Dom serves as the health plan analyst, cost-containment strategist, and stop-loss expert at Five Points Benefits. With a background in engineering and data analysis, he brings a fresh, results-driven approach to the complex challenges of modern health plan design.

Dom has extensive experience crafting self-funded and level-funded health plans for employers, unions, and educational institutions. He specializes in identifying opportunities to reduce costs while maintaining or enhancing benefits, assembling all critical components of a successful plan—including stop-loss coverage, provider networks, PBMs, and administrative platforms—to deliver measurable savings.

His expertise spans a wide range of plan types and funding models, including PPO, Reference-Based Pricing (RBP), MEC, Healthshare, and virtual care. As lead analyst, Dom’s plan reviews and proposals provide employers with full transparency, including:

• Key performance metrics

• Fully insured rate equivalents

• Claims funding analysis

• Surplus and cash flow projections

• Pharmacy rebate modeling

Dom ensures every plan is financially sound, strategically aligned, and operationally optimized. He also conducts historical performance reviews to identify waste, recover savings, and craft forward-looking strategies.

In addition to core design and savings work, Dom has deep experience solving complex issues such as:

• IDR (Independent Dispute Resolution) navigation

• OON (Out-of-Network)

• Forensic claim reviews

• J-code suppression strategies

Notable success stories include:

1. Saving over $1 million annually for a staffing agency by re-marketing stop-loss, optimizing network access, capturing Rx rebates, and integrating administrative efficiencies.

2. Reducing union health plan costs by $430,000 through direct Tier 1 contracting with a regional hospital system and leveraging Blue Cross Blue Shield as Tier 2.

3. Implementing a virtual care program for a franchise with 600+ locations, covering over 1,000 lives, and achieving an average response time of just 25 seconds.