Keep your broker, your network, and your doctors. Here's exactly what you need to unlock to reduce costs, risk, and waste in your plan—and guarantee it.
We don't compete with your broker, we work alongside them. Your broker still owns your renewal, your carrier relationship, and your strategy. What we add is a nurse-led team that engages with your employees' care before claims happen, which gives your broker a stronger number to negotiate with at renewal instead of a weaker one.
A Healthcare CFO for your plan:
Most self-funded plans get reviewed once a year, at renewal. Who acts as your plan's current Healthcare CFO? Does this person continuously monitor claims spent to ensure employees are getting the best value for every dollar, not just checking in once annually?
Pre-claim engagement = preventing claims, not denying them:
Employees knowingly or unknowingly create gaps in a benefit plan every time they use it. Focusing on pre-claim engagement isn’t about denying claims or reducing the quality of care employees receive, it's about avoiding the need for a costly claim in the first place.
Fewer unnecessary ER visits:
Early intervention, paired with employee education and site-of-care guidance, helps employees get the right care in the right place, avoiding expensive ER visits for things that didn't need one.
MSK intervention - treating pain before it becomes surgery:
Have you implemented a program that intervenes on pain and migraine cases early, aiming to resolve them before they escalate to surgery?
If MSK is left untreated, it becomes one of the most expensive and often avoidable claims categories in a self-funded plan.
Smarter carveouts on your highest-cost categories:
Do you have a carve out strategy to manage high-cost categories?
When you separate like GLP-1s, imaging, and brand-name drugs, you’ll see better outcomes and pricing.
Welrio isn’t a broker, we work alongside them and your HR team. We are your Healthcare CFO for your plan. Your broker still owns your plan, renewals, carrier relationship, and your strategy.
Weltrio becomes your holistic partner that adds a nurse-led team to proactively engage your employees and their care before the claim happens, which provides your business with better cost spend control and your broker stronger pre-claim data to negotiate with at renewal instead of relying on weaker post-claim analysis and modeling.