The health of your benefits plan can seem like a black box. Open it.

See opportunities down to the penny.

Visualize the health of your workforce.

Change employee behaviour.

Combining advanced analytics, proprietary data, and pharmacy expertise, Cubic empowers you to quickly see and seize opportunities to improve the health of your benefits plan.

Our Process

From clarity to results in four simple steps.

1. See Clearly

So, your plan costs are going up again. You have high-level data, but you can’t really see why this is happening, or how you can avoid it.

Cubic’s Plan Scan transforms all of your individual claims data into a user-friendly profile of your plan’s health, including hidden drivers of cost and key health trends affecting your workforce.

You’ve never seen potential savings quantified down-to-the-penny before.

2. Seize Opportunity

Now you know where the money’s really going, and why. And you understand where you might modify your plan to more efficiently meet the needs of your people.

You see the reasoning. You get the rationale. You decide to adjust your plan. Cubic helps ensure the changes are implemented as seamlessly as possible.

3. Shift Behaviour

It’s one thing to tweak your plan design. It’s another to have employees make the desired shift. Communications is always a hurdle.

Your Benefits Communicator App puts interactive coverage information in the hands of plan members, right in their doctor’s office. In two clicks, they see that an equivalent drug means less out of pocket. They also see that using your Preferred Pharmacy Network is a better way to go. Just like that, they’re making better decisions for their own health – and for the health of your plan.

4. Show Results

Your Cubic Dashboard shows you how everything is going. You see the impact of the change you made, but you want to go even further. You decide to finetune, to give employees an even greater incentive to change their behaviour.

You print out a report to show the rest of your team what’s happening. The meeting’s in 10 minutes. It’s going to be a good conversation.

This is the benefit of clarity.

Case Studies

Cubic’s clients exercise greater control over the future of their benefit plans.

  • Case #1: Invest where it counts

    When a provincial plan is responsible for delivering different programs in different regions, the challenge is knowing where to focus.

    From the black box…

    This provincial, public sector plan was responsible for investing in health and wellness programs across multiple regions. Unfortunately, our client wasn’t sure where the greatest needs existed – either from a regional or a disease perspective. What’s more, they couldn’t quantify the return on investment of their programs.

    …to the benefit of clarity

    Combining transactional claims data and custom metrics, Cubic developed Health Scorecards for each of the plan’s regions. At a glance, our client could now see the health of a local member population – including more prevalent conditions and emerging issues. They could also see the financial health of the plan, with opportunities for savings through design modifications. Tracking its progress through Health Scorecards, the plan is prioritizing health and wellness needs in each region, focusing its programs to meet those needs, and quantifying return on investment for the first time. Now, with a clear ROI, the plan is expanding its investments in health and wellness.

    Case Study #1
  • Case #2: Secure the future

    With a growing member base, this retiree plan knew they needed to act to preserve benefits for the long-term. But how?

    From the black box…

    A public sector retiree plan with a fixed funding model was approaching the tipping point. Even as the plan looked healthy, the plan population was growing. If the benefits committee did nothing, they knew their retirees would soon be forced to share more of the burden.

    …to the benefit of clarity

    Assessing four million claims transactions, Cubic helped the members of the benefits committee – with their varied backgrounds and levels of knowledge – clearly see how to improve the plan’s long-term viability. Today we are working with this plan to implement design changes to save nearly a third of the plan’s costs, without negatively impacting members. With a clear understanding of the size of the opportunities and risks they face, the benefits committee is using analytics to better manage their plan far into the future.

    Case Study #2
  • Case #3: Fulfill a PPN’s promise

    When savings failed to materialize after the implementation of a Preferred Pharmacy Network, the question became what to do next.

    From the black box…

    In an attempt to improve value-for-dollar within its benefits plan, a large employer put a Preferred Pharmacy Network (PPN) in place. But nearly two years after implementation, the PPN still wasn’t achieving management’s goals: members’ uptake was low and savings to the plan were negligible. Was the PPN a bad idea? Could its performance be improved?

    …to the benefit of clarity

    Cubic’s analysis of claims data and responses from participating pharmacies uncovered the holes in the existing PPN arrangement. With dispensing efficiency disparities of more than 65% and ingredient cost mark-ups varying by as much as 7% between pharmacies, there were clear opportunities for better alignment within the network. This gave rise to new targets and incentives for an expanded number of stores. The results speak for themselves: despite a 26% year over year increase in spending on expensive specialty drugs, overall plan spending remained flat while member out-of-pocket expenditures decreased by 32%.

    Case Study #3
  • Case #4: Savings without sacrifice

    This large, unionized employer had a generous benefits plan and little appetite for major design changes. So how could they contain costs?

