Preisser Solutions · for Freedom Claims Management
01
Preisser SolutionsPreisser Solutions × Freedom Claims Management

What we could build together.

A walkthrough of the platforms and automations we would build with Freedom Claims: new revenue for your hospitals, and engines that take the paperwork off your team.

Prepared for Hadley Gillum · November 2026 · Concept walkthrough
Hospital membershipWho earns whatCensus to proposalRisk intelligenceEnrollmentClaimsStop-lossHRA administrationEmployer reporting
01 · Hospital membershipConcept

Give every hospital a membership program.

A QR code in the lobby. A neighbor scans it, joins in under a minute with Apple Pay, and their member card lands in their Wallet. We build and run the platform. The hospital owns the relationship.

  • Scan, join and pay in under a minute
  • Kansas membership agreement signed in-app (K.S.A. 65-4978)
  • The hospital sees every member and every dollar, live
Concept A QR at the front desk. A member in under a minute.
Prairie Valley Hospital
Join Prairie Valley Hospital Membership
Scan to join
Unlimited primary care · from $79/mo
9:41
Prairie Valley Hospital
Join Prairie Valley Hospital Membership
Scan to join
membership.prairievalleyhealth
SLO-MOVIDEOPHOTOPORTRAIT
Membership
Prairie Valley Hospital · Great Bend
IndividualFamily
What’s included
Primary care visitsUnlimited
TelehealthSame day
Labs & imagingMember price
Monthly$79.00$200.00
Membership agreement under K.S.A. 65-4978. HSA and FSA eligible. Cancel anytime.
Subscribe with Pay
Pay
Visa Debit•••• 4821
Family Membership$200.00 monthly · starts today
Pay Prairie Valley
Hospital$200.00
Pay with Face ID
Face ID
Done
Cancel AddAdded
Prairie Valley StatusActive
PlanFamily
MemberJordan EllisMember IDPVH-0012847
SinceNov 2026Primary careUnlimitedRenewsDec 4
PVH-0012847
Show at check-in. Updates automatically.
membership.prairievalleyhealth/admin
MembershipPrairie Valley Hospital · Great Bend, KS
Live
Members
1,284
+48 this week
Monthly revenue
$187,400
Recurring monthly
Via lobby QR
32
This week
Renewals
96%
Members by county
HospitalMemberNew
Jordan E. · new
JEJordan Ellis · FamilyJoined at lobby QR · now+$200/mo
11Scans the QRLobby sign
22Picks a planFamily
33Apple PayFace ID
44Wallet passMember card
55Hospital sees itLive dashboard
02 · Who earns whatConcept

Every member pays everyone.

Each member pays the hospital every month. A flat platform fee per member is split between Freedom Claims and Preisser Solutions. The hospital keeps the rest.

  • The hospital: recurring revenue and loyal patients
  • Freedom Claims: a share of every member, every month
  • Preisser Solutions: runs, secures and insures the platform

Hospital membership program · who makes money

Concept

Each member pays the hospital $79 a month. $5 goes to Freedom Claims, $5 to Preisser Solutions, and the hospital keeps $69.

One member's $79 payment, every monthwhere every dollar goes

The hospital

per member, per month$69
per year at 1,500 members$1,242,000

Delivers the care and owns the member relationship

Freedom Claims

per member, per month$5
per year at 1,500 members$90,000

Brings the hospitals and runs the program with them

Preisser Solutions

per member, per month$5
per year at 1,500 members$90,000

Builds and runs the platform: hosting, security, bot & spam protection, data insurance, support

1,500
10010,000
$79
$25$300
Platform fee $10 / member / month, split $5 / $5
Illustrative — terms to be agreed
03 · SalesConcept

Drop in a company. Get its health plans.

Drop in an employer's details and census, however messy. Out comes a stunning, fully branded proposal with plan options, rates and the savings case, in about a minute.

