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Merit Predict
is built for Stop-Loss Carriers
Anticipate Risks
Safeguard Profitability
Achieve Financial Stability
Stop-loss carriers face unexpected claim exposure that impacts financial stability and profitability. Merit Predict equips you with advanced predictive analytics to forecast individual member costs with precision—from first-dollar claims to high-cost occurrences–even with limited data, giving you a competitive edge in the market.
Comprehensive Solutions for Stop-Loss Carriers
Proactively Manage Risk
Unforeseen high-cost claims can disrupt your financial models and erode margins. We empower you to anticipate risks and make data-driven decisions that safeguard your bottom line.
Identify High-Cost Claimants Early
Predict high-cost claimants 12–18 months in advance, providing insights needed to anticipate and prepare for catastrophic claim events.
Optimize Stop-Loss Premiums
Determine precise specific deductibles that balance competitive pricing and expected loss ratios.
Maximize Capital Reserves Allocation
Align reserves with future risk to avoid over- or under-allocation, freeing up capital for impactful reinvestment.
Sharpen Underwriting Strategies
Traditional underwriting models often lack the precision needed to navigate tomorrow’s risks. We provide you with insights that sharpen your pricing strategy and minimize your risk exposure.
Predict Future Risk
Gain visibility of individual member costs, from first-dollar claims to high-cost occurrences, allowing you to proactively assess risk with greater underwriting precision.
Enhance Pricing Models
Leverage predictive insights to determine the specific deductible to minimize financial liability and maximize profitability, even with limited access to data.
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"While stop-loss carriers have traditionally used predictive modeling to refine their underwriting processes, there is growing demand for more precise and actionable insights. Merit Predict helps address this need by forecasting at-risk members and their expected claim spend, offering a powerful solution to improve loss ratios and drive profitability."
Rick Lassow
Head of Actuarial, Merit Medicine