08/28/2026
This year's claims are next year's premiums. It doesn't matter if you're fully insured, self-funded, or level funded.
Every plan, every carrier, works this way.
Here's the good news. Every network has lower cost, higher quality providers sitting right next to the expensive ones.
Your employees just need guidance to get them there.
InterceptCare exists for exactly this reason.
Our InterceptCare advocates watch for claims in real time, so when an employee needs an MRI or a procedure, we reach out with lower cost options before the appointment ever gets scheduled.
If you want next year's premium to look different, this year is where that story gets written.