Biometric Screenings: Key to Self-Funded Health Plan Success
The Hidden Key to a Successful Move from Fully Insured to Self-Funded: Biometric Screening Participation
For employers eyeing a transition from fully insured to level- or self-funded health plans, there’s a critical—and often overlooked—first step:
🔍 Know your population.
At On-Site Health Diagnostics (OHD), powered by My Labs Direct, we specialize in delivering actionable biometric screening data that goes far beyond wellness checkboxes. For employers contemplating this financial and structural shift in their benefits strategy, our programs offer real-time insights that drive better decisions and mitigate risk.
Why Population Health Data Is Non-Negotiable for Funding Transitions
When you’re fully insured, your carrier bears the risk. Once you go self-funded, that risk is yours. And without accurate, granular health data, you’re operating blind.
“You can’t manage what you don’t measure. You can’t price what you don’t know.”
🔐 The Risk of Going In Blind
Making the move without 3–5 years of historical health data can result in:
- Underestimated premiums in level-funding models
- Shocks from catastrophic claims you didn’t see coming
- Stop-loss coverage priced too high due to lack of risk stratification
That’s where biometric screenings come in. They’re not just about wellness—they’re clinical, actuarial, and financial tools.
📈 High Participation = High Accuracy = High Control
Here’s how participation impacts risk identification and financial forecasting:
| Participation Rate | High-Cost Claimants Identified | Preventable Claims | Potential Cost Savings |
| 60% | ~30 of 50 | 20 | $250,000–$400,000 |
| 70% | ~38 of 50 | 28 | $350,000–$560,000 |
| 80% | ~45 of 50 | 35–40 | $500,000–$750,000 |
Moving from 60% to 80% participation allows for 90–95% visibility into your true high-cost population — the 5% of members driving nearly 50% of total spend.
🔄 Build the 3–5 Year Risk Model You Need
A smart transition strategy starts 3–5 years before you go self-funded. OHD helps you:
- Establish a baseline of chronic risk across your population.
- Track trends annually through consistent biometric data and lab values.
- Identify outliers and emerging risk before they trigger catastrophic claims.
- Model financial exposure accurately to negotiate appropriate stop-loss or level-funded premiums.
Explore our Guided Smart Care methodology for proactive population health management.
🔬 What Sets OHD Apart: Reflex Testing & Guided Smart Care
Our approach isn’t just about collecting data—it’s about unlocking intelligence.
- Reflex Testing: Automatically performs secondary lab tests (e.g., A1c, TSH) when a screening result flags concern—without requiring a second blood draw.
- Specialist Routing: We identify and route high-risk employees into in-network care pathways for cardiology, nephrology, and endocrinology.
- Smart Care Analytics: Dashboards track metrics over time and stratify populations by clinical risk and projected cost.
This isn’t wellness. This is workforce risk underwriting—and it’s the foundation for funding independence.
For Finance, HR & Brokers: Aligning Clinical Risk with Cost Strategy
Whether you’re a CFO, Benefits Director, or consultant advising the transition, the message is the same:
- Higher biometric screening participation = more accurate actuarial modeling
- More accurate risk data = better stop-loss terms and plan pricing
- Greater visibility = fewer financial surprises when you’re holding the risk
📬 Let’s Build Your Transition Strategy
Before you make the move, build the map. OHD delivers the tools you need to:
- Create a multi-year risk profile
- Identify and manage catastrophic risk
- Gain underwriting leverage with carriers and TPAs
📨 Contact us to discuss a customized pre-transition biometric screening and data strategy.
👉 info@onsitehd.com
📍 610 Coit Rd, Suite 200, Plano, TX 75075
📞 877-366-7483
Ready to start building your risk intelligence engine? Schedule a discovery call.