  • Any census, any format
  • Plan options with rates by tier
  • Your brand, reimagined (concept shown)
Concept Company and census in. A board-ready proposal out.
Elapsed0:58
New quote requestEmployer intake · received today
Barton County, Kansas
212 enrolled
Jan 1, 2027
Fully insured
$3.67M / yr
Carrier renewal$4.18M / yr if they sign
+14%
Drop the employee census here
XBartonCo_census_FINAL (2).xlsx · from county HR
ABCDE
1EmployeeBirth dateSexZIPCoverage
2Employee 0013/4/811981-03-04M67530EE
3Employee 0141975-11-22femaleF67530familyFAM
4Employee 0271988-07-09F675367530Emp+SpouseES
5Employee 0271988-07-09F67530ES
6Employee 03312-1-19691969-12-01M67544EC
7Employee 0481992-02-14MaleM67526EE+KidsEC
8Employee 0521984-06-30F67567EE
212 employees · 4 tiers · 11 fixes · 1 duplicate removed
Freedom Claims
PLAN YEAR 2027
Prepared for the County Commission

Barton County

2027 Employee Health Plan Options

212 employees3 plan optionsSelf-funded + stop-loss
Concept · illustrative numbers
Freedom ClaimsPage 2
Three plans, priced for your 212
Prairie PPO 1000Recommended
$3.61Memployer / yr
Ded. $1,000 · OOP $4,500 · Visit $30
Employee$1,026
+ Spouse$2,052
+ Kids$1,847
Family$2,924
Plains HSA 3000Lowest cost · HSA
$3.18Memployer / yr
Ded. $3,000 · OOP $6,000 · Visit after ded.
Employee$903
+ Spouse$1,806
+ Kids$1,625
Family$2,574
Heartland Copay 500Richest benefits
$3.96Memployer / yr
Ded. $500 · OOP $3,500 · Visit $20
Employee$1,125
+ Spouse$2,250
+ Kids$2,025
Family$3,206
Freedom ClaimsPage 3
Savings vs. renewal
$570K

13.6% less than the carrier's +14% renewal, on Prairie PPO 1000.

Carrier renewal$4.18M
Heartland Copay 500$3.96M
Prairie PPO 1000$3.61M
Plains HSA 3000$3.18M
Today $3.67M
Kansas stop-loss check passed$85K specific · 120% aggregate
Barton CountyConcept
  1. 1ReceivesCompany + census
  2. 2Reads212 employees
  3. 3ChecksCleans · KS rules
  4. 4Sends back / FilesAsks HR for 1 gap
  5. 5ConfirmsProposal ready
04 · Risk intelligenceConcept

Know every group's risk before you take it on.

When a group comes over, the engine reads its whole history and hands your team a 30-second underwriting pre-read: trend, high-cost claimants, data gaps, and the stop-loss structure to quote.

  • Built on the submission-intake engine we already run in insurance
  • High-cost claimants and laser candidates surfaced
  • Plan-document and stop-loss gaps caught before day one
Group takeover · risk intelligenceConcept · fictional data
PBPrairie Benefit Administrators8:14 AM
To: Freedom Claims Underwriting
Sunflower USD 499 takeover files
Attached: 3 years of claims, eligibility, the plan document, stop-loss contract and large-claim report.
  • XLSX
    claims_history_2023-26.xlsx
    18.7 MB36 months · 41,382 claims
  • CSV
    eligibility_census.csv
    412 KB512 employees · 1,146 lives
  • PDF
    plan_document.pdf
    3.4 MB88 pages · 214 provisions
  • PDF
    stop-loss_contract.pdf
    1.2 MB$60K specific · 12/12
  • PDF
    large_claim_report.pdf
    640 KB4 claimants over $50K
Step 4 · Sent back
To: Prairie Benefit Administrators
Missing claims: Mar & Apr 2024

Your claims file has no paid claims for these two months. Please send both so the experience is complete.