    From the black box…

    Our client provided its employees and retirees with generous, collectively-bargained benefits – but with $15 million in annual drug spend, they were also saddled with the highest per capita benefit costs in the company’s global operations. Here was a complicated plan, compounded by a lack of clarity around what was covered, where money was spent, and what was driving plan utilization.

    …to the benefit of clarity

    The only way to know what was really happening was to turn to transaction-level claims data. A comprehensive Cubic Plan Scan identified and quantified opportunities for savings solely from inefficiencies within the plan. Simply by clarifying coverage alone, our client generated savings of $1.75 million within 12 months – reducing costs by more than 10% of plan spending.

    Case Study #4
  • Case #5: Make it sustainable

    This national employer thought continuing to provide the same level of benefits would be impossible….until a better way became clear.

    From the Black Box…

    Our client was at a crossroads. They were spending $2.5 million annually on their prescription drug benefit, and costs were rising more than 15% a year. At this rate, they wouldn’t be able to continue to provide the same level of benefits. They’d considered a number of options, including a Flex Plan. But they didn’t know what was really driving the performance of the plan, or what they should do next.

    …to the Benefit of Clarity

    Cubic’s analytics revealed the hidden drivers of cost, and a better plan design suddenly became clear: a customized, tiered formulary that would have almost no negative impact on members. Despite an eight-fold increase in spending on expensive specialty drugs, the average cost per claim has increased by less than one percent annually since the new plan began. Benefits haven’t just been preserved – they’ve been expanded, as our client reinvests savings into new employee programs.

    Case Study #5

Why Cubic?

We are building a world where real-time monitoring of plan utilization enables better management.

The Cubic Story

In 2003, Cubic Health was born from two simple insights. The first was that the single biggest and fastest growing driver of cost in any extended health benefit plan in Canada is the prescription drug plan. The second insight was that no one at that time had the information they needed to understand or manage this snowballing investment in the health of their employees.

Benefits plans were a big, expensive black box. One evening, overlooking a lake in cottage country, we realized how we could help plan sponsors open it.

At the time, very few employers were aware of the availability of their own transactional-level drug claims data. What better source of insight, we thought, than that data? If we could analyze 100% of a plan’s claims experience – rather than simply a representative sample — we could show plans exactly what was happening and where opportunities were hidden.

  • All roads lead to the plan sponsor.

    The Cubic Code

  • The data is the truth; it owes loyalty to no one.

    The Cubic Code

  • Data doesn’t help make decisions; information does.

    The Cubic Code

The early years of Cubic were about creating the insight, systems, and analytics infrastructure to do just that. We now maintain the most comprehensive and intelligent drug database in Canada. When paired with our clients’ data, it makes the health of their plan visible as never before.

We didn’t stop there. In the last few years, we have broken down the silos of prescription drug, disability and other extended health benefits, allowing our clients to see across their benefit lines for more strategic management. We’ve built tools that put real-time information right in the hands of plan members. We’re delivering self-serve, interactive reporting that places actionable information at the fingertips of employers and plan sponsors. Our achievements in R&D have been recognized by the federal government through its SR&ED Program in each of the last 10 years.

  • Simplicity is the only cure for overload.

    The Cubic Code

Our vision today is the same as it was the day we started. We’re here to empower plan sponsors. We’re building a reality where management and benefits committees alike are driving their own analytics to see and understand the successes, challenges and opportunities within the plans they are responsible for; a world in which real-time monitoring of plan utilization provides more responsive and flexible plan management; a world in which all members play an active role in ensuring the sustainability of their own plans.

Plan by plan, we are getting there. It all starts with the benefit of clarity.

Mike Sullivan & Chris von Heymann

The Cubic Drug Database

Cubic’s insights are underpinned by the Cubic Drug Database. Frequently purchased by third parties as a gold standard repository for Canadian drug information, it collects, tracks, and enriches data from multiple sources each month, on more than 70,000 drugs in every jurisdiction across the country.

Using Cubic’s SFC Therapeutic Classification System, the Cubic Drug Database ties drugs to the conditions being treated, in a way that is user-friendly for everyone. When linked to a client’s claims data, the result is a crystal-clear view of the health of both a client’s workforce and their benefits plan.

Tracking the status of every drug in Canada over time, the Cubic Drug Database incorporates more than 10,000 DIN-level updates each month. It includes detailed information on:

  • icon-jurisdiction

    Drug pricing by jurisdiction

  • icon-coverage

    Public and private formulary coverage

  • icon-interchange


  • icon-medical

    Medical reasons for use

  • icon-scheduling

    Provincial scheduling

  • icon-indicators

    Drug and clinical indicators

Meet The Cubists

The Cubic team brings together expertise in clinical and retail pharmacy, finance, and advanced analytics.

  • The affordability of the future is already in hand.

