How Brella Showcased the Power of its Utilization through Data

Rhea Manwani
June 1, 2022

No one can predict which medical issues will come their way, so choosing a supplemental plan that only covers narrow types of conditions or treatment can be a gamble. Employers shouldn’t have to guess if a supplemental plan is worth implementing.

Brella’s modern supplemental health insurance covers 13,000+ conditions to help shield employees from the financial strain that often follows unexpected health issues. 

Because our benefits are triggered by ICD-10 diagnosis codes only, we can deliver actionable intelligence up front—just by looking at historical medical claims. Even before the coverage is implemented, we have the ability to demonstrate Brella’s value and impact—arming broker advisors and their employer clients with another tool in designing the best possible health benefits strategy.

Let’s take a look at how this data drove one employer’s decision to implement Brella coverage:

What We Found

In partnership with a leading national brokerage firm, we analyzed medical claim data of a manufacturing company in Texas with 400 benefit eligible employees. We reviewed all medical claims for the full year 2021 to determine which ones would have been eligible for a Brella benefit had Brella coverage been in place. The results were compelling. 

Let’s take a closer look at how Brella would have covered Moderate Conditions— 

  •  89 payable Moderate claims
  •  72 members with a Moderate payout
  •  66 covered ICD-10 diagnosis codes

Brella covers 6,000+ Moderate conditions that can happen at any time. Covered Moderate conditions include injuries and illnesses like simple fractures, dehydration, and kidney stones which may require a visit to urgent care or the ER. 56% of this group’s payable claims would have been Moderate benefit payouts. 

Here’s how Brella would have covered Severe Conditions— 

  •  37 payable Severe claims
  •  30 unique members with a Severe payout
  •  23 covered ICD-10 diagnosis codes

The Severe benefits category covers 5,600+ conditions that likely require more intensive medical treatment. Covered Severe conditions include injuries like compound fractures and torn ACLs as well as illnesses like appendicitis, diverticulitis, and pulmonary embolisms. 30% of this group’s payable claims would have been Severe benefit payouts. 

Here’s how Brella would have covered Catastrophic Conditions— 

  • 32 payable Catastrophic claims
  • 22 unique members with a Catastrophic payout
  • 20 covered ICD-10 diagnosis codes

The Catastrophic category covers 1,500+ dangerous conditions that may be life threatening and require urgent treatment. Covered Catastrophic conditions range from heart attack and cancer to multiple sclerosis and end stage renal failure. 24% of this group’s payable claims would have been Catastrophic benefit payouts. 

Key to the Win

“Because Brella benefits are triggered by the diagnosis only, we speak the same language as the medical claim and can use data transparency to drive confident benefit decisions." —Mike Zarrillo, Chief Revenue Officer, Brella

When we set out to build Brella, we did so with the goal of designing a product that strengthened the overall health benefit offering. That covered more. That was easy to use. We asked ourselves the question: isn’t that what a good supplemental health plan should do? 

Brella’s claims analysis data arms broker advisors with the tools to showcase the power of Brella’s utilization and wide-ranging coverage. This group chose Brella because they were able to see, tangibly, how Brella could fill in the gaps for their group’s coverage in the face of sudden medical events. 

If you've got a group in mind that could benefit from our supplemental health solution, we'd love to talk to you. Get in touch and a member of our team will reach out within a business day.