30-second underwriting pre-read
Sunflower USD 499 · 1,146 covered lives · takeover, effective 7/1/2026
AnalyzingReady in 28 sec
Claims by policy month · data qualityclaims_history_2023-26.xlsx
2 months missing
Jul 2023Jul 2024Jul 2025Jun 2026
Mature 24 mo Developing 9 Immature 3 Data hole 2 A missing month is not a clean month.
Claims vs expected
107%of expected
$548 vs $512 PMPM expected
Credibility-weighted $535 · 70%
3-year trend
+7.9%per year
PY24 $471PY25 $509PY26 $548
Risk score
/ 100
Moderate-high
High-cost claimants · 4 > $50K$75K specific
Claimant 1$318K
Claimant 3$286K
Claimant 2$142K
Claimant 4$64K
Claimant 3 ongoing oncology → laser candidate
Claims lag · IBNRmonths to pay →
$531K
IBNR: care already given, not yet billed
Paid so far: Jun 55%, May 78%, Apr 90%
Plan document vs stop-loss contract · 2 gapsuninsured if they happen
!Bariatric surgery: stop-loss excludes it; the plan covers it.Plan p.41 · Contract §4.2
!Transplants: plan pays at any facility; stop-loss only at a Center of Excellence.Plan p.47 · Contract §6.1
Step 5 · RecommendationDraft for the underwriter · every figure links to its source
Specific deductible$75K Aggregate attachment125% Contract12/15 Laser recommendedClaimant 3
  1. 1Receives5 files, old admin
  2. 2ReadsClaims by month
  3. 3ChecksTrend, HCCs, gaps
  4. 4Sends back / FilesAsks for 2 missing months
  5. 5ConfirmsPre-read to underwriter
05 · EnrollmentConcept

Paperwork that finishes itself.

An enrollment form arrives. The engine reads it and checks it against the plan. Perfect? It's in the system and everyone gets a confirmation. Wrong or conflicting? It goes straight back with exactly what to fix.

  • Received, read and checked automatically
  • Sent back with plain-English fixes
  • Filed and confirmed, with no chasing by your staff
FC Enrollment inbox AI at work Concept 7/7 Confirms

Inboxenroll@freedomclaims.example

Prairie Valley Hospital9:20 AM

New hire: Luis Ortega

Reading Perfectfiling now Filed · confirmed

Perfect first read · 38 sec

Sunflower USD 499 HR9:12 AM10:41 AM

Change form: Evan WhitfieldRe: Change form: Evan Whitfield

New Reading 2 problems Sent back Fix came in Filing Filed · confirmed

Barton County8:47 AM

Address change: K. Baines

Filed · confirmed

Cedar Bluff Co-op8:31 AM

Ending coverage: R. Unruh

Filed · confirmed

Today: 3 in · 2 filed Today: 4 in · 2 filed · 2 reading Today: 4 in · 3 filed · 1 with HR Today: 4 in · 4 filed · 0 retyped

Change form: Evan Whitfield (add spouse and child)

Eligibility system · Sunflower USD 499

Confirmations sent

Just in Reading the form 2 problems Waiting on HR Re-checked Updated 10:41 AM Filed
DP

Dana Pruitt <benefits@usd499.example>

To: enroll@freedomclaims.example

Wed 9:12 AM

Hi team,

Attached is Evan Whitfield's change form. Evan got married and is adding his spouse, Jamie, and his stepdaughter, Riley, to his medical plan.

Thanks,
Dana Pruitt · HR Benefits, Sunflower USD 499

Whitfield_change_form.pdfScanned · 1 page · 412 KB
DP Dana PruittAttached is Evan Whitfield's change form. 9:12 AM
FC

Freedom Claims Enrollment <enroll@freedomclaims.example>

To: Dana Pruitt

WritingSent 9:13 AM

Hi Dana, thanks for Evan's form. Two things before we can add Jamie and Riley:

  1. 1Jamie's date of birth is blank in the dependents section.
  2. 2The marriage was Sep 18, 47 days ago. The plan allows 30 days, so we need your OK to accept a late add.

Send both in one step:

Upload securelyOne-time secure link for this form · expires in 7 days

Written from the formChecked against the plan rules

FC Freedom Claims EnrollmentTwo things before we can add Jamie and Riley. 9:13 AM
DP

Dana Pruitt <benefits@usd499.example>

To: enroll@freedomclaims.example

10:41 AM

Corrected form attached, Jamie's birthday is 06/11/1990. I approve the late add for Evan; the district allows HR exceptions for a marriage.

