Who decides what your care costs?

It prices claims against a defensible benchmark, usually a multiple of the published Medicare rate, instead of accepting whatever discount was negotiated off an inflated list price. Typically 15 to 30% off facility cost. It works because the benchmark is public and auditable, where the network discount never was.

That's the honest question to ask, and the answer is advocacy. A defense team handles any provider dispute on the member's behalf, so the employee is never the one negotiating. If you'd rather avoid the question entirely, cash-pay carve-outs on planned procedures capture much of the same savings with none of the friction.

No. Steerage works entirely inside your existing network. Providers are scored on 550+ quality metrics and members are guided toward the better-rated ones, who also happen to cost less because they get it right the first time. Same card, same network, better outcome.

Better. Lower cost here comes from better-rated doctors, fewer avoidable surgeries and care that happens sooner. Members get $0-copay prescriptions and same-day access. Nobody's deductible moves and nobody loses a benefit. The savings come out of what care costs, not out of what people receive.