Client Success: Coverage Aligned. Costs Rebalanced.

At renewal, a client with a complex medical history faced an unexpected shift. A breast cancer survivor also living with multiple myeloma, she was in remission—but ongoing testing, imaging, and specialist oversight remained essential.

As her policy renewed, the cost of her existing plan increased sharply. Monthly premiums rose by nearly $1,900, adding more than $22,000 in annual expense, without improving coverage for the care she would continue to need.

While the plan still appeared comprehensive on paper, it was no longer well-aligned with her actual utilization or long-term risk profile.

Rather than absorb the increase or make a reactive change, the client engaged Emry Concierge to review her coverage more deliberately.

How We Helped

• Reviewed current and anticipated care needs, including ongoing testing and specialist access

• Evaluated how different plan options would perform under real-world utilization

• Assessed risk exposure related to future monitoring and potential treatment

• Identified an alternative plan that preserved coverage while materially reducing cost

• Supported the transition to ensure continuity of care and provider access

Outcome

• Monthly premium reduced to $2,768

• Annual premium savings of $27,845

• Coverage preserved for ongoing monitoring and specialist care

• A plan selected based on strategy

Insurance decisions don’t just affect renewal season. They shape cost, access, and peace of mind for the entire year. When coverage is aligned with how care is actually used, families avoid unnecessary expense without compromising what matters most.

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Even when everything should be covered, billing errors happen. Emry Concierge makes sure they don’t become your burden.  Let’s talk.