Spend 10% to 25% less. Cut nothing.
The Episode Advantage Health Plan lowers cost without limiting network access, raising deductibles, or shifting more to employees. Broad networks. Better math.
Plus 15–25% off stop-loss premiums.
Where the savings come from.
These savings “stack” and vary based on engagement.
No benefit cuts. No narrow network.
Most cost-cutting takes something away. This doesn't. Employees keep broad networks and routine care works exactly as before.
Structure it like an HMO, PPO, reference-based-pricing, or copay plan — with one upgrade: guaranteed prices on expensive episodes.
Renewals you can predict.
Episode allowances control your exposure on the spending that drives bad years. That predictability is why four reinsurers currently issue competitive employer stop-loss on the Episode Advantage Health Plan.
Price guarantees are backed two ways: by providers under bundled-payment contracts, or by highly rated insurers and reinsurers. Either way, the price holds.
Promote employee engagement and provider competition.
Give your employees the agency to lower their own out-of-pocket costs and help you save money. Introducing the simple innovation of shopping for complete episodes of care at fixed prices — with a generous allowance you determine.
135 episode types are live, covering about 43% of a typical employer's health care spending — the vast majority of controllable, plannable spend.
Pricing is built from claims data representing roughly 40% of commercially insured people in served markets, with 70,000+ guaranteed-price episodes in each operating region.
Live now for self-funded employers in Texas, New Jersey, New York, and Connecticut.
70k+
guaranteed-price episodes per region
135
episode types live today
~43%
of typical employer spend covered
4 states
TX · NJ · NY · CT
Get a quote.
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