Partners
Partners who work in the open
Plans, capital, advice, administration and pharmacy: the partners who help us price and hold risk.
Employer plans & distribution
Excel Health
Self-funded and level-funded employer health plans built around cost containment, independent administration and care that is actually used.
Level-funded & self-funded plans
WhealtheOptions
Transparent, cost-focused level-funded and self-funded health plans for employers, featuring boutique administration, a pass-through PBM, specialty drug MAP/PAP assistance, and AI-powered quoting without individual medical applications. Employers retain plan surpluses and all pharmacy rebates. Telemedicine, extended preventive screenings, and patient advocacy help employees access quality, cost-efficient care.
Capital
ReBond
Risk capital for the captive's layer, from outside investors who back that layer directly.
Benefits advisory
H3A
A patient-centered healthcare alliance that helps employers build health plans outside the traditional model. H3A lets the data decide: measure outcomes, compare results across coverage structures, and route toward what works. Its consulting work starts with a diagnostic of the employer's benefits and operations.
Claims & plan administration
TrueClaim
Health plan administration built on TrueClaim's own claims platform. TrueClaim says its AI agents run around the clock to catch billing errors, adjudication mistakes and care gaps, and reports average savings of 7% on the cost of claims. A real-time dashboard tracks every member, claim and dollar. Employers own their data, and an existing plan can keep the rest of its vendor stack.
Clean adjudication matters to stop-loss. An error caught before a claim is paid does not count toward the specific deductible, and real-time claims data means large claims can be seen early.
Pharmacy benefit management
SevaRx
A pharmacy benefit manager that prices drugs against NADAC, the CMS benchmark built from what retail pharmacies report paying, rather than AWP list prices. SevaRx handles claims adjudication, formulary and clinical programs, and is built to work with any TPA without changing the plan's existing administration. It says it guarantees the plan's total pharmacy spend for the year, with no hidden spread, and reports against that guarantee monthly and quarterly. Every member can reach a personal concierge for help with prescriptions.
Predictable drug spend is easier to underwrite. SevaRx names stop-loss carriers, alongside employers, brokers and TPAs, among the groups it serves.
Specialty pharmacy & site of care
Ethos Rx
A bolt-on pharmacy program aimed at the claims that drive stop-loss: high-cost brand, specialty and infusion drugs. Ethos Rx moves infusion patients to lower-cost sites of care in all 50 states, expects to cut specialty drug costs by 30 to 50%, handles manufacturer-assistance enrollment front to back, and works with local retail pharmacies to dispense 340B-discounted drugs. It can be added at any point in the plan year, with no wait for renewal.
The aim is fewer members crossing the specific deductible. That is good for the plan, and it is why we like working with them.
Work with us
TPAs: if you can share open data and timely cash-position reports, send us a group.