Week 5: The Most Underused Tool in MERP/HRA MCC Reporting 101
Welcome to Week 5 of the Q4 EBA&M Boot Camp.
What’s an MCC Report?
MCC stands for Merchant Category Code — a standard financial code that tells us where every reimbursed dollar is spent.
Our reporting shows you:
What categories are driving claim costs (Rx, hospital, chiropractor, etc.)
Which facilities are members using the most
What benefit tweaks would deliver real impact
Where waste, misuse, or gaps might exist
Why It Matters Now
You don’t need to wait for renewal numbers to start strategizing.
MCC data lets you:
Model future funding based on real, category-level usage
Turn data into strategy by forecasting costs with real, category-level insights, giving you the confidence to fund smarter.
Defend the value of your HRA/MERP program
Back up your program with hard numbers and clear results that demonstrate unmatched savings and ROI.
Make quick, surgical plan adjustments — without blowing up the core design
Adapt with precision and adjust plans where it counts while keeping the overall design strong and stable.
Lock in current groups before they start shopping
Stay ahead of renewal season by reinforcing value early and securing client loyalty before competitors get a chance.
This Week's Focus