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INSURANCE

ASSOCIATIONS

HEALTHCARE

Insurance

Underwriting Selling Consulting Products

Insurance

Insurance is evolving fast—and so are the expectations of carriers, brokers, MGUs, and underwriters.

At Empowered Margins, we bring over a decade of experience solving workflow and data challenges across the insurance value chain. Our dual offering combines cutting-edge product solutions with expert consulting to help you transform how insurance gets done.

Smarter Insurance Starts with DataHub

DataHub is our proprietary underwriting automation platform that enables carriers and MGUs to:

  ⦁ Extract census data in seconds with SmartExtractor™
  ⦁ Automate pricing logic via SmartRules Engine™
  ⦁ Compare plan options easily with SmartPlan™ Comparison
  ⦁ Generate proposals instantly with SmartProposal™ Generator
  ⦁ Simplified enrollment auditing and data accuracy with SmartAudit™
  ⦁ Get concise underwriting summaries with AI UW Assistant

Whether you’re quoting 10 or 10,000 groups, DataHub helps your team move faster, work smarter, and close more deals—without the spreadsheet overload.

Strategic Consulting & Engineering Expertise

Beyond product, we provide hands-on consulting and engineering services that unlock operational efficiency for:

  ⦁ PEOs, MEWAs, and level-funded groups
  ⦁ ICHRAs and small group health (fully or self-insured)
  ⦁ Medicare Advantage and supplemental lines
  ⦁ Ancillary benefits and voluntary products

From front-end workflows to back-end logic, we build and implement systems that align with your underwriting, compliance, and distribution goals.

Empower Your Insurance Teams
Partnering with Empowered Margins means equipping your underwriters, brokers, and sales teams with the right tools and strategies to thrive in a competitive market.

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Start your journey to underwriting excellence and growth—with Empowered Margins.

Association

Membership Advocacy Engagement Services

Association

Associations are undergoing significant transformations. Your organization encounters multifaceted challenges in managing membership data and enhancing member engagement. We are a team of seasoned professionals with over a decade of experience in addressing data and operational challenges specific to the association industry.

Practical Membership Solutions

Streamline your membership management and advocacy efforts with our ready-to-implement solutions and integrations, custom-crafted for associations, ensuring enhanced member engagement, outreach, and retention.

Expert Consulting Services

Leverage our deep expertise in association domains such as advocacy, event management, and member services, ensuring your projects benefit from specialized insights and strategies.

Collaborating with us means empowering your association with the tools and strategies needed for success in today’s dynamic landscape.

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And embark on a journey towards increased efficiency and growth with Empowered Margins.

Healthcare

Care Management Analytics Product Development

Healthcare

Healthcare is at a critical crossroads. Healthcare providers and organizations are contending with a rapidly evolving landscape, marked by increasing demands for quality patient care, stringent regulatory compliance, and the adoption of advanced technology.

Healthcare Sector: Transforming Challenges into Opportunities

The landscape of healthcare, particularly within Home and Community-Based Services (HCBS), is increasingly complex. Providers grapple with a myriad of challenges: from ensuring quality care and compliance with ever-evolving regulations to managing the intricacies of Medicaid billing and adapting to new technologies like Electronic Visit Verification (EVV).

At the heart of these challenges is the unwavering commitment to patient care and satisfaction.

Empowering Solutions for Real-world Problems

Navigating Compliance and Care Quality with Ease: We understand the pressures of adhering to state and federal regulations while striving to deliver exceptional care. Our care management solutions are crafted not just to meet these regulations, effortlessly integrating with EVV systems, but to enhance the quality of care you provide, ensuring that your focus remains on the patient, not the paperwork.

Streamlining Medicaid Billing and EHR Integration: The complexities of Medicaid billing and the need for seamless interaction with EHR systems like Therap and Frisco can be daunting. Our expertise lies in simplifying these processes, offering solutions that not only ease billing and ensure accuracy but also enhance the interoperability between various healthcare systems. This means less time on administration and more on patient engagement and care.

Expert Guidance Tailored to Your Needs: Each healthcare provider’s journey is unique, and the path to integrating technology with care delivery can seem filled with hurdles. Our consulting services are designed to understand your specific challenges, providing personalized strategies that align technology with your care delivery goals. Whether it’s optimizing existing systems or adopting new technologies, we’re here to facilitate a smoother journey.

