Our approach
The architect and quarterback of your health plan — not an insurance company.
We benchmark and re-engineer the largest, least-examined cost in most plans, design a plan around what we find, and hand the day-to-day to a major national carrier — so your employees keep the familiar experience they expect while the plan is built to cost far less to run.
What we actually do
When you ask "what exactly is your role?" — and you should — the answer is crisp: we come in, we analyze, we design, we prove the number. When you say yes, a national carrier runs the plan underneath. We're the advisor and the architect; they're the general contractor.
There's a benchmark you've never been shown.
In healthcare, Medicare is the yardstick — the way the S&P is the benchmark for investing. Almost no employer has ever been shown where their plan sits against it.
The system is built to keep it opaque.
Hospitals recover what Medicare underpays by charging the commercial market — employers like you — a multiple of those rates. Most employers absorb the annual increase with a shrug because no one has ever opened the box.
Claims are the whole game.
Medical claims are the largest share of plan spend and the part almost no one examines. That's where the money is — and where the answers are.
You can see your number.
We benchmark your plan against Medicare on your own data and show you what you're actually paying. For most groups your size, the number is bigger than they expect.
You get transparency and control.
You see where every dollar goes, and you decide how much risk you take. You almost certainly have neither today.
Your employees won't feel the change.
A familiar, branded card, a staffed navigation line, and a promise that we — not your HR team — absorb the data and the day-to-day. The savings are Finance's win; the quiet is HR's.
The advisor, the architect, the benchmark no one has shown you, and the trusted second set of eyes on your biggest blind-spot cost.
An insurance company, a discount network, a replacement for the relationship work your plan already relies on, or a vendor with a gimmick.
The "how" is a conversation — and worth having.
The depth of analysis behind your number is the substance of a live walkthrough, not a web page. We'll take you through it in plain language, on your own claims, with no obligation.