Whitfield_change_form_v2.pdf1 page
Late_add_approval.pdfSigned by HR

Read and checked again

Spouse DOB 06/11/1990HR approval on fileAll 6 checks pass
FAX 11/02/2026 4:51PMUSD499 HRP.1/1
SUNFLOWER USD 499
BENEFITS ENROLLMENT / CHANGE FORM
Employee Health Plan · Group 0499 · Administered by Freedom Claims
499
A · Employee
Name (first, last)Evan Whitfield1
Employee ID44817
B · Reason for change
MarriageBirth / adoptionLoss of coverageDivorce
Event date09/18/2026347 days ago
C · Medical coverage
Employee onlyEmp + SpouseFamily2
D · Dependents to add
RelationNameDate of birth
SpouseJamie WhitfieldMissing4
ChildRiley Whitfield04/02/20195
Employee signature · Date 11/02/2026
7
Coverage to start12/01/20266
Return to HR Benefits within 30 days of the eventForm EB-2 rev. 2025

Whitfield_change_form.pdfReading the handwritingChecking the plan rules

What it readWhitfield_change_form.pdf

1EmployeeEvan Whitfield · ID 44817
2ChangeEmployee only → Family
3ReasonMarriage on Sep 18, 2026
4SpouseJamie Whitfield · birth date blank
5ChildRiley Whitfield · Apr 2, 2019
6StartsDec 1, 2026
7SignedEvan Whitfield · Nov 2, 2026

Every field as written, handwriting included. Nobody typed it in.

Checked against the plan

Evan is active and eligibleOn the district's payroll roster
Family tier is offeredPlan year 2026
Riley qualifies as a childUnder 26
Signed and datedBy the employee, Nov 2
Spouse date of birth missingNeeded to add Jamie to the plan
Marriage was 47 days agoPlan window is 30 days: needs HR approval

VerdictSend back · 2 items

EW

Evan Whitfield

Member FCM-0499-44817 · Sunflower USD 499

Record updated
CoverageEmployee onlyFamily Members
Evan Whitfieldemployee
ADDEDJamie Whitfieldspouse · 06/11/1990
ADDEDRiley Whitfieldchild · 04/02/2019
StartsDec 1, 2026 Late addApproved by HR on Nov 4 · on file
Carrier eligibility file queuedGoes out with tonight's file, no one re-keys itQueued
ID cards ordered3 cards, mailed to the Whitfield homeOrdered
Confirmations draftedTo HR and to EvanNext
FC

To: Dana Pruitt HR Benefits, Sunflower USD 499

Sent 10:42 AM

Done: Evan Whitfield is on Family coverage from Dec 1

Jamie and Riley are added, your late-add approval is on file and ID cards are in the mail. Nothing else is needed from you.

FC

To: Evan Whitfield employee

Sent 10:42 AM

You're covered: Family coverage starts Dec 1

You, Jamie and Riley are covered starting Dec 1. New ID cards for all three of you are on the way; your member ID stays FCM-0499-44817.

1perfect, filed on first read
1sent back, fixed in one reply
0fields typed by staff
  1. 1ReceivesForm from HR
  2. 2ReadsWhat it read
  3. 3Checks2 problems found
  4. 4Sends back / FilesFix list → corrected
  5. 5ConfirmsHR + employee told
06 · ClaimsConcept

From the provider's claim to the member's answer.

A clinic sends a claim. The engine checks it against the member's coverage, prices it, pays the provider and emails the member exactly what they owe and why. Anything unusual goes back or goes to a person.

  • Eligibility, network price and plan rules checked
  • Provider paid, member told what they owe
  • Missing items requested, high-dollar claims routed
FC Claims desk AI at work Concept A claim arrives from Great Plains Family Clinic
Great Plains Family ClinicProvider
Sends the claim: 837 file or paper CMS-1500Itemized bill requested
FC
Freedom ClaimsClaims desk
Pays and explains

