How much of your cancer spend is actually avoidable?
Drag the sliders. Watch your population's projected oncology exposure update in real time, then toggle the ClearOnc scenario to see what's recoverable. All inputs stay in your browser.
Year-one plan-paid cost averaged across all cancer cases — early-stage to catastrophic. Industry default by sector; adjust if you have plan-specific data.
Estimates are directional, based on public industry benchmarks [sources]. Real-world impact depends on your population mix and plan design.
Where the spend goes
By cost driverBuilt on public industry benchmarks, not vendor math
Every number you see comes from the same data your actuary, consultant, or CFO can pull from public research. We show our work.
Expected cases
Working-age cancer incidence is roughly 465 per 100,000 per year, sector-adjusted for risk profile and demographics4. We apply your industry multiplier to your covered-lives base.
Cost per case
Year-one plan-paid cost across all new cancer cases averages $95K–$135K by sector5. Roughly 12% of cases cross the $300K stop-loss threshold and drive the catastrophic tail.
Avoidable share
Expert review changes the diagnosis or treatment plan in up to 40% of cases1, with documented downstream impact on regimen cost, length of treatment, and avoidable inpatient days.
Conservative savings
We model the ClearOnc scenario at a 28–32% blended reduction, weighted by cost driver — concentrated in the late-stage-shift and treatment-variation pools. The floor of what published expert-review programs report, not the ceiling.
Where peers in your size band actually land
Across self-insured employers in the 5,000–25,000 covered-lives band, oncology drives 12–18% of total medical spend. Most populations underestimate it by a third.
Sources & method notes
- Up to 40% of diagnoses change with expert review. Multiple peer-reviewed studies on subspecialty oncology second opinion programs report diagnostic or treatment-plan refinement in 30–43% of cases. See Mayo Clinic Proceedings (Van Such et al., 2017), Cleveland Clinic, and Memorial Sloan Kettering second-opinion outcome studies.
- Late-stage vs. early-stage cost premium. NCCN treatment-cost modeling and SEER-Medicare cost-of-care analyses consistently show 2.0–3.0x first-year treatment cost for advanced (stage III/IV) vs. localized disease across the major tumor types.
- Clinical trial match gap. ASCO and NIH consistently estimate <5% adult cancer patient trial enrollment, against an eligibility rate of roughly 15–20% for advanced disease. See ASCO Educational Book chapters on trial accrual and the NCI Cancer Trials Support Unit reports.
- Working-age cancer incidence rate. CDC and NCI SEER program annual incidence data, age-adjusted to the 25–64 working-age range. Sector multipliers reflect known occupational, demographic, and behavioral risk variation from published health-services research.
- Average plan-paid cost per new cancer case. Sun Life High-Cost Claims report, Aon Health Care Survey, and Milliman MarketWatch cancer cost analyses, blended to the $95K–$135K year-one plan-paid mean across all new cancer cases. Catastrophic ($300K+) claims sit at $350K–$500K severity and represent roughly 12% of new cases.
- Oncology share of total medical spend. Business Group on Health Large Employer Survey and PwC Health Research Institute analyses on rising oncology share of self-insured employer health spend.
Built by the team behind the Moffitt-powered cancer benefit
Run the same model with a ClearOnc specialist on the line
If the numbers landed somewhere uncomfortable, we'll walk your team through them. No vendor pitch — just the model and the math.