    The Cubic Code

  • mike-sullivan
    Mike Sullivan President & Co-Founder
    Mike Sullivan
    President & Co-Founder
    Specializes in strategy, finance, and business development; registered as a practicing pharmacist.

    “Cubic is in the business of helping clients manage their plan experience through the use of analytics – helping them go from measurement to understanding to active management. We’re showing them how they can build better plans for less, helping them prioritize and decide where to go next, and helping them get there. It’s all about translating numbers into results.

    The past is not a reliable indicator of costs in health benefits. Plans are routinely flushing 10% or more of their spending down the toilet every year, without any benefit to members. Those are resources that could be used to fund so many interesting initiatives in the area of health and wellness, or to expand benefits in other ways.”

  • chris-heymann
    Chris von Heymann Vice President & Co-Founder
    Chris von Heymann
    Vice President & Co-Founder
    Specializes in strategy, operations, and new product development; registered as a licensed pharmacist.

    “The ultimate problem we’re trying to solve here is preserving the affordability and sustainability of benefit plans in Canada. Employers and plan sponsors and their members truly are at the center of this industry – they are the ones ultimately paying the bill. How can we help them stay healthy for the future?

    I’ve always been driven by the idea of creating solutions that employers, plan sponsors, and members didn’t know they needed, but tomorrow can’t live without. That’s how we will make a lasting mark in our space, by providing tangible value to clients that no one else has.”

  • bishoy-khalil
    Bishoy Khalil Manager, Analytics & Clinical Programs
    Bishoy Khalil
    Manager, Analytics & Clinical Programs
    Specializes in leading the team’s plan performance analytics, and Cubic’s Clinical Review and Prior Authorization programs; registered as a practicing pharmacist.

    “In an era when the use of novel yet expensive specialty medications grows faster than ever, and passive savings from the generic story in Canada have all but evaporated, employers are looking at responsible ways to manage necessary health benefits for their members without breaking the bank. As the head of our Pharmacy team, I oversee the completion of the plan performance analytics our clients depend on us for to support informed decision-making. I’m also responsible for Cubic’s Clinical Review and Prior Authorization programs – programs that help our clients ensure that only evidence-based therapies are approved for plan members that truly need them.

    Meaningful data not only sheds light on the present, but provides a window into the future. This enables clients to better understand their plan experience today and invest more effectively for tomorrow.”

  • keith-smith
    Keith Smith Director, Information Systems
    Keith Smith
    Director, Information Systems
    Specializes in system infrastructure, data integrity, data warehousing and information dashboard design.

    “I oversee the technology operations here at Cubic. That means everything from defining technology strategy, to ensuring our systems are scalable and secure for the future, to making sure we provide the best technical support to our clients.

    Working collaboratively with our Pharmacy and Data teams, we provide the tools and information that enable clients to make informed decisions.

    Presentation of information plays a very significant role in interpretation and understanding, we put a lot of effort into understanding what the user needs, so we can ensure we’re presenting their story to them as clearly as possible. Considering the many variables in a plan – plan design, drug pricing, dispensing fees, new drugs, member health, and so on – this level of clarity becomes both more difficult to achieve and more valuable for our clients.”

  • Build what you don’t realize you need today, but tomorrow you can’t live without.

    The Cubic Code

  • ivan-han
    Ivan Han Business Analyst
    Ivan Han
    Business Analyst
    Specializes in drug data consolidation, automation, and customized visuals.

    “I work with both our Pharmacy and IT teams to design and create processes that accurately, effectively, and efficiently transform drug data into actionable information. After all, data is worthless on its own – unless you have the processes to turn that data into information, and the knowledge to apply it to business problems. At the end of the day, it’s about helping our clients make better decisions.

    I’m always looking for ways to reduce time and energy spent on mindless, repetitive tasks. Brain power and time are vital resources – let’s spend them wisely.”

  • amy-lau
    Amy Lau Pharmacist, Plan Analytics
    Amy Lau
    Pharmacist, Plan Analytics
    Specializes in measuring plan performance, interpreting population health analytics, and clinical content; registered as a practicing pharmacist.

    “As a member of our Pharmacy team, I help our clients by providing insight into their unique experience and opportunities to realize better value with their investment in employee benefits with in-depth Plan Performance Reviews and Population Health Analytics. I also work with our Data team to oversee the clinical accuracy of the 79,000+ drugs and products in our Cubic Health Canadian Drug Database.

    No two plans, no matter how similar in design, will share the same story. By understanding their unique story, employers will be better equipped to find opportunities for growth and future investments.”

  • ken-chiu
    Ken Chiu Senior Data Analyst
    Ken Chiu
    Senior Data Analyst
    Specializes in drug & claims data integrity, analytics quality control & accuracy, and reporting visuals & design .

