Elevating
Care.
Reducing
Cost.
A fundamentally better approach to employee health benefits.
A Modern Health Plan That Pays You Back
Tired of the endless cycle of rising premiums? Health365+ offers a modern approach that gives you control over your healthcare spending. We provide superior care and service, which leads to better health outcomes and lower costs. At the end of the year, you get to keep 100% of the unused claim funds.
Our Integrated Care Model
This is how we deliver better care and lower costs. Our model isn't a set of disconnected services; it's one intelligent system that connects technology, data, and human expertise to proactively guide members at every turn.
1. Intelligent Pre-Certification
Our AI-powered pre-auth service dramatically accelerates approvals, eliminating frustrating delays and creating critical data for our care team.
2. Proactive Clinical Outreach
The moment a procedure is approved, the data alerts the member's dedicated health coach. They reach out immediately to begin care coordination.
3. High-Value Care Guidance
The coach guides the member to the best in-network providers, schedules appointments, and arranges follow-up care, ensuring a better experience and lower costs.
This isn't just about speed; it's about intelligence. Every administrative step is transformed into a proactive care opportunity.
Core Plan Services
Our integrated system is powered by these foundational services, designed to provide comprehensive support across all aspects of care.
Virtual Direct Primary Care (DPC)
The digital front door to our system. For a $0 copay, members get unlimited, on-demand access to a dedicated care team for acute issues, chronic disease management, wellness visits, and prescription renewals.
Proactive Chronic & Whole-Health Management
Using data from across the ecosystem, this program identifies at-risk members and engages them with personalized support from a dedicated health coach who is a fully integrated part of the member's care team.
A Conflict-Free Pharmacy Model
We fundamentally redesign pharmacy benefits to eliminate conflicts of interest and pass all savings and rebates directly back to the plan. For high-cost specialty medications, we work with members to utilize Manufacturer/Patient Assistance Programs, saving an average of 35% on total pharmacy spend.
A Smarter Way to Fund Your Plan
Our level-funded model gives you the predictability of a fixed monthly payment with the transparency and savings of a self-funded plan.
Predictable Payments
You pay one level, monthly amount that covers administration, stop-loss insurance, and your expected claims.
Stop-Loss Protection
You're protected from catastrophic claims. High-cost claims are paid by the stop-loss carrier, not you.
100% Surplus Returned
At the end of the year, all unused money in your claims fund is returned directly to you. No strings attached.
The Health365+ Digital Hub
We empower members and administrators with a unified, intuitive technology platform that simplifies benefits and enhances the human-powered support our care teams provide.
Your Central Hub for Digital Support
Our platform provides a single point of access for all plan-related information and tools, eliminating the confusion of multiple logins and disconnected systems.
"Technology should simplify the healthcare journey, not complicate it. Our platform provides clarity while always keeping the member at the heart of a human-centric experience."— Joshua Parise, Chief Innovation Officer
A Better Benefits Experience
A health plan is only as good as an employee's ability to use it. We lift the burden of benefits education from your HR team by providing direct, expert support to your employees.
Guided Enrollment with Licensed Coaches
We provide your employees with direct access to our team of salaried, licensed benefit coaches. During open enrollment, our coaches walk each employee through their options and complete their elections, dramatically increasing employee understanding.
BenefitBites: On-Demand Education
We make complex benefits simple with our library of short, interactive "BenefitBites" courses, sent directly to employees to teach them how to use their plan effectively.
Security & Compliance
Member trust is non‑negotiable. Our program, processes, and partners are built around privacy and safety.
HIPAA-Aligned
Administrative, physical, and technical safeguards; BAAs with partners; least‑privilege access controls.
Data Protection
Encryption in transit and at rest, audit trails, and secure messaging inside the member app.
Vendor Governance
Formal review and monitoring of third‑party vendors and integrations.
Voices of Our Members
Here’s what employees have to say about their experience with the Health365+ model.
"With my old plan, I felt like a number. The first time I called Health365+, I spoke to a real person who knew my name and solved my issue in minutes. The difference is night and day."
"Managing my diabetes used to be a constant struggle. With Health365+, they sent me a free glucometer that syncs with their app, and my health coach, Emily, checks in regularly. I feel more in control of my health than ever before."
"I was so stressed when my daughter got sick, but our Health Coach was incredible. She helped us find a top-rated pediatrician in our network and even scheduled the appointment for us. It was a huge weight off my shoulders."
Frequently Asked Questions
Clear answers to the most common employer and member questions.
Is this fully insured?+
No. Health365+ is designed for self‑funded or level‑funded arrangements paired with stop‑loss protection. You gain transparency and keep the year‑end surplus.
Do employees keep their doctors?+
In most cases, yes. We align to broad, high‑quality networks and guide members to in‑network, high‑value providers. Final access depends on the selected network and geography.
What happens to unused claim dollars?+
They are returned 100% to the employer per the plan’s funding agreement after year‑end reconciliation.
How are high‑cost claims handled?+
Stop‑loss insurance caps exposure above your chosen deductible, helping stabilize your plan while preserving savings.
Ready to Take Control?
Let's start a conversation about how Health365+ can build a better health plan for your organization. Contact us today for a complimentary savings analysis.
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