MontreutOS
Intelligence built into the work.
MontreutOS connects client information, market data, AI, and workflow across everything Montreut does. Clients do not buy it. It is how Montreut works.
A year on MontreutOS
What the system does and what your advisor does, phase by phase, for a plan year that starts in January. Hover a phase to hold it.
January. Plan year begins.
MontreutOS
Reconciles enrollment against the first carrier bill and flags every discrepancy. Loads the new contracts, summaries of benefits, and plan documents so answers come from the current plan.
Your advisor
Runs the kickoff with HR and finance and sets the calendar for the year.
February to April. Claims baseline.
MontreutOS
Pulls monthly claims and pharmacy data, builds the baseline, and flags large claimants and specialty and GLP-1 trends. Audits each invoice against enrollment.
Your advisor
First-quarter review with finance: what the claims say and what to do about it.
May to June. Compliance.
MontreutOS
Prepares Form 5500, the ACA reporting checks, the RxDC submission, and the gag clause attestation, with the data pulled from the account.
Your advisor
Reviews, signs off, and files on time.
July to August. Pre-renewal, 150 days out.
MontreutOS
Projects the renewal from twelve months of claims and the national trend. Models level-funded and self-funded alternatives, including the stop-loss attachment point.
Your advisor
Strategy meeting: what to take to market, and what we would accept from the incumbent.
September to October. Market.
MontreutOS
Sends the census to every carrier and stop-loss market, checks every quote for matching benefits, and reads the renewal letter line by line.
Your advisor
Negotiates, counters, and presents the options to the finance committee with the worst case shown.
November to December. Enrollment.
MontreutOS
Runs open enrollment, sends elections to carriers and payroll, tracks ID cards, and distributes the summaries of benefits.
Your advisor
Employee meetings and the final sign-off.
All year
Member and HR questions are answered immediately, and anything sensitive goes to a person. Invoices are audited every month. Contracts and amendments are read as they arrive.
An employer generates thousands of signals
Benefits data describes the workforce. Claims show where risk became real. Healthcare data shows where cost is developing. Contracts and quotes show what the market will do. In most firms those signals live in different systems and different departments. MontreutOS connects them, so advice is based on the whole picture.
How the work moves
From the first look at a census to what we learn after the year is done.
- AnalyzeClient, market, and claims information are organized into one clear picture.
- RecommendAlternatives, assumptions, and points to push back on are surfaced for the advisor.
- ExecuteQuoting, enrollment, documents, and routine answers are handled quickly.
- MeasureWhat happened is tracked through the year.
- LearnOutcomes feed the next recommendation.
What it does
Quoting
Census to a full-market quote, including stop-loss, in hours.
Documents
Every contract, summary of benefits, and renewal read and checked.
Service
Member and HR questions answered immediately. Anything sensitive goes to a person.
Monitoring
Claims and benchmark data tracked through the year, so the renewal is not a surprise.
Built in-house for this business. Client data is never used to train models, and a business associate agreement is in place before any health information is shared.
Answers for your people
Employees should not need to know which carrier to call or which portal to open. They ask, and MontreutOS answers or hands it to a person.
- 9:14Member: Is Northside Dermatology in network for me?Answered in 11 seconds. Yes, in network on the Choice Plus plan. $40 specialist copay.
- 9:31HR: We hired six people on Monday. Can you get them enrolled?Done in 4 minutes. Six enrollments submitted, ID cards in 3 to 5 days, deductions sent to payroll.
- 10:02Member: I got a $9,400 bill from an anesthesiologist for my surgery in May.Sent to an advocate. This looks like an out-of-network bill covered by the No Surprises Act. A person is handling it.
- 10:40Finance: What did we spend on GLP-1s last quarter?Answered in 20 seconds. $61,200 across 18 members, up 22% on the prior quarter.
AI-native, human accountable
MontreutOS takes over the searching, organizing, comparing, documenting, and monitoring that used to consume an advisor's day. The time goes back to the work only a person can do.
Less time on
- Searching
- Organizing
- Comparing
- Documenting
- Monitoring
More time on
- Understanding
- Analyzing
- Advising
- Negotiating
- Executing
Technology informs the work. Our people own the outcome.
See it on an account
Work a renewal from your own numbers.
The live model on the home page works a renewal review and a market comparison from three inputs. An advisor still makes the judgment calls.