Clinic: payment + 835

Member: EOB email

Claims queueToday
Prairie Valley Hospital10:02
837 electronic$48,210.00
Needs a person
Great Plains Family Clinic9:41
Paper CMS-1500$412.00
NewReadingChecking coveragePricedPaid · EOB sent
Sunflower Pediatrics9:37
837 electronic$186.00
Paid · EOB sent
Golden Belt Radiology9:30
837 electronic$910.00
Paid · EOB sent
Cottonwood PT9:22
Paper CMS-1500$240.00
Paid · EOB sent
HEALTH INSURANCE CLAIM FORMAPPROVED BY NUCC
FORM 1500 (02/12)
1. Health plan type
MedicareMedicaidGroupOther
1a. Insured's I.D. numberBCS-0048217
2. Patient's name (Last, First, MI)MEADOWS, JORDAN A
3. Birth date   Sex04 17 1986 F
10b. Auto accident? 10c. Other?
YesNo YesNo
11d. Another health benefit plan?
YesNo
21. Diagnosis or nature of illness or injury   ICD Ind. 0
A.E11.9B.I10C.R05.9D.Z79.84
24A. Date of
service		B.
POS		D. CPT/
HCPCS		E. Dx
ptr		F.
$ Charges		G.
Units		J. Rendering
NPI
110 14 261199214AB212 0011588012347
210 14 261180053A118 0011588012347
310 14 261171046C82 0011588012347
28. Total charge$ 412 00
33. Billing provider info & ph #GREAT PLAINS FAMILY CLINIC
GREAT BEND KS 67530
a. 1588012347
27 fields read
What it readCL-26-004812 · paper CMS-1500
  • Waiting for the form…
  • 1MemberJordan A. Meadows ID BCS-0048217
  • 2PlanBarton County employee plan
  • 3ProviderGreat Plains Family Clinic NPI 1588012347
  • 4Service dateOct 14, 2026 office visit
  • 5DiagnosesE11.9 · I10 · R05.9 · Z79.84 ICD-10
  • 6Procedures99214 visit · 80053 labs · 71046 X-ray CPT
  • 7Other planNone box 11d · no accident
  • 8Billed$412.00
All 27 boxes read, nothing missing
Checks coverageBarton County plan, 2026
  • Eligible on date of service Eligibility file
    Active employee on Oct 14, 2026
  • In-network price applied PPO fee schedule
    Billed $412.00 → network price $268.40
  • Deductible met Deductible tracker
    $1,500 of $1,500 already met this year
  • 20% coinsurance Plan rule SPD §4.2
    20% of visit + X-ray ($191.00) = $38.20; labs paid in full
  • No other coverage (COB) Enrollment
    Box 11d “No” matches what’s on file
Plan pays$230.20to the clinic
Member owes$38.20of the $268.40 price
Pays & explainssent automatically
Sent
From
Freedom Claims
To
Great Plains Family Clinic
Subject
Payment $230.20 + remittance (835)
835 remittanceEFT $230.20
Sent
To
Jordan Meadows (member)
Subject
Here’s what you owe: $38.20, and why

You owe $38.20. Here’s why.

  • Great Plains Family Clinic billed$412.00
  • Your plan’s network price$268.40
  • Blood work, covered in full$0.00
  • Your plan paid the clinic$230.20
  • You pay 20% of the visit and X-ray$38.20
CL-26-004833 · Prairie Valley HospitalInpatient stay, 3 days · 837 electronic · not clean, so it does not pay itself
$48,210.00
Sent back

Missing itemized bill — requested from provider

Sent
To
Prairie Valley Hospital · billing
Subject
Itemized bill needed for your claim

We received your claim for a 3-day stay. To finish it, please send the itemized bill. We’ll re-check it the day it arrives.

On hold, not denied · re-checked when the reply lands
Routed to a person

High-dollar → nurse review + stop-loss watch

RKR. Kessler, RN · nurse reviewer, today

Stop-loss watch61% of specific

$76,250 of $125,000 this year · employer alerted at 75%
When the itemized bill comes back
  1. 1Reads the reply
  2. 2Re-checks coverage
  3. 3Nurse signs off
  4. 4Pays & explains
  1. 1ReceivesClinic’s claim (837)
  2. 2ReadsCodes, member, $412
  3. 3ChecksCoverage + price
  4. 4Sends back / FilesPaid · or itemized bill asked
  5. 5ConfirmsMember told what they owe
07 · Stop-lossConcept

Never miss a stop-loss dollar.

Every claimant tracked against the specific deductible, lasers and the aggregate attachment point, across every provider and Rx. When a claim crosses the line, the reimbursement packet builds itself and is filed on time.

