hero_top_left_line hero_top_left_line hero_circle_img

Transform your claims experience

The Experts in ALE Expense Management

Out of Pocket, EXP (OOPE) is an ALE expense management provider and Loss of Use Tool focused on improving carrier cost accuracy, streamlining adjuster workloads, and expediting policyholder reimbursement cycles.

Submit a Claim

Time Period

6 Month Claim

Submitted Amount

$11,901.18

Approved Amount

$7,376.33

OOPE Recommended Reimbursement

$2,879.84

Cost Accuracy

$9,021.34

six_month_card_img six_month_img

Time Period

8 Month Claim

Submitted Amount

$9,411.79

Approved Amount

$4,996.94

OOPE Recommended Reimbursement

$2,032.01

Cost Accuracy

$7,379.78

six_month_card_img eight_month_img

Time Period

6 Month Claim

Submitted Amount

$11,901.18

Approved Amount

$7,376.33

OOPE Recommended Reimbursement

$2,879.84

Cost Accuracy

$9,021.34

six_month_card_img six_month_img

Time Period

8 Month Claim

Submitted Amount

$9,411.79

Approved Amount

$4,996.94

OOPE Recommended Reimbursement

$2,032.01

Cost Accuracy

$7,379.78

six_month_card_img eight_month_img

Time Period

3 Month Claim

Submitted Amount

$11,579.09

Approved Amount

$10,177.72

OOPE Recommended Reimbursement

$6,940.17

Cost Accuracy

$4,638.92

six_month_card_img three_month_img

Benefits of OOPE

End-to-End Receipt Management with Dedicated Policyholder Support

Adjusters, say goodbye to auditing policyholder ALE/LOU receipts. At OOPE, we simplify the receipt collection process for you and your policyholder, helping you get back to the parts of the claim that matter most.

Submit a Claim Learn More
benefits-slide-first

Increased Adjuster Efficiency

Acting as a virtual assistant for the adjuster, OOPE educates policyholders on carrier expense guidelines, types of acceptable receipts, and the reimbursement process. At the end of the claim, OOPE provides the adjuster with a comprehensive report detailing each expense, its approval or denial status, a spending overview, and OOPE’s recommended reimbursement.

benefits-slide-first

Faster Policyholder Reimbursement Cycles

Policyholders submit their receipts through OOPE’s iOS app or web portal and can view the reasons for approval or denial, as well as their expected reimbursement amount in real-time. Receipts are audited based on adjuster and carrier guidelines.

benefits-slide-first

Improve Claim Cost Accuracy

When receipts are properly audited, unapproved items are deducted, reducing the ALE amount carriers pay to the policyholder. OOPE ensures that carriers do not overpay policyholders by using a proprietary expense equation. Additionally, OOPE's spending analytics assist carriers in setting aside ALE reserves.

half-circle

Our Process

Real People, Real Savings

Each receipt is meticulously audited for validity and fraud using carrier and adjuster guidelines. OOPE’s exception-based auditing allows adjusters to make high-level claim decisions, leading to an optimized workload and carrier cost savings.

Learn More

Receipt Submission

Policyholders submit their receipts through OOPE’s iOS app or web portal. OOPE is the main point of contact for any receipt education and question.

01

OOPE Audits

Receipts are audited based on adjuster and carrier guidelines, deducting items such as alcohol and excessive spending when necessary. OOPE calculates each expense through its proprietary expense equation to determine the Recommended Reimbursement.

02

Everyone Benefits

OOPE provides the adjuster with a comprehensive spending overview and Recommended Reimbursement. Policyholders receive payment(s) faster, adjusters reimbursement cycle time is shortened, and carriers achieve exponential savings.

03
half-circle

Any Questions?

Frequently Asked Questions

Adjusters can submit a claim by sending an email to claim@teamoope.com or by calling (844) 333-3100. Additionally, OOPE also accepts assignments directly through XactAnalysis.

OOPE will reach out to the adjuster to confirm all claim details and verify carrier guidelines. After, OOPE will call the policyholder to educate them on expense guidelines, acceptable receipts, and the reimbursement process.

No, adjusters will no longer upload or audit receipts. After they submit claim information and carrier expense guidelines to OOPE, OOPE will be the main point of contact for education and questions regarding all expense-related aspects of the claim.

OOPE’s Recommended Reimbursement (RR) is the estimated dollar amount we suggest an adjuster consider for reimbursement based on the policyholder’s submitted receipts and their pre-loss spending habits.

It is calculated by comparing total approved daily expenses to the Normal Daily Spending Before Loss.

OOPE's RR is a non-binding recommendation. It is not a guarantee of payment. Final reimbursement decisions are made solely by the insurance carrier and adjuster.

OOPE’s RR is based only on the information provided by the policyholder and/or obtained through OOPE’s own review process. The adjuster and insurance carrier may consider additional factors, including, but not limited to, policy coverage limits, documentation, and internal procedures, when determining the actual reimbursement amount.

No, OOPE does not issue any form of payment to the policyholder. Your adjuster and insurance carrier will make the final decision on your reimbursement amount and issue payment directly to you.

OOPE can provide a SOC 2 Type 2 audit report. We maintain secure data handling protocols and continuously monitor for compliance and security threats.

View All
right_circle left_circle

Get in touch with us

Learn More About the Future of ALE Receipt Collection

Launch App Schedule a Demo
earth_img