38 / 107
CB I Z Re s pon s e │ Pa g e 38
11. Please provide an estimate for the amount of premium volume your firm has with our
current carriers, listed under Section IIB.
Health & Welfare
BCBS KC: over
$290,000,000
MetLife: $35,000,000
Hartford: $6,500,000
EyeMed: over $3,500,000
Meritain: $5,000,000
Property & Casualty
Travelers: $27,072,878
ACE/Chubb: $25,641,898
Allied World: $240,645
Retirement Plan Services
Due to MetLife’s retirement business being recently sold to Massmutual, CBIZ Retirement Plan Services has
assisted more than 10 clients transition to an alternate recordkeeper following a vigorous RFP process. That
said, CBIZ Retirement Plan Services still retains 4 clients with MetLife on our book of business nationally. In
addition, CBIZ RPS is proud to serve more than 45 visiting nurse/home health care clients across the country
similar in size, scope and scale to VNA Corporation.
12. Please describe how your firm evaluates health plan financing alternatives, determines
optimal stop loss deductibles, plan design changes, employee contribution modeling and
other relevant financial elements.
We take a data driven approach to analyzing all of the elements outlined above. It begins by taking an inventory of
your claims experience through our data analytics tool- NavMD. We also use our actuarial team and other in house
developed tools to assist with the data analysis so that we can provide information driven recommendations to the
VNAC.
Funding and Financing
CBIZ can use NavMD to measure prospective risk scores in your population to help determine whether
taking on additional risk makes financial sense
CBIZ will review the considerations of each funding option and assess the VNAC’s level of risk tolerance
CBIZ financial analysts run comparative analysis of all funding options to highlight fixed and variable costs
Network adequacy and efficiency is analyzed to determine optimal financial solutions
Stop loss evaluation
We conduct internal underwriting to determine the risk profile of the VNAC and use our analytics tool to
forecast future risk and use that to negotiate optimal stop loss or pooling rates.
Our actuarial team also has a stop loss model called a Monte Carlo Analysis that will predict out of 10,000
scenarios, which stop loss level or pooling point would be optimal the majority of the time.
Plan Design Modeling
Using NavMD and the score card of key performance indicators we determine which plan design changes
will result in reinforcing employee health behaviors and result in optimal plan performance.
Data analytics tools to benchmark and determine market competitiveness of plan design
NavMD allows for modeling plan design changes to determine number of employees impacted as well as
financial impact to the plan. This allows a double check against how the carriers are evaluating plan
changes and a more powerful negotiating position.