Put AI agents to work in underwriting.
Langentia advises stop-loss and self-funded organizations across underwriting, quoting, and risk management — from today's ML risk tools to the agentic systems that come next. The advice comes from building: an agent-based pricing engine, designed and built end-to-end. Below is what it produces.
Traditional ML Risk Scores
Group Risk Score
- ?Why are they high risk?
- ?What will it actually cost?
- ?Should you laser? At what level?
- ?What is the high-end exposure?
Langentia Clinical Intelligence
Commercial member with metastatic breast cancer, HER2+, currently on first-line HP-based therapy. New brain metastasis coding following surveillance imaging. Likely transition to Enhertu (~$235K/year) with possible stereotactic radiosurgery.
Expected 12-Month Cost
$395,000
High-End 12-Month Cost
$1,185,000
High-end driver: Enhertu-induced lung toxicity (ILD) requiring ICU, or leptomeningeal spread.
Group spec: $200K — consider lasering this member at $450K, above the $395K expected. The projection informs the laser decision; the underwriter makes it.
Illustrative example — synthetic member data. Figures are stated as commercial allowed amounts on a first-dollar basis; not an actual client engagement or actual claims experience.
Consulting Services
Four places AI earns its keep
Engagements are scoped to your book and your workflow — not a generic AI roadmap.
Underwriting
Agentic risk assessment
Member-level clinical trajectories, expected and high-end projections, and laser guidance produced by specialist agents — plus the workflow to put them in front of your underwriters.
Quoting
Quote workflow automation
From submission packet to rate justification: agent-assisted triage, disclosure review, and documentation that survives the broker conversation.
Risk Management
Portfolio surveillance
Renewal monitoring, high-cost claimant tracking, and reinsurance-ready reporting built on transparent clinical reasoning.
AI Strategy
Vendor & model evaluation
A working practitioner's view of the ML risk-scoring platforms underwriters use today — where they fit, where they fall short, and a clear answer on build, buy, or both.
How Engagements Run
Assess3-4 weeks
Workflow map, data readiness assessment, and a ranked list of where agents help and where they add risk.
Pilot6-8 weeks
A retrospective backtest on a completed renewal block — agents measured head-to-head against your current process, where the claims outcome is already known. No live quoting capacity consumed.
DeployScoped to the build
Production workflow, documentation, and team training — standalone tooling or the Langentia platform.
Engagements are sequenced around renewal season — scope and build in the quiet months so you are running live before the September–December crush.
How we're paid: fees come from you and only from you. We take no compensation, commission, or referral fee from any vendor we evaluate. Where the Langentia platform is a candidate, we say so — and we will scope an evaluation that excludes it.
The Explainability Gap
While they're guessing, you're binding.
See why. Act now. Protect the book. Defend your price.
$210K versus $750K isn't a guess when you see the trajectory.
Multiple Myeloma: Right-Size the Laser
$210K vs $750K trajectory
Risk scores flag the myeloma member. They cannot see where the member sits in the treatment sequence: first-line therapy runs ~$210K a year, and each relapse line escalates — $375K, then $600K–$750K as CAR-T and bispecifics enter. That trajectory is a $500K+ swing in expected cost — and a different laser on each path. It's the difference between winning and overpricing the quote.
High-Risk Pregnancy: The Intervention Window
$30K term vs $800K-$2.4M NICU
Prior preterm birth. Short cervix. Every model flags the risk. But the NICU exposure belongs to a member who isn't on the census yet — you cannot laser a member who does not exist. Maternal markers are the only forward signal, and they open the intervention window: cerclage, vaginal progesterone, MFM referral — interventions with 25-35% relative risk reduction in trials.
Oncology Progression: Defend Your Price
$150K vs $800K+ same diagnosis
Two members with diffuse large B-cell lymphoma (DLBCL). Same diagnosis label. One is first-line R-CHOP ($150K). One is relapsed/refractory, CAR-T eligible ($800K+). When the broker asks “why this rate?”, you need the clinical trajectory, not just a number. Clinical reasoning is the defense.
The Platform
From submission packet to defensible decision
The engine behind the consulting is available to clients — standalone or inside an engagement. It brings 36 months of external claims history the group's own disclosure doesn't show, and every projection traces back to clinical reasoning.
Upload
Secure upload of de-identified claims data — census, large claim report, disclosures, Rx.
30 sec
Analyze
AI surfaces the members driving group risk, with therapy trajectories and cost drivers.
2-3 min
Review
Clinical narratives with expected and high-end cost projections for every flagged member.
<5 min
Export
Defensible documentation with laser recommendations and rate justification.
Instant
What You Get
The Principal
Who you're working with
Langentia is led by Justen Nestico, an actuary with 10+ years in group health underwriting and actuarial work. Justen works with the ML risk-scoring tools that are today's standard and designed and built Langentia's agent-based pricing engine to show what comes next. The projections and laser recommendations on this page are illustrative — the reasoning is the engine's, the member is synthetic.
ASA
Associate of the Society of Actuaries
MBA, Tuck
Dartmouth's Tuck School of Business
Builder
Agent-based pricing engine, built end-to-end
Built for healthcare security
We execute a BAA before any client data moves.
Every projection includes expected and high-end cost estimates with the clinical evidence and reasoning you need to defend it. When brokers ask “why this price?”, you have the answer.
Book a consultation
30-minute intro call — bring a workflow or a question. No data required.