A man in a blue suit and a woman in a light blue shirt sit at a desk in a modern office, looking at a laptop screen together.

High-deductible health plans can leave employees with out-of-pocket bills they can’t always afford. RenSecureHealth, our supplemental health solution, helps close that gap. And with our Claims Incidence Analysis, you can use your employer groups’ claims data to show the exact dollar amount RenSecureHealth would have paid out, making the potential savings clear and concrete.

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The Real Gap: Out-of-Pocket Costs for Employees Under HDHPs

Under high-deductible plans, employees can owe thousands before their coverage kicks in, and plenty of households don’t have that cash on hand.

So the question that should be raised at renewal is a simple one: If a member faced a surprise medical bill next week, could they cover their out-of-pocket costs?

For a lot of teams, the honest answer is no. That exposure is the gap Renaissance built RenSecureHealth to address.

A woman with her arm in a sling sits on a sofa, looking worried while reading a bill.

RenSecureHealth Adds Support Without Replacing What Works

This isn’t about replacing the benefits your employer groups already have. Their medical plan and their ancillary benefits can stay exactly as they are.

Renaissance designed RenSecureHealth as a diagnosis-based supplemental health product that fits alongside an employer’s medical and disability coverage, or stands alone. When an employee is diagnosed with a covered condition, they receive a direct cash benefit they can put toward a deductible, copays or anything else.

In practice, RenSecureHealth:

Pays on diagnosis alone, with no accident or hospital stay required

Covers more than 13,000 conditions, from everyday injuries to life-altering diagnoses

Can stand alone or complement existing medical plans and the rest of the ancillary benefits package, instead of competing with it

For a broker, it’s value you can add to the account without unwinding anything you’ve already sold:

  • New business for your book

  • Real data to strengthen your renewal conversations

  • One more reason clients stay with you

The Proof: What RenSecureHealth Would Have Paid One Group

We ran a Claims Incidence Analysis for one employer group to assess their actual filed medical claims over a recent 12-month period. Here’s what we found:

1 in 5

of everyone who filed a medical claim would have qualified (21.11%)

68

payable RSH claims across 38 employees

~$17,500

in sample benefits RenSecureHealth would have paid

On a sample plan paying $200 for a moderate condition, $500 for severe and $1,000 for catastrophic, here’s what that year would have returned:

 

Category Number of Employees with a Qualifying Diagnosis Sample Benefit What Would Have Been Paid
Moderate 25 $200 $5,000
Severe 11 $500 $5,500
Catastrophic 7 $1,000 $7,000
Total 38 unique* $17,500

*Some employees had a qualifying condition in more than one category. This example is for illustrative purposes only. Actual benefits will vary based on plan design and individual claims experience.

Every dollar of that is money that could have gone toward a deductible or an out-of-pocket bill, and didn’t.

Coverage for Everyday Medical, Not Just Emergencies

The biggest share was ordinary, routine care. The 25 employees with conditions in the moderate category had diagnoses like fractures and dislocations, a torn meniscus, kidney stones and knee sprains; the kind of events that send someone to urgent care or an orthopedist and leave them with a bill. This is where RenSecureHealth earns its keep for the most people.

Coverage for the Hardest Days, Too

The analysis also reached more serious conditions: 11 employees in the severe category, with diagnoses like appendicitis, gallbladder stones and benign tumors, and 7 in the catastrophic category, each facing a cancer diagnosis. Same plan, same simple claim, whether the event is a broken wrist or something far more serious.

Benefits Paid When They Matter Most

A benefit that eventually pays out doesn’t help much when the bills are due now.

If approved, RenSecureHealth benefits are generally paid within 72 hours, so the benefits can arrive while employees are still absorbing costs.

Step 1 · Upload

Upload a photo of your paperwork in the app or on your desktop.

Step 2 · File

Answer a few guided questions.

Step 3 · Get Paid

If approved, benefits are often paid within 72 hours.

When Employees Can Get Paid Without Filing

A man with a leg cast and crutches sits on a couch while using a smartphone.

Employees miss benefits they’re entitled to all the time, either because they don’t realize a condition is covered or they never get around to filing a claim.

For employer groups that meet certain requirements and choose to participate, Renaissance can catch some of those cases before the employee does. RenSecureHealth reads the group’s medical claim data and, in some cases, pays the benefit automatically with no claim filed.

That means an employee can get paid for a condition they never thought to claim. For the employer, it’s a benefit that delivers without anyone chasing it.

Frequently Asked Questions

No. Renaissance designed RenSecureHealth to work alongside your medical plan and any ancillary benefits already in place, complementing what you’ve already built. It fills the first-dollar gap those plans often leave, paying benefits straight to the employee when a diagnosis qualifies. Nothing about the current package needs to change.

After a qualifying diagnosis, the employee files a short claim through the app or portal. If approved, benefits are often paid within about 72 hours via direct deposit, check, Venmo or PayPal. The benefit is paid in cash directly to the employee and can be used for deductibles, copays, or everyday expenses.

Renaissance’s RenSecureHealth is diagnosis-based and covers more than 13,000 conditions across three categories, from common moderate events to severe and catastrophic diagnoses. An eligible covered employee may receive a benefit for any covered diagnosis, with no hospitalization or accident required.

Renaissance gives brokers two things: a Claims Incidence Analysis that quantifies what the coverage would have returned to a specific group, and plain-language explanations that make supplemental health easy to present to HR teams and employees who don’t speak insurance. Together they turn a hard-to-explain benefit into a numbers-backed story that holds up in front of a client.

A Claims Incidence Analysis is a Renaissance-specific assessment of an employer group’s actual medical claims data over a recent period that reports what RenSecureHealth would have paid out had it been in place. The value is measured against that group’s real experience rather than a general benchmark, turning RenSecureHealth from a theoretical benefit into a numbers-backed proof story.

Give Your Clients Proof with RenSecureHealth

An employer’s own data makes the strongest case for RenSecureHealth. And with our Claims Incidence Analysis, you can see the value in plain numbers, based on real claims for your clients.

It’s how we help brokers like you prove value beyond price, in a renewal or a competitive RFP. No hypotheticals. No industry averages. Just their people and their claims.

Want to bring that kind of proof to your own client conversations? Let’s talk about what RenSecureHealth can do for your book.

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