  • Specific and aggregate tracked daily
  • Large-claim notices sent at 50%
  • Packets filed well before the paid deadline
Barton CountyStop-loss contract 12/15Plan month 9 of 12
Stop-loss radar
Concept · illustrative numbers
Specific stop-loss · top claimantsEvery paid claim, totaled per person
Specific deductible $50KSpecific $50K Aggregating specific corridor $25KCorridor $25K
Claimant A
$98,640
Claimant B
Laser $125K
$88,200
Claimant C
$41,200
Claimant D
$28,900
Claimant E
$19,300
$0$50K$75K$100K$125K$150K
Claimant A reimbursable: $98,640 − $50,000 − $25,000 =$23,640
Aggregate stop-lossWhole group · 412 employees
%
of YTD aggregate attachment
Expected claims (100%)
  • Attachment125% · $1,184 PEPM
  • Paid YTD$3.69M of $4.39M
Meets Kansas K.A.R. 40-1-49
Reimbursement packetClaimant A · built automaticallyAuto-built
Claims ledger
Payment proof
Plan document
Eligibility proof
Outbox · Stop-loss deskSENT
From
Freedom Claims · Stop-loss desk
To
Bluestem Re · Specific claims
Subject
Specific reimbursement · Barton County · Claimant A
Packet filed · requesting$23,640
 days to the 15-month deadline
Carrier acknowledged09/15
  1. 1ReceivesEvery paid claim
  2. 2ReadsClaimant totals
  3. 3ChecksSpecific + aggregate
  4. 4Sends back / FilesPacket filed
  5. 5ConfirmsCarrier acknowledged
08 · HRA administrationConcept

Every reimbursement checked and paid.

Employees submit a receipt through the portal. The engine checks it against the employer's HRA rules, asks for anything missing, pays what's eligible and updates the employer's funding report.

  • Each employer's HRA rules applied
  • Substantiation requested automatically
  • Employer funding reports always current
FC
HRA administration deskFreedom Claims · reimbursements for employer-funded HRAs
AI at work Concept
1

A reimbursement request arrives in the HRA queue

HRA-1041Reimbursement request9:14 AM · employee portal
Freedom ClaimsEmployee portal · HRA Request sent$428.59 Receipt + EOB attached
We will email you View my HRA
Submitted by the employee
Employer
Barton County
Plan
Barton County HRA, deductible-only
Employee
Dana Whitfield · ID BC-2207
Requested
$428.59
receipt_1028.jpgPharmacy receipt, photo
EOB_PVH_1014.pdfExplanation of Benefits
2

It reads the receipt and the EOB, line by line

MAIN STREET PHARMACY1820 Main St, Great Bend KS
10/28/2026 5:41 PM · Store 0612
RX# 604118
ATORVASTATIN 20MG 3027.60
PLAN: APPLIED TO DED
VITAMIN D3 GUMMY 60CT14.99
TOTAL$42.59
DEBIT ****4821APPROVED
Explanation of BenefitsBarton County Employee Health Plan
Dana WhitfieldClaim BC-26-08812
Prairie Valley HospitalDOS 10/14/26
MRI, lumbar spine · billed$1,240.00
Plan allowed$612.00
Plan paid$226.00
Applied to deductible$386.00
What it read
Receipt · photo
PharmacyMain Street Pharmacy, 10/28
Atorvastatin 20mg (Rx)$27.60
Vitamin D3 gummies (OTC)$14.99
EOB · PDF
ProviderPrairie Valley Hospital
Service, dateMRI, 10/14/2026
ClaimBC-26-08812
Applied to deductible$386.00

Read from the photo and the PDF. Nothing keyed by hand.

3

It checks every line against Barton County's plan

Barton County HRA plan, 2026 · deductible-only. Reimburses only what the medical plan applied to the deductible (§3.1).
MRI, Prairie Valley HospitalApplied to the deductible on the EOB. Eligible under §3.1.
$386.00ELIGIBLE
Atorvastatin 20mg, prescriptionRx applied to the plan deductible. Eligible under §3.1.
$27.60ELIGIBLE
EOB matches the claim on fileClaim BC-26-08812: same patient, date, provider and amount.
MatchVERIFIED
Vitamin D3 gummiesOver the counter, never applied to a deductible. Not eligible, §3.1.
$14.99NOT ELIGIBLE
Dana's 2026 HRAThis request −$413.60
Annual HRA $1,500.00Remaining $1,086.40
4

