The Crumdale
Partners
Family
Of Companies
Unbundled Or
Integrated
Our Family of Companies
(Click one of our logos to see more information)
Transformation Rx
HR Support for improved health benefit navigation, education and utilization
Proprietary Data Analytics | Proactive, Team-Centered Approach | Technology-Enabled Tools
Problem
- 12 million patients receive an incorrect diagnosis every year.
- 50% of patients receive incorrect treatment in their lifetime.
- Medical errors are the 3rd leading cause of death.
Solution
- Concierge member services help provide employees with a second opinion.
- Help finding high performing physicians helps alleviate incorrect treatment issues.
- Data back, customized physician pairing.
A customizable approach to self-funded plan components
Broker Empowerment | Aligned Interests for Vendor, Broker & Employer Group | Best-in Class Vendor Contracts
Problem
- Difficult for small groups to access actuarial support.
- Complexity of compliance reporting requirements.
- Small buyers lack knowledge and leverage.
Solution
- Fortune 500 actuarial services accessed by small- and mid-market groups.
- Specialized software and services for precise plan compliance.
- Consortium aggregation provides serious leverage.
Transformation Rx
A vendor-agnostic pharmacy consulting & group-purchasing coalition
Expert PBM Consulting | Predictive Analytics | Prescription Management
Problem
- PBM contracts are extremely complex, difficult to understand, and provide no transparency.
- Prescription Drug benefits are the fastest growing component in healthcare.
- Difficult to negotiate PBM contract terms.
Solution
- Market-leading contract terms, conditions, and guarantees.
- Focused clinical solutions and innovative cost containment to bend the cost curve.
- Deep industry knowledge of PBM negotiations.
A small-group consortium serving small business health plan clients
Group Health Plan Solutions for Brokers | Turnekey Benefits & Rx Administration | Stable, Self-Funding for Employers of 25+
Problem
- Brokers compete on price due to lack of options in small and mid-market.
- Misaligned interests cause premiums to increase significantly YoY.
- Misconception that “rates are rates.”
Solution
- Differentiate yourself with a program none of your competitors can access.
- Aligned interests allow you to deliver significant cost containment and risk mitigation.
- Proactively manage your clients’ health plan.
A unique approach to medical stop-loss underwriting
Integrated risk placement | Deep knowledge of healthcare claims | Creative risk transfer strategies
Problem
- Inflexible financing options for small and mid-market employers.
- Increase in frequency & severity of catastrophic claims.
- Disconnect between Stop Loss and Claims Payer.
Solution
- Innovative financing options for the small and mid-market.
- Focus on Risk Management to reduce claims frequency & severity.
- Strong collaboration with Claims Payer.
Middle Market Insurance and Benefits Services
25+ Years Experience | Expertise in Brokerage, Consulting, Risk Management, and Alternative Risk Financing
Problem
- Most brokers shop insurance, but do not provide customized risk management solutions.
- Large brokerages serve their shareholders, not their clients’ stakeholders.
- Public Entities bound by CBAs.
Solution
- Full suite of cost containment programs and risk management services.
- Private ownership allows us to align with our clients’ unique needs.
- Full suite of CBA compliant programs.
Unbundled, Independent, Aligned, Health Insurance Consulting
Unbundled Health Plan Experts | Independent and Vendor Agnostic | Aligned with Client Goals
Problem
- Exponential growth in cost of health insurance.
- Zero transparency.
- Lack of insurance company accountability.
- Abundant misaligned incentives.
Solution
- Unrelenting cost containment programs.
- Full transparency and control.
- Data analytics to drive accountability.
- Alignment with clients’ unique goals.
Tools, Skills, and Software for Stop-Loss, Compliance, and Analysis
Consultative Approach | Risk Transfer Strategies | Solutions Oriented
Problem
- Difficult for small groups to access actuarial support.
- Complexity of compliance reporting requirements.
- Small buyers lack knowledge and leverage.
Solution
- Fortune 500 actuarial services accessed by small and mid-market groups.
- Specialized software and services for precise plan compliance.
- Consortium aggregation provides serious leverage.
A customizable approach to self-funded plan components
Broker Empowerment | Aligned Interests for Vendor, Broker & Employer Group | Best-in Class Vendor Contracts
Problem
- Most brokers offer clients one of the same five health insurance options.
- Employee benefits double in cost about every 7 years.
- Misaligned incentives have stalled innovation.
Solution
- Access to high performing health plans, custom tailored to an employer’s unique needs.
- Outperform the competition YoY with a full suite of cost containment programs.