    “Our insights are only as good as our data, and I’m responsible for managing the accuracy and completeness of the data that flows in and out of Cubic. That means assessing the quality of data that we receive. We work with millions of lines of claims data every day; understanding the nuances of how data is handled differently by different systems makes a big difference.

    We live in a world where a lot of decisions – in both life and policy – are based on the aggregation of large amounts of data. I’ve learned how different IT systems and manual processes and procedures can affect data quality. The ability to find those gaps and adjust accordingly, so whatever findings based on the data are fair and accurate, is crucial.”

  • Be the glue.

    The Cubic Code

  • komal-purba
    Komal Purba Business Intelligence Developer
    Komal Purba
    Business Intelligence Developer
    Specializes in data integration and validation to aid in accessibility and business analysis.

    “I am involved in developing and managing the software procedures to ensure the accuracy and completeness of the claims data received for our clients. Whether we’re dealing with tens of thousands of rows of data for individual plans or tens of millions of rows for block-level analytics, verifying the quality of the data is a critical first step for all of our analytics – and doing so as efficiently as possible is crucial to operational and transactional processes.

    I enjoy bringing out facts from files with rows of data. Better decisions can be made by clearly understanding various ‘information assets’ and how they interact with each other.”

  • joseph-zingaro
    Joseph Zingaro Pharmacist, Plan Analytics
    Joseph Zingaro
    Pharmacist, Plan Analytics
    Specializes in integrated benefits analytics, predictive analytics, and innovative algorithms; registered as a practicing pharmacist.

    “In addition to assessing employer-sponsored drug plans for areas of inefficiency, I collaborate with other pharmacists and our IT team to design new ways of looking at data. My favorite problems to solve are deep questions from clients which require completely new, creative approaches to answer.

    The most meaningful results come from the most meaningful data. When you bring together claims for drug, short-term and long-term disability, and paramedical benefits – that creates a fuller picture. It allows clients to identify where a plan can best invest its resources now and in the future.”

  • nancy-gong
    Nancy Gong Senior Business Intelligence Developer
    Nancy Gong
    Senior Business Intelligence Developer
    Specializes in cube development/management, data integration, analytics, report and dashboard design/development, data warehousing.

    “I help our Data and Pharmacy teams by providing end-to-end business intelligence solutions, from development of processes for data loading and cleansing, to the creation of database objects, to building of OLAP cubes, to generating reports and dashboards for our analytics. I believe there are always better solutions, which drives me to continually seek new technologies and approaches to make our business processes more efficient, and to develop new products to facilitate data-driven decision making of our clients.

    Only with systematic methodology and advanced analytics do the patterns buried in seemingly random transaction data become visible, and predictions for the future become possible.”

  • The data is the truth; it owes loyalty to no one.

    The Cubic Code

  • rahul-sharma
    Rahul Sharma Senior Database Administrator
    Rahul Sharma
    Senior Database Administrator
    Specializes in database administration and data security.

    “As an analytics company, our work requires processing huge amounts of data, for several different clients, every single day. My responsibilities as a Database Administrator are to ensure that this data is available for continuous processing, to safeguard its use and storage to protect the privacy and confidentiality of the information, to provide our developers with the data environments they require for developing analytics solutions for our clients. I also ensure that our databases are accurate and fast which helps us build better solutions for our clients.

    In today’s world where data means everything, it is important to build accurate results but with the ability to be quick. Accuracy is always first, but efficiency is a very close second.”

Insights + Articles

Proprietary data and advanced analytics provide new insight into the wider world of employee health and benefits. View All →

  • Drug_Changes_Geomap

    Drug pricing across Canada

    For plan sponsors modeling the impact of alternative plan designs, it is important to use drug product information that is time and region matched to their claims experience: there were almost 130,000 drug pricing and classification changes across Canada in 2013.

  • Articles |

    Plan sponsors’ priorities need to be met

    It’s interesting to watch how product and service development, and the marketing of these offerings, takes place in the group benefits industry.

  • Articles |

    How does treatment-resistant depression impact your benefits plan?

    Your employee has tried to treat her depression with at least two different medications but nothing seems to be working. She’s not alone: research suggests at least half of adults with major depressive disorder (MDD) will fail to respond to multiple attempts with antidepressants.

  • Articles |

    It’s time to rethink prior authorization

    The current structure of most Canadian prior authorization (PA) programs is broken and needs to be fixed because traditional PA hasn’t changed in decades. Better programs PA programs are needed across the industry, programs supported by the realization among plan sponsors and advisors that you can’t pay in the neighborhood of $50 to process a PA submission anymore if you want this mechanism to have any meaningful impact in managing these claims.

Contact Us

Let’s talk about how you and your plan can benefit from clarity.

Toll Free877.CUBIC.50


Let's talk about how you and your plan can benefit from clarity.
Call us at (416) 203-1446