The next request is missing a document, so it is sent back

!
HRA-1042 · Marcus Hale · Barton County · $96.40Receipt from Prairie Valley Clinic, 10/22. No EOB attached, so it cannot be paid yet.
Sent 9:15 AM
From
HRA Desk, Freedom Claims
To
Marcus Hale (Barton County)
Subject
HRA request HRA-1042: one document needed

Hi Marcus, we have your HRA request for $96.40 from your 10/22 visit to Prairie Valley Clinic. Before we can pay it, we need one more document:

Missing: the Explanation of Benefits (EOB) for that visit.

Why: IRS rules require every HRA reimbursement to be backed by a document showing the service, the date and what you owe. Your plan only pays deductible costs, and the EOB is what shows them.

Upload it in the employee portal, or reply with a photo. Your request stays open.

On hold, not denied. When the EOB arrives it is read and checked again automatically.

5

Dana's request is paid, and the employer's funding is updated

Reimbursement approved
$413.60
Employee
Dana Whitfield · BC-2207
Request
HRA-1041
Paid by
ACH, Friday Nov 6
To
Checking ••7390
Not paid
$14.99, not eligible
What happened
Approved by the plan rules$413.60 of $428.59, 9:15 AM
Added to Friday's ACH batchDirect deposit, Nov 6
Barton County funding updated+$413.60 on this week's report
HRA balance updated$1,086.40 left for 2026
6

The employee and the employer both get confirmation

Sent 9:16 AM
From
HRA Desk, Freedom Claims
To
Dana Whitfield (Barton County)
Subject
Your HRA reimbursement of $413.60 is approved

Hi Dana, $413.60 (MRI $386.00 + prescription $27.60) will be deposited to checking ••7390 on Friday, Nov 6. The vitamin D3 gummies ($14.99) are not covered: your HRA pays deductible costs only. You have $1,086.40 left for 2026.

Barton County · HRA funding report · November 2026updated 9:16 AM
DateRequestEmp. IDPaidIneligible
11/02HRA-1033BC-1180212.400.00
11/03HRA-1037BC-09541,045.000.00
11/04HRA-1041BC-2207413.6014.99
To fund by Fri 11/06$1,257.40$1,671.00
By employee ID only. No medical details go to the employer.
  1. 1ReceivesRequest + receipt
  2. 2ReadsReceipt + EOB lines
  3. 3ChecksBarton County HRA rules
  4. 4Sends back / FilesEOB asked · $413.60 paid
  5. 5ConfirmsEmployee + employer report
09 · Employer reportingConcept

Every group's report, ready on day one.

For your employer groups, the county clerk or the school business manager: a clear monthly report on claims versus expected, funding and what's driving cost. They can ask a question and get the answer, and Freedom Claims leadership sees the whole book the same way.

  • For every employer group, every month
  • Written in plain English
  • Ask anything about the plan
NOV1Nov 1 · 6:00 AM
42 groups · reports ready
Concept
Monthly plan report Self-funded · 312 enrolled

Barton County · October 2026

Claims paid vs expected Paid Expected
Funding balance
$412K
118% of target
Top cost drivers share of paid claims, YTD
Pharmacy31%
Outpatient imaging18%
Maternity12%

Claims ran 6% under expected through October, helped by a quiet summer for hospital stays. Pharmacy is still the biggest cost, so the plan is watching specialty drug fills closely heading into year-end.

Generated Nov 1, 6:00 AM · de-identified · illustrative figures
Preisser Solutions×Freedom Claims Management

A plan in three phases.

Phase 1Weeks 1–6

Take the paperwork off your team

  • Enrollment journey
  • Document intake and send-backs
  • Employer reporting portal

Staff stop chasing paperwork

Phase 2Months 2–4

Win and keep more groups

  • Census to branded proposal
  • Risk intelligence pre-read
  • Stop-loss radar

Faster quotes, better-underwritten groups

Phase 3Months 4–9

New recurring revenue

  • Hospital membership platform
  • Shared per-member platform fee
  • Claims and HRA engines

Revenue for hospitals and Freedom Claims

Start Phase 1 → See what's already live ↗