Medicare Advantage Calculator

Estimate annual savings from standardized HRAs, improved HCC capture, and reduced care manager burden.

YOUR POPULATION

Medicare Advantage members50,000

Care managers1,250

Auto-calculated at 1:40 ratio · $100K/yr fully loaded

CURRENT STATE

HRA cost per assessment today$400

MA HRA typical range $300–$500

Current HRA completion rate50%

MA plans typically 15–50%

ANNUAL SAVINGS ESTIMATE

Total annual savings

$132,225,000

vs. current operations

ROI

34.4x

return per $ spent with Cara

Additional members assessed

15,500

from 50% → 81% completion

Care manager capacity freed

1125.0 FTEs

FTE equivalents (10x gain)

SAVINGS BREAKDOWN

Care manager capacity (10x productivity)

$112,500,000

SNF avoidance (2% of population)

$9,000,000

HRA cost reduction

$7,625,000

HCC / risk adjustment capture

$3,100,000

ASSUMPTIONS & SOURCES

ASSUMPTION	VALUE	SOURCE
Cara completion rate	81%	Cara deployment data (200+ live assessments)
Cara price per assessment	$95	Cara enterprise pricing; pilot pricing $75
MA HRA cost range	$240–$600	Bottom-up build: $50/hr coordinator × 4.5 hrs labor + mileage + no-show burden (30% rate); Cara customer interviews (Elevance, Molina)
HCC / risk adjustment value per newly-assessed member	$200	Conservative floor; CMS Medicare Advantage risk adjustment data 2023 cites $300–$500/member for comprehensive assessments
SNF avoidance rate	2% of population	Conservative; literature supports 3–5% (JAMDA 2021; MedPAC 2023)
Cost per avoidable SNF stay	$9,000	MedPAC 2023: ~$450/day × ~20-day avoidable stay
Care manager productivity gain	10x	Cara deployment data
Care manager cost	$100K/yr	Cara customer interviews; fully loaded salary + benefits

This calculator produces estimates, not guarantees. Actual savings depend on plan population, benefit design, and implementation. Contact Cara AI for a plan-specific analysis: trycara.com