DAY-1 ROI 路 $0 UPFRONT 路 NO DISRUPTION 路 FULLY MANAGED
How many vendors does it take?
Most solve one problem and hand you a bill. We take on the whole financial picture: plan funding, care, pharmacy, everything else you buy, and your indirect expenses.
One team, fully managed. Every lever pays from Day 1, stands alone or stacks. Stack them and trend goes negative.
Fully insured 路 Level-funded 路 Self-funded 路 Reference-based pricing 路 Cash-pay 路 ICHRA 路 Captives 路 PEO
START HERE 路 NO BUDGET IMPACT
What would you start with if it cost you nothing?
Five programs that fund themselves. Billed out of the savings they create. No savings, no invoice.
WORKFORCE
Cost-saving payroll bolt-ons
Up to $988 per employee per year returned, every pay period. Fully insured, 95%+ participation, live in 30 to 45 days. Backed by Bain Capital, approved by the states.
COST REDUCTION
Indirect expense reduction
10 to 30%+ across 60+ categories, entirely outside the benefits P&L. 2 to 3%+ net-margin lift, no burden on staff, no upfront cost.
INSURANCE LINES
Plan crafting and renegotiation
35% savings at a 98% success rate across property, liability, D&O and group health. Keep your agents. Under two hours of your time.
ABSENTEEISM
Medication and care plan adherence
74% fewer readmissions, 76% adherence lift, 4x ROI. Pay only for validated outcomes. Live in 45 days.
PHARMACY
$0-copay pharmacy & transparent contracts
2,000+ medications at $0 copay for the whole household. Pass-through contracts return 100% of rebates: 15 to 25% off Rx spend.
THE STRUCTURAL LEVERS
Who is keeping the margin on your plan?
Usually not you. How a plan is funded and priced decides more than any program on top, and almost nobody opens it.
Level-funded
A fixed monthly cost that recovers the carrier margin you're gifting away and returns your claims data. 8 to 15% off premium.
Self-funded with reference-based pricing (RBP)
15 to 30% off facility cost, with balance-bill advocacy defending the member. You own the claims file and keep every dollar.
Cash-pay & captives
Direct payment to vetted providers, no networks: 30 to 50% off cash-paid procedures. Captives return 30 to 40% of the carrier spread plus surplus.
ICHRA & defined contribution
An individual coverage health reimbursement arrangement turns unpredictable trend into a capped budget line with zero renewal volatility. 8 to 15% below group cost, starting any month.
Transparent pharmacy (PBM)
Pass-through pharmacy benefit contracts, 100% of rebates returned, flat fee: 15 to 25% off Rx. Specialty sourcing and GLP-1 carve-outs on top.
Payment integrity & eligibility
Fraud, waste and abuse runs 3 to 10% of spend. Bill review and overpayment recovery return 1 to 1.5% of claims. Dependent eligibility audits return 3 to 8% of plan cost.
CLINICAL & CARE LEVERS
Where does the spend actually go?
A handful of conditions and a handful of facilities. Cost falls because care costs less and happens sooner.
Steerage to better-rated doctors
Providers scored on 550+ quality metrics. 27% lower episode cost, 15% fewer ER visits, 26% fewer inpatient days. Same network, same card, 11 to 17% off medical.
Virtual MSK, women's health, cardiometabolic & behavioral
One app, four of your costliest condition categories. 58% fewer surgeries, ~$3,177 saved per participant, 3.2x validated ROI.
Direct primary care & virtual care
Unlimited $0 primary care, in person or virtual, plus same-day behavioral health. 12% fewer claims, 40% fewer ER visits.
High-cost carve-outs
Planned surgery at bundled prices: 45% and ~$16K per case. Plus cash-pay imaging, oncology navigation, kidney management and GLP-1s below any quote you've had.
OUTSIDE THE BENEFITS LINE
What if the savings weren't in benefits at all?
The biggest wins often never touch your plan. They sit in what you already buy and how you already pay people.
Indirect spend, 60+ categories
Supplies, IT, telecom, freight, waste, insurance, print, food service, merchant fees. 10 to 30%+ savings, 2 to 3%+ net margin, across 40,000+ projects. One A/P or GL statement is the whole lift.
Cost-saving payroll bolt-ons
A fully insured wrap returning up to $988 per employee per year, every pay period. Plus earned wage access at no cost to you: +49% retention, 35% lower turnover, 2x applicants.
Non-insured benefits people actually use
30+ programs under one contract: dental, vision, hearing, chiropractic, fitness, pet, legal, identity, travel, caregiving, tax help. Single-digit dollars per member, per month.
HOW YOU BUY IT
What does best-in-class cost you?
Less than anywhere else, and often nothing. Priced per member, billed on outcomes, switched on one at a time. Several are billed out of the savings they create, so they never become a budget line.
A la carte or bundled. Take one lane, add later.
WHAT CFOS ASK
Which structure is right for us?
Should we be level-funded or self-funded?
What is reference-based pricing (RBP), and how is cash-pay different?
Is flat or negative healthcare trend actually achievable?
Where does ICHRA fit?
Do we have to wait for renewal?
Which three levers are worth the most to you?
That's what the no-cost analysis answers. Bring your trusted advisors.
See your baseline savings