Clarity · Verification · Documentation
Do you know what your U.S. healthcare plan is actually paying?
European companies operating in the United States are responsible for a healthcare system unlike anything they encounter at home. CM International Health Plan Advisory independently examines the contracts, claims, compensation and financial arrangements behind that expenditure.
Where to begin
What We Examine
The financial and fiduciary side of healthcare expenditure.
How We Work
Investigate, verify, document — and nothing sold to you.
Articles
Plain reading on renewals, contracts and fiduciary duty.
Schedule a conversation
A private 20-minute conversation for CEOs, CFOs and plan sponsors.
Choose a time01 — TESTIMONIAL
“Before working with Christine, healthcare was something we largely accepted at face value. She completely changed the way we think about managing our self-funded health plan.”
“Instead of simply renewing every year and hoping for the best, we now understand where costs come from, what questions to ask, and how to challenge the status quo.”
“The results have been significant. We’ve seen firsthand how the right strategy can reduce claim costs by hundreds of thousands of dollars while still providing quality care for our employees.”
“Over the years, Christine has become not only a trusted advisor, but also a friend. She genuinely cares about helping employers make better decisions and isn’t afraid to challenge conventional thinking when it benefits her clients.”
“I would recommend her to any employer who wants to take control of their healthcare spending instead of letting it control them.”
Chris Pauly — VP Finance and Administration, Ventana USA
U.S. sister company of Ventana Deutschland GmbH & Co. KG, Vreden, Germany
02 — Case study
Nine years. $3.89M below benchmark.
A German-owned U.S. employer removed brokers, networks and middlemen — and paid attention to the plan. The result: 37.4% below the weighted national benchmark across nine consecutive years of actual claims data, while the employee deductible stayed at $500.
See the nine-year record$6.49M
Actual all-in cost
$10.38M
National benchmark
37.4%
Below benchmark
$500
Employee deductible, every year
03 — The U.S. environment
A structure built from layers.
A U.S. employer healthcare arrangement is rarely one relationship. It is a chain of carriers, brokers, administrators, pharmacy intermediaries, networks and stop-loss insurers, each with its own contract, fee structure and financial interest.
Commissions, overrides, service fees and negotiated pricing frequently sit several layers away from the parent company that funds them. The result is expenditure that is approved regularly and verified rarely.
This is not a scandal. It is a structure. It simply requires someone independent to read it carefully.
04 — What we examine
The financial and fiduciary side of healthcare expenditure.
- 01Medical claims
- 02Pharmacy expenditures
- 03Stop-loss arrangements
- 04Broker and vendor compensation
- 05Administrative contracts
- 06Provider pricing
- 07Network arrangements
- 08Ancillary benefits
- 09Fiduciary governance
- 10Plan documentation
05 — Questions leadership should be able to answer
Who is being paid from our healthcare expenditure?
How was this claim amount determined?
Who independently verifies our vendor's work?
What portion of our cost actually reaches healthcare providers?
Can we document why this amount was paid?
Would our U.S. healthcare expenditures withstand independent scrutiny?
06 — Our approach
Investigate
Gather the contracts, claims, compensation disclosures, plan documents and financial information.
Verify
Independently determine what the numbers mean and whether costs and payments are supportable.
Document
Give leadership a clear record of findings, exposures, decisions and recommended action.
We have nothing to sell you.
CM International Health Plan Advisory does not sell insurance, earn commissions, accept referral fees, or receive compensation from healthcare vendors. Our client is the company that engaged us. Our job is to establish the facts.
07 — Who we work with
Direct senior-level engagement.
- European parent companies
- U.S. subsidiaries of international companies
- Privately held and family-owned businesses
- Manufacturing and industrial companies
- CFOs, CEOs, owners and boards
08 — Complimentary download
The CEO's Fiduciary Checklist
If your name is on the plan, your name is on the liability. Twenty questions a plan sponsor should be able to document today — compensation disclosures, claims data rights, contracts, compliance and the fiduciary file.