What does an organization need to provide CareBOND Advanced Funding to receive a proposal?

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• Authorization and directive to the plan payer for 100% data collection/interface

• Minimum Data: previous three years of Health Care costs​​​

• The average number of employees in each year

• A Mutual Confidentiality Agreement

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How is the CareBond Advanced Funding program implemented?

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Phase 1: Actuarial Analysis, Assessment and Report (10 – 15 days)

• Analysis of claims data & vendor mapping

• Review of current benefit costs

• Review of previous three years of utilization history

• Interview designated senior executives to gain perspective of the goals and objectives of projected costs and savings

• Itemization of projected costs and savings

• Summary of results and savings presented to executive group

• Underwriting

Phase 2: Vendor Negotiation, Funding and Implementation (30 – 45 days)

• Develop and review the implementation plan

• Assist with internal approvals

• Establish PayerID with CareBOND DirectCONNECT

• Establish Employee Discount Accounts with CareBOND PatientPAY

• Lead negotiations with vendors regarding long-term discounts

• Secure capital markets term financing for the transaction

• Preparation of transaction contracts and documentation

• Establish Trust and appoint a Trustee

• Implementation and execution of the transaction

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What does the CareBond Advanced Funding Program provide an organization?

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• Analyze historic costs and trends

• Use of actuarial modeling to establish and predict costs over a three to five year period

• Provides all proprietary documentation for the special purpose trust

• Identifies a financial institution to provide funding for the Trust, and will receive monthly payments from the Trust

• Pre-fund the predicted costs in the capital markets for three to five year borrowing

• Structure a fixed monthly payment, providing long term planning and budget predictably

• Establish and maximize a significant Reserve Fund within the Trust

• Establish a Proprietary Data Interface with the Carrier Claims System & DirectConnect; the bridge and infrastructure for claims and billing coordination/oversight

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What other ongoing services are provided for the term of the engagement?

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• Quarterly reports are generated and meetings convened monitoring all financial factors that affect both fixed and variable costs.

• Patient Pay accounts ongoing setup and management

Optional:

• Concierge Care Navigation

• Incentive Management

• Billing and Member Advocacy (including bill negotiations)

• Custom Network Building and Provider Contracting

• Insights ongoing analytics platform for actionable savings opportunities and trend management (coordinated with broker/consultant/plan sponsor’s existing tools)

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