White paper
Health vs. Wealth
Despite record-high levels of health coverage, many Americans are struggling with medical debt and the impact is staggering. In our white paper, we explore three key facets of medical debt and how to help spark positive change:
Part One: Defining Medical Debt, Where it Comes From, and Common Sources of Debt
Part Two: Effects of Medical Debt
Part Three: Mitigating Debt with Employee Benefits
Illuminating a Better Path
At Luminare Health, we strive every day to be a shining light in healthcare. Our expertise, solutions, and consultative approach illuminate the path to significant savings and growth for our clients and help their members enjoy their healthiest lives.
Learn More About What We Do
Learn More About What We Do
Low 3-year average trend of just 5.1%*
Trend brings $600K+ in savings**
Consultative mind-set to solve complex healthcare needs
Accurate, timely, and efficient claims processing
* Compared to 6.1% industry benchmark, per PWC medical cost trend. Allowed medical claims for our standard TPA business, excludes Rx claims, fees, and other costs. Benchmarks and Our Medical Trend are not calculated on the same basis. Potential differences include but are not limited to: COVID impacts, inclusion of Rx benefits, fees, and other costs, some benchmarks are based on average expected trend rather than actual claims
**Over 4-year period, based on $5M spend
**Over 4-year period, based on $5M spend