Understanding your program's performance shouldn't wait until renewal. Our detailed quarterly reporting delivers consistent visibility into your claims experience, pharmacy utilization, and cost trends throughout the year.

What you'll receive:

• Comprehensive claims analysis identifying cost drivers and utilization patterns
• Pharmacy trend reporting with therapeutic category breakdowns
• Year-over-year comparisons to track performance evolution
• Early warning indicators that flag emerging issues before they escalate

This regular cadence keeps you informed, eliminates surprises, and enables proactive program adjustments when they matter most.

Looking backward tells you where you've been—predictive analytics shows you where you're headed. Using advanced modeling and your historical data, we forecast future costs, identify potential risk areas, and help you prepare for what's coming.

Our predictive capabilities include:

• Future cost projections based on current trends and utilization patterns
• Risk stratification to identify high-cost cohorts and intervention opportunities
• Scenario modeling to evaluate the potential impact of plan design changes
• Trend analysis that separates temporary fluctuations from meaningful shifts

With predictive insights, you can move from reactive management to proactive strategy—addressing challenges before they impact your bottom line.

How you fund your benefits program directly impacts your financial flexibility and risk exposure. Our comprehensive funding analysis evaluates your current approach and identifies opportunities to optimize cash flow, reduce risk, and maximize value.

We examine:

• Fully insured vs. self-funded scenarios with detailed cost-benefit analysis
• Stop-loss coverage strategies and optimal attachment points
• Cash flow implications and reserve requirements
• Risk tolerance alignment with funding structure

Whether you're considering a funding strategy change or optimizing your current approach, our analysis provides the clarity you need to make confident financial decisions.

Understanding the true value of your benefits offerings requires more than premium comparisons. Our actuarial value calculations provide precise measurements of plan richness, cost-sharing structures, and comparative value—ensuring your decisions are based on comprehensive financial analysis, not just surface-level numbers.

Our calculations support:

• Plan design comparisons that reveal true cost differences
• Employee contribution strategy modeling
• Compliance verification for ACA and other regulatory requirements
• Competitive benchmarking against market standards

These calculations ensure you understand exactly what you're offering employees and what it means for your organization's financial commitment.

Understanding the financial impact of your benefits program shouldn't require guesswork or waiting until year-end. At Vereo Partners, we provide comprehensive financial reporting and modeling tools that give you clear visibility into current costs, future projections, and the financial implications of strategic decisions.

Incurred But Not Reported (IBNR) claims represent a critical financial liability that many self-funded employers struggle to accurately estimate. We provide detailed IBNR reporting at no additional cost to all clients—giving you the precise accrual data you need for accurate financial statements and budget planning.

With reliable IBNR reporting built into your service, your finance team can close books confidently and plan budgets accurately—without paying extra for essential financial data.

Considering a plan design adjustment? Evaluating contribution strategy changes? Our plan change modeling shows you the financial impact before you commit—for both the organization and your employees.

We model the financial implications of:

• Deductible and out-of-pocket maximum adjustments
• Copay and coinsurance structure changes
• Network design modifications
• Contribution strategy shifts
• Adding or removing benefit options

For each scenario, you'll see projected impact on employer costs, employee costs, utilization patterns, and overall program affordability—enabling data-driven decisions that balance financial objectives with employee value.