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Supplemental products give insurers and employers the ability to meet diverse and growing needs—but these products bring their own unique requirements and challenges. Whether you’re offering limited benefit medical, cancer, accident, critical illness or combination life and health products, Milliman has the specialized knowledge and data you need to be successful.
Our consultants are leaders in the supplemental benefits market, specializing in product design, pricing, and innovation. We provide product development and competitive analysis support to both new and existing carriers as they navigate this dynamic market. Our team specializes in a variety of products including critical illness, hospital indemnity, and accident as well as unique products such as travel accident and blanket special risk.
Our consultants offer robust experience analysis and reserving solutions focused on supplemental products. We have supported our clients with detailed experience analysis and morbidity studies for a variety of products. Additionally, our consultants provide statutory and GAAP reserve support including incurred but not reported reserve calculations, active life reserve calculations, year-end asset adequacy testing, and appointed actuary support.
Our compliance consultants specialize in helping our clients find solutions to their compliance questions as well as developing necessary product filing materials. Our team has experience consulting with insurers regarding a variety of product design, market trend, and compliance questions. Our team also monitors legislative and regulatory changes that affect the insurance industry and compiles custom research applicable to compliance concerns.
Milliman provides guidance to clients on voluntary health benefits, which lie outside the typical major medical offering. Some of these benefits include critical illness insurance, accident insurance, disability insurance, and hospital indemnity insurance.
Our report on the supplement market shows the effects of COVID-19: Inforce premium rose only 1.2% to $62 billion in 2020 from 2019, but still a positive sign.
In 2019, Milliman conducted a variety of research projects to provide insight into the state of the U.S. supplemental insurance market.
This report presents the results of Milliman’s 2019 Annual Survey of the U.S. Individual Disability Income Insurance Market.
Small companies in the supplemental health products market need to understand…
This report characterizes the costs to cancer patients and their health plans…
The Medicare Access and CHIP Reauthorization Act of 2015 affects the Medicare…
What are the theoretical actuarial considerations and areas of opportunity in…
This article provides information on adding a Medicare Supplement (MedSupp) to a…
IntelliScript combines industry-leading data and analysis to provide insurers the knowledge, tools, and insight to confidently assess risk.
Discover specialized market research to support your product strategies.
Get a handle on the complexity of estimating healthcare financial risk with the industry's leading actuarial services firm.
Litigate more effectively with expert testimony in trials and regulatory hearings, as well as consultation on settlement alternatives.
Build quality MedSupp solutions and succeed in a growing, yet complex market.
Make the right decisions when it comes time to enter a new market, launch a new product, or change benefits.
Ask the tough questions. We’re ready for them.