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Trend Neutralizer—Guaranteed Savings
Our Trend Neutralizer guarantees insurance premium savings for employers using
consumer-directed plans and wellness programs. Many employers can save $1,000 to $1,500
per employee per year.
Trend Neutralizer is an exclusive Benefit Commerce Group program that earns you
credit toward reducing the medical trend component of your premium renewal, based on
your employees’ participation in best practices.
Understanding the Impact of Medical Trend on Your Health Plan Cost
Do you know how credibility of your claims experience and medical inflation trend impact the
renewal rate of your health plan?
o The size of your group has a direct bearing on how much credit you receive for good claims
experience and any of those great wellness programs you have implemented.
o Trend normally accounts for 50-70% or more of your renewal increase.
What is your current broker doing to address your credibility and trend? Most brokers
and carriers don't ever address how they plan to manage trend. It seems obvious that a
strategy that fails to address 50-70% of the challenge is doomed to fail.
Our exclusive Trend Neutralizer GUARANTEES - in writing - to reduce your annual trend increase by
up to 12% each year simply based upon your engagement in a set of proven best practices.
o In the first year our exclusive strategy averages over $1600 in savings per employee without reducing benefits. For every 100 employees, that equals savings of over
$160,000.
o Our clients in this renewal year--even with the impact of Healthcare Reform--have had their
increases cut in half with Trend Neutralizer.
Benefit Commerce Group’s exclusive cost-saving Trend Neutralizer program has attracted the
attention of national leaders in the wellness field.
Dee Edington is the Founder of the University of Michigan’s Health Management
Research Center, and his book, “Zero Trends”, is used as the blueprint for many
organizations’ wellness objectives. He is often referred to as “the father of health and
productivity”. Dee highlighted our Trend Neutralizer in a recent magazine article he wrote.
“Corporate Wellness: 2013 Is Time for an Upgrade” is the title of his article in HealthCare
Consumer Solutions, the publication of The Institute for HealthCare Consumerism. Dee
prominently included a description of Trend Neutralizer in the article. Read the full article here.
He explained that our Trend Neutralizer was developed “to show the 50-250 employee companies
the role cost trend plays in the calculation of future costs…. The Trend Neutralizer provides the
underwriter with the opportunity to retrospectively evaluate a client’s performance in seven areas
that all parties agree leads to better outcomes. If the client performs consistent with best practice,
their trend factor may be reduced to zero.”
Call or email us for more information on how our Trend Neutralizer can improve your employees'
health and lower your costs. You can contact Benefit Commerce Group at 480-515-5010 or
email us at [email protected].
Benefit Commerce Group
14300 N. Northsight Blvd., Suite 221 * Scottsdale, AZ 85260 * 480.515.5010 * www.benefitcommerce.com