Before the claim arrives

Cell and gene therapies (CGT) are changing what is possible in modern medicine. They are also changing how employers are navigating benefit management.

Breakthrough treatments, multimillion-dollar price tags, and a growing development pipeline are moving CGT from a rare-event concern toward a strategic benefits planning issue.

This guide shows how employers can use data to prepare earlier: understanding population risk, monitoring the pipeline, modeling potential exposure, strengthening care coordination, and evaluating funding strategies before high-cost claims arrive.