- Deliver transparency, savings, and insight.
HR Support for improved health benefit navigation, education and utilization
Proprietary Data Analytics | Proactive, Team-Centered Approach | Technology-Enabled Tools
Problem
- 12 million patients receive an incorrect diagnosis every year.
- 50% of patients receive incorrect treatment in their lifetime.
- Medical errors are the 3rd leading cause of death.
Solution
- Concierge member services help provide employees with a second opinion.
- Help finding high performing physicians helps alleviate incorrect treatment issues.
- Data back, customized physician pairing.
A vendor-agnostic pharmacy consulting & group-purchasing coalition
Expert PBM Consulting | Predictive Analytics | Prescription Management
Problem
- PBM contracts are extremely complex, difficult to understand, and provide no transparency.
- Prescription Drug benefits are the fastest growing component in healthcare.
- Difficult to negotiate PBM contract terms.
Solution
- Market-leading contract terms, conditions, and guarantees.
- Focused clinical solutions and innovative cost containment to bend the cost curve.
- Deep industry knowledge of PBM negotiations.
A unique approach to medical stop-loss underwriting
Integrated risk placement | Deep knowledge of healthcare claims | Creative risk transfer strategies
Problem
- Inflexible financing options for small and mid-market employers.
- Increase in frequency & severity of catastrophic claims.
- Disconnect between Stop Loss and Claims Payer.
Solution
- Innovative financing options for the small and mid-market.
- Focus on Risk Management to reduce claims frequency & severity.
- Strong collaboration with Claims Payer.
A small-group consortium serving small business health plan clients
Group Health Plan Solutions for Brokers | Turnkey Benefits & Rx Administration | Stable, Self-Funding for Employers of 25+
Problem
- Brokers compete on price due to lack of options in small and mid-market.
- Misaligned interests cause premiums to increase significantly YoY.
- Misconception that “rates are rates.”
Solution
- Differentiate yourself with a program none of your competitors can access.
- Aligned interests allow you to deliver significant cost containment and risk mitigation.
- Proactively manage your clients’ health plan.
Middle Market Insurance and Benefits Services
25+ Years Experience | Expertise in Brokerage, Consulting, Risk Management, and Alternative Risk Financing
Problem
- Most brokers shop insurance, but do not provide customized risk management solutions.
- Large brokerages serve their shareholders, not their clients’ stakeholders.
- Public Entities bound by CBAs.
Solution
- Full suite of cost containment programs and risk management services.
- Private ownership allows us to align with our clients’ unique needs.
- Full suite of CBA compliant programs.
Unbundled, Independent, Aligned, Health Insurance Consulting
Unbundled Health Plan Experts | Independent and Vendor Agnostic | Aligned with Client Goals
Problem
- Exponential growth in cost of health insurance.
- Zero transparency.
- Lack of insurance company accountability.
- Abundant misaligned incentives.
Solution
- Unrelenting cost containment programs.
- Full transparency and control.
- Data analytics to drive accountability.
- Alignment with clients’ unique goals.
Tools, Skills, and Software for Stop-Loss, Compliance, and Analysis
Consultative Approach | Risk Transfer Strategies | Solutions Oriented
Problem
- Difficult for small groups to access actuarial support.
- Complexity of compliance reporting requirements.
- Small buyers lack knowledge and leverage.
Solution
- Fortune 500 actuarial services accessed by small- and mid-market groups.
- Specialized software and services for precise plan compliance.
- Consortium aggregation provides serious leverage.
THE CRUMDALE PARTNERS MODEL
We create a culture that builds long-term, value-based vendor, broker and carrier relationships to sharpen our client’s competitive edge and solve real market problems through unbundled and integrated industry-leading resources including:
In addition to our organic growth strategy, we also actively pursue acquisitions and other strategic partnerships across a broad range of insurance related products, services and solutions to strengthen and diversify our capabilities.
- Innovative products, solutions and approaches
- Creative risk management & cost containment strategies
- Unique alternative risk financing
- Superior vendor and carrier relationships
- Local market knowledge
In addition to our organic growth strategy, we also actively pursue acquisitions and other strategic partnerships across a broad range of insurance related products, services and solutions to strengthen and diversify our capabilities.
- Innovative products, solutions and approaches
- Creative risk management & cost containment strategies
- Unique alternative risk financing
- Superior vendor and carrier relationships
- Local market knowledge
THE CHALLENGES WE
SOLVE
A NEW INSURANCE ECOSYSTEM
WE’RE FIXING:
Unfavorable contract terms and conditions
Unneccesary costs
Unequal bargaining power