The data you were always owed is finally yours.
For years, self-funded employers were kept in the dark about their own healthcare spend. That changed — and it's why a tool like EmClaim can exist.
Your claims data is yours
The Consolidated Appropriations Act removed the "gag clauses" that let administrators restrict access to your plan's de-identified claims and price data.
You can share it with an advisor
The same rules let you hand that de-identified data to a business associate — like EmClaim — to analyze on your behalf.
Scrutiny is rising
Plan sponsors face growing pressure to show they paid prudent prices. A clear benchmark is becoming part of doing the job well.
"The word of the week is carve-out."
Large employers can direct-contract for the procedures they choose — a knee, a hip, an MRI — at a transparent price, and route their people there.
The hard part was never the contract. It was knowing which procedures to carve out, and what carving them out is worth. That's the gap EmClaim fills: your own claims, measured against Medicare, ranked by the savings on the table.
Built for the people who carry the spend.
Self-funded employers
Benefits and finance leaders who hold the claims risk and want a defensible view of what the plan pays.
Brokers & consultants
Advisors who want hard numbers behind a carve-out or reference-based-pricing recommendation.
Plan fiduciaries
Those responsible for prudent spending who want a documented benchmark on file.
EmClaim provides decision-support based on your data and public Medicare rates. It does not provide legal, actuarial, or fiduciary advice.