Build dynamic, tiered and transparent health plans
Design high-value health plans without sacrificing coverage. Every decision is backed by defendable actuarial models.
6k
Hospitals
2.5M
Providers
Side-by-side
Scenario comparison
Data-driven plan design
Evaluate your current plan
Start with a network evaluation using your claims data and census files. Design pulls in your benefits benchmarks as the foundation for your new plan.
Benefits plan modeling
Identify provider-tiering opportunities, tap into encounter-based care steerage and adjust copays to find cost savings and impact.
Finalize and share
Compare scenarios side by side and export a plan design summary ready for payer negotiation or plan sponsor approval.
Win the next renewal
Score and tier every provider
Score every provider by episode, site of care, clinical quality, efficiency and cost into a Value Index, then rank them into tiers.
- Value Index across clinical, efficiency and cost
- Scored by episode and site of care
- Every provider tiered, beyond the big systems
- Builds on the claims and network data from your network evaluation
Quick Wins
Top opportunities to steer & save
$90K in Oncology Savings
Redirect cancer care to Northside Health
$65K from Joint Surgery
Shift MSK care to Lakeview Medical Center
$45K in Colonoscopy Savings
Redirect GI procedures to Summit Regional Hospital
Model the tier shift, design the steerage
Move utilization from high-cost tiers to Tier 1 with copays and point-of-referral guidance that makes the shift real.
- Model utilization shifts between provider tiers
- Design copay differentials and encounter-based steerage
- Care pathway design and site-of-care steering
Provide variable-copay options
Model multiple tiered, variable-copay designs side by side and see the actuarial value, member cost-share and savings against the current plan.
- 50+ adjustable variables: variable copays by provider tier and site of care
- Actuarial value and member cost-share per scenario
- Savings vs. the baseline plan, PMPY
Deliver a member impact analysis
Understand how every design change affects your member population. Model premium changes, out-of-pocket shifts and access impact.
- Isolate member disruption risk by geography, providers and procedures
- Drive-time analysis to see detailed impacts
- Present an employer-ready report to build consensus
- Analysis feeds directly into plan activation — explore Dynamic Copay Plans
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8-12%
Network savings identified
Across all plan evaluations
3-4%
Savings from steerage
Updated continuously
2-4%
Payment integrity savings
Identified with claims repricing
3x
Faster benefit design cycle
vs. traditional manual process
“The truth is, if you don’t have this, you can’t really do the job for your clients that they need. We are playing chess, and our competitors are playing checkers.”
Senior Vice President
Regional Brokerage
See our data in action
Book a personalized demo and see how Handl Health delivers results from day one.