Your Partner in Healthcare Innovation

At Empowered Margins, we’re more than just a technology provider; we’re your partner in redefining healthcare delivery. By focusing on your challenges, we develop solutions that are not only innovative but empathetic to the needs of your staff, patients, and community. Together, we can transform the complexities of healthcare into opportunities for growth, efficiency, and enhanced patient care.

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To see how we can tailor our expertise to empower your organization. Let’s build a future where technology and care converge to create outstanding outcomes for those you serve.

What People Say

Shari Rager

“It has been a pleasure working with the Empowered Margins team. After speaking to a few providers about a needed integration, we were beginning to have doubts that our need could be met. But the team at Empowered Margins had confidence.
They knew our database, they knew about integrations, and they knew their expertise.... valued partner for any potential future needs.”

Shari Rager

Deputy Director

American Medical Writers Association

Jason

“You and your team have been wonderful to work with. Thank you serving BCBSNE well; I truly have valued the work you do for us and the clear sense of partnership that you have.

All the best to you, too.”

Jason W Oswald

Director of Underwriting

BCBSNE

Tim

“Frisco allowed us to replace our old tracking spreadsheet. We were forever updating it, but now we’ve shifted a whopping 50% of the time our caseworkers spend on paperwork to time they now spend with participants.”

Tim Maxwell

CEO

Karuna Care Services

Alex

“I’ve seen how you guys work, and we wanted that to continue. We know you and like how you work and want to do more.”

Alex Siu

Director of Finance and Administration

National Fire Sprinkler Association (NFSA)

Sara

“The very next demo had everything we wanted, so we were pleased. Also, the designer and team were very responsive, a lot more than other software companies we’ve worked with, and we appreciated that.”

Sara Wilkinson

Manager, Nonprofit Operations

MCI Global

Marc Snyder

“I am writing today to express my enthusiastic and unqualified support for Empowered Margins, led by Sumeet Gulati….They have an excellent track record, and they will work diligently to create the best product possible. I have known Sumeet Gulati and his team at Empowered Margins for years. They run an innovative data management firm that has been a presence in Colorado Springs and globally for a long time. The team at Empowered Margins are the type of folks you want to work with because they care passionately about their client’s goals and staging them for success.”

Marc Snyder

State Representative

House District 18

Kristin Smock

“Frisco has solved countless problems for Megan’s Place! We used to be overwhelmed with paperwork, compliance, filing, and endless details that consumed much of our time and pulled us away from helping our clients. We are in this business to help people… not process mountains of paperwork!...Thank you Frisco!”

Kristin Smock

Director of Operations

Megan’s Place

Ron Cornwell

“Empowered Margins delivers the analysis we need in customized solutions that we wouldn’t think about otherwise. They go the extra mile by collaborating to design a solution, bring technology at a higher level and rate an easy 10 out of 10 — a tech partner, not just a tech vendor.”

Ron Cornwell

Principal

Milliman

Joe Plasterer

“The EM team took care of everything. It was a very straight-forward experience that worked straight off the bat. [Empowered Margins] gives us an advantage in the market.”

Joe Plasterer

Principal

Starkweather Association Services

Joanna Leon

“Empowered Margins did an amazing job that we had at least 4 registrations in the first hour our press release was sent. We could not have done this without your assistance. Thank you for being such a wonderful YM partner and helping us work around the restraints.”

Joanna Leon

Membership & Chapter Relations Manager

Warehousing Education and Research Council (WERC)

Joel McDowell

“I can’t begin to thank you guys enough for the hard work you all have put in for GuideStone over the years. You all have exceeded expectations time after time in providing valuable solutions to my team. I am especially grateful for your ability to provide us with exactly what we need as opposed to exactly what we ask for, because sometimes those are very different things! I look forward to finding ways to work with Empowered Margins, and in particular you three, in the future!“

Joel McDowell

Manager Group Underwriting

GuideStone Financial Services.

Bea Walter

“Thank you for the great work! I felt your customer centricity and care the whole time. Everybody was very helpful and reliable – working with you was a great experience!”

Bea Walter

Customer Experience Manager

TUI Group