk Assessment supports leave and absence planning with tools like a State Leave Management Heatmap and census analysis—helping identify where statutory PFML responsibilities may apply.
What This Tool Does
Highlights state-level leave exposure and surfaces key risk considerations before decisions are made—so requirements and next steps are clearer early.
Who This Benefits
Partners supporting employers with absence/leave complexity and multi-state workforces—especially where compliance-sensitive workflows matter.
How This Tool Supports Placement
Improves planning and vendor coordination by clarifying statutory exposure and helping stakeholders align on requirements and timelines.
Additional Tools & Processes
- AI-Driven Proposal Analysis tool
- Ancillary Performance Analysis and Underwriting Model
- Call Center KPI Dashboard
- Carrier Placement and Premium Under Management Analytics
- Census and Eligibility Analysis Tool
- Dental Network Compatibility Identifier
- LTD Exposure & Discrimination Scatter Graph
- Payroll and Billing Reconciliation Tool
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