Tools
Calculators, worksheets and data tools built to run against your own numbers rather than somebody else’s average.
The set
The Benefits Accountability Matrix (BAM)
Four worksheets that run in order. Each answers a question the next one depends on, and the worked examples carry the same invented employer across all four.
Download all four as one booklet, 18 pages, PDF
- 01The MatrixThe four boxes and the impact by effort grid. Start here
- 02The Iceberg ReviewWhether your cost really is concentrated in a few claimants, and by how much
- 03Where the leverage isTwelve cost levers ranked by what each moves, and how well that is measured
- 04The 90 Day PlanFive things, five owners, five numbers, and the same page 90 days later
Tools
Nothing expensive got cheaper
Every brand drug in the federal NADAC file, priced twelve months apart. Filter by price, by therapeutic category and by whether a generic is listed, and see which products actually moved. Above $2,000 a unit, across 55 products, not one declined by as much as half a percent.
Runs entirely in your browser. Nothing is stored or transmitted.
Tools
What your hospitals actually get paid, and 10 questions for your plan’s network
What five insurers were actually paid at nine Virginia hospitals for the same six services, the questions that sit underneath a network discount, and a prompt that rebuilds the same chart out of your own facilities.
Runs entirely in your browser. Nothing is stored or transmitted.
Tools
What plan design is worth
Where your cost sharing stops working, what share of your claims land past that point, and what a proposed design change is actually worth in premium before you agree to it.
Runs entirely in your browser. Nothing is stored or transmitted.
Calculator
The greening rate
How much turnover your covered population needs just to hold its demographic cost flat, and what the shortfall costs per employee per year before medical trend.
Runs entirely in your browser. Nothing is stored or transmitted.
Calculator
GLP-1 coverage calculator
What a GLP-1 weight management benefit costs your plan over five years, and the three prices at which the arithmetic closes: what you would have to source the drug at, what reduction in plan spend it would have to deliver, or how many people you could cover.
Runs entirely in your browser. Nothing is stored or transmitted.
Built with AI assistance. Every figure names its source. More on how this gets built.