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  • Writer's pictureRandy Gardner

"If you don't know where you are going, you might wind up someplace else!" ...Yogi Berra

Just like Yogi, we all hope we know where we’re headed.

While no one has a crystal ball that assures successful underwriting results, HOWEVER -

there are ways to improve your odds with BeneWize.

Did your 2021 renewals factor in 27% more surgeries in 2021, or

Did you price using the Covid suppressed claims experience?


January 2020

28 surgeries a month, per 1000 members (normal)

March 2020 (Covid-19 Lockdown)

8 surgeries a month, per 1000 members = 75% drop

In mid-March thru July 2020, non-emergent surgeries were all but eliminated, which included nearly a half-million knee and hip replacement procedures.

Yes, thanks to media reporting, many surgery patients were more fearful of Covid-19 than cancer.

November 2020 - Almost Recovered

25 surgeries a month, per 1000 members

January 2021

12 surgeries a month, per 1000 members = 57% drop


Projections based on 10 million member lives

August 2021 –

Covid Recovery Surgeries will exceed "No Covid" Expected Claims for 16 Months

January 2022 –

Covid Recovery Surgeries will:

1. Peak at almost 40 surgeries per month for 1000 members

2. Will stay elevated until January 2023

January 2023 –

Claims Return to Expected Pre-Covid Levels

In light of these expectations, please consider this question –

With 25% REDUCTION in surgeries per year -

You can AVOID the brunt of this wave

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