Transform your claims experience
Out of Pocket, EXP (OOPE) is an ALE expense management provider focused on carrier cost savings, optimized adjuster workloads, and faster policyholder reimbursement cycles.
Time Period
6 Month Claim
Submitted Amount
$11,901.18
Approved Amount
$7,376.33
OOPE Recommended Reimbursement
$2,879.84
Cost Savings
$9,021.34
Time Period
8 Month Claim
Submitted Amount
$9,411.79
Approved Amount
$4,996.94
OOPE Recommended Reimbursement
$2,032.01
Cost Savings
$7,379.78
Time Period
6 Month Claim
Submitted Amount
$11,901.18
Approved Amount
$7,376.33
OOPE Recommended Reimbursement
$2,879.84
Cost Savings
$9,021.34
Time Period
8 Month Claim
Submitted Amount
$9,411.79
Approved Amount
$4,996.94
OOPE Recommended Reimbursement
$2,032.01
Cost Savings
$7,379.78
Time Period
3 Month Claim
Submitted Amount
$11,579.09
Approved Amount
$10,177.72
OOPE Recommended Reimbursement
$6,940.17
Cost Savings
$4,638.92
Benefits of OOPE
Adjusters, say goodbye to auditing policyholder ALE receipts. At OOPE, we simplify the receipt collection process for you and your policyholder, helping you get back to the parts of the claim that matter most.
Our Process
Each receipt is meticulously audited for validity and fraud using carrier and adjuster guidelines. OOPE’s exception-based auditing allows adjusters to make high-level claim decisions, leading to an optimized workload and carrier cost savings.
Receipt Submission
Policyholders submit their receipts through OOPE’s iOS app or web portal. OOPE is the main point of contact for any receipt education and question.
01OOPE Audits
Receipts are audited based on adjuster and carrier guidelines, deducting items such as alcohol and excessive spending when necessary. OOPE calculates each expense through its proprietary expense equation to determine the Recommended Reimbursement.
02Everyone Benefits
OOPE provides the adjuster with a comprehensive spending overview and Recommended Reimbursement. Policyholders receive payment(s) faster, adjusters reimbursement cycle time is shortened, and carriers achieve exponential savings.
03Any Questions?
Adjusters can submit a claim by sending an email to claim@teamoope.com or by calling (844) 333-3100.
OOPE will reach out to the adjuster to confirm all claim details and verify carrier guidelines. After, OOPE will call the policyholder to educate them on expense guidelines, acceptable receipts, and the reimbursement process.
No, adjusters will no longer upload or audit receipts. After they submit claim information and carrier expense guidelines to OOPE, OOPE will be the main point of contact for education and questions regarding all expense-related aspects of the claim.
OOPE’s Recommended Reimbursement is the dollar ($) amount OOPE recommends the adjuster pay the policyholder for expenses incurred because of a covered loss. The RR is only a recommendation. The adjuster always has the ability to pay the policyholder a different amount.
No, OOPE does not issue any form of payment to the policyholder. Adjusters will pay policyholders directly.