A short monologue (YouTube) by Andy Neary (uploaded Dec 17, 2025) describing frustrations insurance professionals and employers face when managing bundled programs that claim to provide extensive data but omit critical elements (cost data, case notes, care management notes). The speaker emphasizes lack of visibility causes surprise renewal increases and makes it hard for employers/brokers to understand why renewals are high or low.
Chapters
And this program is supposed to be one that gives most the most data of any bundled program in the country. And I think that's the point, is that these programs, they provide data, but they don't provide cost data. They don't provide actual case notes, they don't provide what's actually happened. They don't provide care management notes. You can't actually see what's happening. So how do you ever design and solve for a situation if you don't have all the data and a very clear picture of what's going on? If you. And it's frustrating for us, right, when we have groups that are in programs like this. Cause your hands are tied. And it's the same thing for employers that we typically see. And the conversation typically comes down and goes something like this, hey, here's the data we have. Here's the track record we've had with this company. Here's the increase that's coming. Here's what we're projecting to come at next renewal based off of your loss ratio. But 60 days out, 90 days out, maybe the carrier's gonna come and say, hey, here's xyz. Oh, by the way, there is some large claims that are happening that are pending right now. And here's the renewal increase you're getting. It's extremely frustrating. And the frustration comes from the visibility. It's a whole different thing if you know, hey, we know exactly what our costs are. We know why we're getting the renewal increase we're getting. We know why our employees are frustrated or why they're happy. And some of these programs run great. We've seen them run great. But at the end of the day, if employers don't know why they're getting either A, a really bad renewal or B, a really good renewal, then there's a problem.