In order to determine prospective savings for new customers, we conduct a thorough review of historical claims’ experience, including the insurance company renewals and provide a detailed report of the financial health of their healthcare benefit plan.

The costs associated with sponsoring an employee healthcare plan are layered on top of the incurred claims, and include:


  • General administration fees
  • Claims payment fees
  • Incurred but not reported (IBNR) factors
  • Trend and utilization factors
  • Stop Loss Insurance factors
  • Broker commissions and
  • Profit charges

In the case of fully insured benefit plans, the aggregate of these factors can range from 25% to 50% of the true cost of the annual claims.


Lifebridge offers the most competitive renewal and administration factors!