A lot of wins, with lots more to go.

We like to celebrate proactive planning and cost saving opportunities. Curious about what that would look like? Look no further.

Smooth Insurance and Life Transitions

Without the right planning, insurance transitions are left to clients to figure out. In some cases, clients could be overpaying or exposed to penalties for missed deadlines.

Personalized Cost Clarity

Wouldn't it be great to understand clients' personalized healthcare costs down to the level of prescription drug costs? Now you can.

Case study showing medication cost estimates

A Trusted, Non-biased Resource

There are great agents out there, but at the end of the day, they make money based on commissions and often don't represent all options. We're different.

Meet the Regan Family

The Regan's youngest son had a chronic condition that required him to access health care frequently, which resulted in extremely high out-of-pocket expenses. The son accessed his insurance through the state Marketplace with his mother - the father was on Medicare - and their advisor in California wanted to see if plans were available that would bring their costs down.

During a HealthPlan Analysis, Caribou identified insurance denials and out-of-network costs. The analysis indicated that adequate network care wasn’t available on the family's current plan and advised to pursue an appeal of the denial of coverage on that basis.

With the support of excellent record keeping by the client, an appeal documenting the lack of in-network care was submitted and the denial was overturned. This resulted in a refund of more than $76,000 to the family.

Meet Susan

A partnered financial advisory firm used Caribou's software with Susan who was approaching Medicare eligibility. Susan retired early and was currently on a retiree health plan. She wants to retain access to the hospital down the street, she has a second home out-of-state, and plans to travel during retirement.

Using Caribou, Susan's advisor was able to generate best suited plan options for Medicare Supplement and Drug coverage based on her preferences.
‍

The advisor had clear outlines of the associated costs and her maximum financial exposure within a given year, strengthening her financial plan.

Susan proactively made an informed decision about her health insurance in a conversation with her financial advisor, who now better understood expected costs for the upcoming year.

Learn more about our tools

Meet Brian

Brian is a working professional. His mother recently fell and broke her leg, requiring surgery and a 6-week stay in a rehab facility. Brian lives in a different state and feels helpless. He doesn’t know where to start researching options for his mother's care, nor does he understand his mother's insurance to know what it covers.

How Caribou's team of Healthcare Advisors assisted:
‍

Clarified the various transitions of care (hospital to rehab and rehab to home).
Cross referenced chosen care with what was covered by his mother’s insurance.
Ensured his mother was receiving regular PT and progressing towards her goals, while checking in with staff regularly.
Arranged for the appropriate equipment delivery to set up the home safely.

Brian was better informed about his options while making decisions, and him and his financial advisor felt confident about the mother's needs and the associated costs.

Want to learn more?