Broker Renewal Diagnostic

Stop Losing Renewals to Specialty Claims

Specialty costs are driving employer increases. Most health plans don’t govern how care begins. HealCo helps brokers introduce specialty governance inside existing plans.
Request Renewal Diagnostic
SYSTEM ARCHITECTURE
Broker
Governance
Routing
Provider
242
Claims Analyzed
22%
Avg Savings
30d
Deploy time
THE PROBLEM

Why Renewals Are Getting Harder

For many employers the biggest cost increases now come from specialty care escalation.
ESCALATION PATTERN
01
Member reports symptom
Employees enter through hospital emergency or referral networks — the highest-cost access point.
02
Imaging Before Conservative Care
Advanced imaging ordered immediately, locking in facility fees before conservative alternatives are assessed.
03
Surgery Scheduled Pre-Review
Surgical scheduling initiated before non-surgical pathways are reviewed or offered to the patient.
Once hospital specialty care begins, costs compound quickly.
WITHOUT GOVERNANCE
Hospital entry
+$18k
Facility imaging
+$4.2k
Surgical pathway
+$62k
Renewal impact
High
WITHOUT GOVERNANCE
Conservative care
$2.1k
Independent imaging
$800
Non-surgical path
$4.4k
Renewal impact
Stable
Once hospital specialty care begins, costs compound quickly.
PLAN ARCHITECTURE
Carrier
Existing coverage
TPA
Claims administration
Broker
Relationship management
HealCo Governance
Decision Desk — Specialty routing
NEW
Governance Layer

What HealCo Adds

HealCo introduces a governance layer inside existing health plans.
Employers keep their broker
Employers keep their carrier
Employers keep their TPA
HealCo manages how specialty care begins — before hospital pricing locks in.

Diagnostic → Governance

From identifying renewal risk to deploying governance — a clear path forward.
1
Renewal Problem
Specialty escalation identified
2
Diagnostic Review
Claims & pattern analysis
3
Governance Layer
Decision Desk deployed
4
Broker Advantage
Renewal stabilization
Deliverables

What Brokers Receive

Within 7–10 business days, you'll receive a comprehensive diagnostic report.
Specialty Cost Breakdown
Detailed analysis of specialty care spending patterns
Claim Analysis
Hospital vs Independent Pricing
Price comparison across facility types
Price comparison
Escalation Pattern Analysis
Where and how care escalation occurs
Pattern mapping
Renewal Volatility Assessment
Risk factors driving renewal increases
Risk scoring
Governance Deployment Options
Tailored implementation recommendations
Implementation plan
7–10
Business Days

Full diagnostic delivery
SUBMIT YOUR CASE

Request Renewal Diagnostic

Submit your employer plan data. HealCo's Decision Desk will analyze specialty escalation patterns and return a full diagnostic within 7–10 business days.
✓ Broker relationship fully preserved
✓ Carrier and TPA remain unchanged
✓ Confidential diagnostic review
✓ No obligation on submission
✓ 7–10 day turnaround guaranteed
BROKER INFORMATION
EMPLOYER INFORMATION
PLAN DETAILS
DATA FILES
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Confidential. No obligation. 7–10 business day turnaround.
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