Step 3:
Plan Intelligence
Once claims data has been validated and organized, it becomes something more than a record of what was paid — it becomes a queryable asset.
"Is our wellness program working?"
Answer it directly from data already cleaned and organized.
"What are our cancer costs and expectations?"
Understand real cost concentration across your population, not just anecdotes.
"What should our renewals look like?"
Compounding data sharpens predictions for stop-loss coverage and program effectiveness.
"I agreed to a 35% subrogation fee; what does that mean in dollars?"
Distill fees into plain language and numbers, not just a percentage buried in a contract.
The Network Effect
It gets smarter with every claim run.
As more employers use ClērBlū, the platform's intelligence compounds – each claim run makes the system smarter, while always preserving the highest standard of security and protection of PHI.
Each employer's data stays strictly separate at the individual account level. Only aggregated, de-identified data contributes to broader benchmarking
– by geography, industry, size,
carrier and more.
Case Study: In one case, a $180,000 in-network claim showed $27,849 in fees added after the plan had paid nothing on the claim – a pattern consistent with a subrogation fee, but one that requires further clarity from the TPA. These fees should be transparent and not buried in the line level of a claim.