Disruption Analysis

Disruption Analysis helps clients discover the differences in networks. If a Facility or Doctor matched all networks, there is no “disruption” so it would not be shown in our Summary.

The sample report below was for a client with 180 employees on 3 PPO programs with Aetna in a traditionally self-funded arrangement. They liked the idea of moving to a Third-Party Administrator, however, were scared the networks would not compare. Once the client found the right Third-Party Administrator and Network, switching insurance companies (stop-loss) was never noticed by the employees.

  • Allied/PHCS Network: 88% network overlap
  • Allied/Cigna PPO Network: 95.8% network overlap
  • Cigna Open Access Plus Network: 97.3% network overlap
  • Cigna Local Plus Network (Chicago): 69.7% network overlap
  • Cigna Local Plus Network (Phoenix): 78.26% network overlap


We’re here to help

Navigating the ever-changing world of employee benefits can be difficult, costly and at times, confusing. In a world of complacent brokers with reactive service, it can be down right frustrating. We started ThinkTank to be the antidote for the typical broker. Think of us as your "un-broker." A nimble and motivated group looking out for your best interests, with a full spectrum of benefit consulting services.