Kincaid IQ:
The Benefits War Room
A product-first transparency engine designed to expose financial leakage, incentive misalignment, and structural blind spots in employer health plans.
Kincaid IQ is built for mid-market and large employers—especially self-funded plans—where leadership needs clear answers on pharmacy, GLP-1, stop-loss volatility, and vendor accountability.
Kincaid IQ ingests claims and plan inputs, normalizes and reconciles the economics, and produces CFO-ready KPIs with an evidence trail behind each number—so decisions aren't based on vendor summaries or guesswork.
What It Does
Converts PBM + GLP-1 spend into a measurable model
Flags leakage and outliers at the drug/category level
Benchmarks vendor economics against defensible references
Quantifies decision levers (controls, plan design, funding strategy)
Produces board-ready reporting with traceable inputs
The War Room
Four critical battlegrounds where plan performance is won or lost.
1) PBM & Pharmacy Transparency
See where margin can hide: spread, MAC list behavior, network differentials, specialty classification, and fee definitions that change outcomes.
2) GLP-1 Strategy & Financial Control
Track GLP-1 exposure, escalation curves, new starts vs maintenance, discontinuation signals, and the cost impact of controls—without creating member chaos.
3) Stop-Loss & Funding Architecture
Model volatility, attachment strategy, renewal defense, and "what if" scenarios so renewal conversations are evidence-based, not emotional.
4) Oversight & Incentive Alignment
Compensation tracing, conflict analysis, reconciliation discipline, and governance-ready evidence packs leadership can act on.
Dashboards show numbers.
Kincaid IQ shows receipts.
Every KPI is tied back to the underlying inputs—claims, contracts, and defined methodologies—so leadership can defend decisions and challenge vendor narratives with confidence.
Clear definitions
(no moving goalposts)
Reconciliation-minded reporting
(totals tie to detail)
Decision levers ranked
(by impact vs friction)
How It Works
Ingest
Pharmacy + eligibility (minimum), then medical/contract/renewal inputs as available
Normalize
Clean, map, reconcile categories
Score
Compute hero KPIs with evidence trails
Act
Deliver a prioritized action path + reporting cadence
Want to see this with your plan data? jer@kincaidRMC.com
Security & Privacy
We use minimum-necessary access, controlled environments, and evidence-based governance. Your plan data is handled like sensitive financial data—because it is.
Frequently Asked Questions
Is this just another dashboard?
No. Kincaid IQ is a decision system: reconciliation + modeling + evidence trails, not just charts.
What data do you need to start?
At minimum: pharmacy claims + eligibility. From there we can add medical claims, PBM contract terms, stop-loss renewals, and plan docs.
How fast can we see value?
You'll see high-signal findings quickly. Full KPI wiring follows once data is normalized and reconciled.
Do you replace our broker/consultant?
Not automatically. We make incentives and economics measurable so you gain leverage and clarity—regardless of who you keep.
What makes results "defensible"?
Clear definitions + traceable inputs + the ability to reconcile totals to underlying detail. That's how finance trusts the story.