When do employers actually pay anything?

Contingency programs are billed in arrears, out of savings already created and validated. Nothing is due before the money shows up, which is why this never becomes a capital request.

How much of the savings does the employer keep?

The rest, permanently. On contingency programs we take an agreed share of validated savings for a defined period; the savings continue after that and they are yours. On per-member programs, everything above the published price stays with the employer.

How are the savings verified?

Savings are validated and reported every month, so employers can check the math against their own statements. Nobody is asked to take our word for the number that generates the invoice.

Do we have to take all of the programs?

No. Start with one lever and add the rest whenever, or never. Each program stands alone. Bundling lowers the per-member cost but is not a condition.

How much does a $0-copay pharmacy program cost an employer?

Under $100 per employee, per year for 2,000+ medications at $0 copay including generic, brand and specialty, covering the whole household. Adding unlimited virtual care and same-day behavioral health brings it under $250 per employee, per year.

$0 UPFRONT · BILLED OUT OF SAVINGS · NO SAVINGS, NO INVOICE

What does this cost you?

Q: What does the analysis cost?

Nothing. There is never any cost for the analysis, whatever you decide afterward. We model your actual spend and hand back a hard number with the mechanism behind each dollar.

Most of it, nothing. The rest is published below, and it's a fraction of what these benefits cost anywhere else, with multiple-fold ROI on the cost-diversion and absenteeism gains.

TWO WAYS WE GET PAID

How does this work?

Every program falls into one of two buckets. Neither one asks you for money before you have it.

MOST PROGRAMS

Paid out of what we save you

Full contingency. $0 upfront, billed in arrears against savings that have already been validated. No savings, no invoice.

· Indirect spend across 60+ categories

· Insurance renegotiation

· Payment integrity and eligibility audits

· Denial and appeal automation

· Cost-saving payroll bolt-ons

These never become a budget line. They create room in one.

MEMBER PROGRAMS

A published price per employee

A per-employee price, published below in full. No minimums, no setup fees.

· $0-copay prescriptions and specialty sourcing

· Unlimited virtual urgent care and behavioral health

· Musculoskeletal, women's health and cardiometabolic care

· Steerage to better-rated doctors, and direct primary care

· Dental, vision, hearing, fitness and integrative health

· Identity protection, pet care, legal, roadside, travel and caregiving

Designed well, multiple are a net savings.

PUBLISHED PRICES

What do the member programs cost?

Three baseline options. Take one, or none, and add the contingency programs alongside any of them.

Pharmacy

Under $100

What's included

2,000+ medications at $0 copay
Generic, brand and specialty
The whole household
Home delivery or 70,000+ retail pharmacies

Get pricing

Pharmacy + virtual care

Under $250

What's included

Everything in Pharmacy
Unlimited $0 telehealth
Same-day behavioral health
Their own choice of therapist

Get pricing

Supplemental wrap

+$988 back

What's included

Everything above, plus more
Fully insured supplemental policy
Returns cashflow every pay period
Reaches families who never qualified

See your number

Per employee, per year. No minimums, no setup fees, no long-term contract. The third option returns more than it costs.

WHAT MEMBERS WOULD PAY ALONE

Why is it a fraction of retail?

Scale, and a channel brokers don't typically see. An employee who can find these benefits at all typically pays 10x+ more for them. Our group price isn't a discount on retail; it's a different product and market.

What does this cost you?

How does this work?

Paid out of what we save you

A published price per employee

What do the member programs cost?

Pharmacy

Under $100

Pharmacy + virtual care

Under $250

Supplemental wrap

+$988 back

Why is it a fraction of retail?

Where exactly does the money change hands?

What does the analysis cost?

When do we actually pay anything?

How much of the savings do we keep?

Are we taking your word for the savings?

Do we have to take all of it?

What would your number be?

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