Enter your terms. We model the downside the pitch didn't show.
Contract terms
Enter the terms from your contract or term sheet.
Contract type
Bundled and capitation open their own full models.
Population & cost
Attributed lives10,000
Benchmark PMPM$1,000
Projected actual PMPM$950
Settlement terms
MSR (%)2.0%
Provider share (%)50%
Quality withhold (%)5%
Quality score (%)90%
Risk protection
Truncation (%) ?1.0%
IBNR reserve (%) ?3.0%
Savings cap (% of benchmark)10%
Loss cap (% of benchmark)4%
The number the pitch didn't show
$0
The Bearing
—
—
Upside0.00
Downside0.00
Consequence0.00
Lopsidedness Index
How far your entered terms sit outside CMS-standard bands — and in whose favor.
50
◄ Provider-favorableCMS-standardPayer-favorable ►
Breakeven PMPM
$0
The loss case — if costs run hot
Settlement at actual PMPM above benchmark. Rows in red produce a negative settlement.
Scenario
Actual PMPM
vs benchmark
Gross savings
Settlement
The pitch case — what they told you
$0
Settlement waterfall — pitch case
Term flags
Your entered terms compared to published CMS program parameters — the clearest public benchmark for these contract mechanics.
Compass is a free planning tool. It does not store your inputs, give legal, actuarial, or accounting advice, or substitute for your executed agreement. Term flags and the Lopsidedness Index compare your entered terms to published CMS program parameters — the clearest public benchmark for these mechanics; a commercial contract may reasonably differ. The Bearing plots best-case settlement against worst-case provider exposure and is a directional read, not a recommendation.