Posted cash rates supplemented by targeted specialty arrangements. Analysis of provider machine-readable files.
The Problem
Employees want affordable quality care. So do employers.
9%+ medical cost trend makes it impossible.
Healthcare runs on networks which lock employers into high prices and inconsistent quality. For thirty years the networks were the only option. They are not anymore.
Going beyond the networks
Paying providers in cash.
01
Lower costs
Federal price-transparency rules require hospitals to publish their price lists, and the cash-pay rates are often the cheapest. Those posted rates are open to anyone, with no contract, no credentialing and no network access fee. Most providers discount further for a prompt cash payment.
Cash rates are, on average, 25% lower than traditional network rates in most US markets.
02
Broader choice, better quality
Every provider takes a direct payment - this widens the choice. Employees can now be directed to the option that is better on quality, convenience and price.
An infrastructure that lets employers pay providers in cash with zero friction for employees.
It is not a carrier. and does not own a network to steer members toward.
Employee
“Zero friction” interface
Provider
UnNetwork is made of three components:
UnlockHealth card
UnlockHealth concierge
Payment rails
Select the UnlockHealth card, the concierge, the payment rails or the TPA to see what each one does.
The UnlockHealth card is built to maximize adoption.
Employees get the UnlockHealth card, a Visa credit card they can use to pay for care at any provider. Every transaction is detected, and answered immediately.
The lowest OOP cost
Members get a Visa card that guarantees the lowest out-of-pocket cost, so reaching for it first is the obvious move.
Convenient and intuitive interface
No apps or portals to navigate. Phone and QR-code access to the concierge.
Payment rails
We’ve created an advanced technology package to track spend and pay providers in real-time on a cash basis, with minimal employee involvement.
The UnlockHealth concierge drives member actions.
On request, on a card swipe, or once prior authorization clears, the concierge proactively directs employees to the best provider on quality, convenience and cost, then uses the payment rails to arrange the lowest out-of-pocket cost, handle payment, and manage any future bills.
Learn more
01
Engage when
Member asks
Prior auth approved
Direct primary care prescribes or refers
Follow-up care is indicated
Member uses card
02
Direct care using information
Quality of providers
Convenience and preferences
Lowest possible out-of-pocket cost
03
Arrange care
Handling payments, surprise bills and paperwork
Clarifying the out-of-pocket costs
04
Follow up
Coordinating additional services
Addressing problems and costly decisions before they happen
UnNetwork is a layer added to the plan, not an arrangement that replaces it.
The plan stays
No plan replacement. The underlying plan is there. Zero risk!
One system to manage
We sync data directly with the TPA, so there is one feed of claims, requests and results rather than a second console to log into.
The secret sauce
UnNetwork enables early intervention.
20%
of members account for 80% of spend
79%
of high-cost members change every year, so they have to be found early
Today
Claims arrive months after costly decisions are made. By then nothing can be done about them.
The UnNetwork way
Our AI extracts signals from card swipes, referrals, prescriptions and prior authorizations that arrive in real time.
The UnNetwork concierge reaches out to the member before the costly decision is made.
Don't be un-decided. Go Un-Network.
“
The employer buys it. The member hardly has to think about it. That's it.
Benefits distribution partner
The more I sit with it, the more convinced I am that UnNetwork is solving the real problem in this market — not another point solution competing for a line item, but the incentive-alignment layer employer healthcare has been missing. That's a rare thing to build, and it's exactly the kind of company I want to be closely involved with.
Fixed. Charged per employee per month whether or not the plan saves anything.
Transaction fee on savings
Contingent. Charged only against savings we actually deliver.
Illustrative control. The split is set at contracting.
The Consolidated Appropriations Act made plan-transparency duties explicit, and ERISA fee suits are accelerating. UnNetwork is conflict-free by construction, not by policy.
Embedded commissionsNone
Kickbacks from vendors or networksNone
Undisclosed conflicts of interestNone
On fiduciary duty: Plan sponsors have a legal obligation to act in the interest of plan participants. That obligation does not disappear because the TPA or broker absorbs the complexity.
Self-funding, with and without UnNetwork.
Self-funding today
Self-funding with UnNetwork
Employer pays network access fees; pharmacy often cannot be unbundled
Network optional. Cash discounts. Unbundled PBM.
Employer or broker selects, monitors, and markets vendors to members
Care and payments coordinated by the concierge; members do not self-manage the process
Broker chases data to configure, renew, and manage the plan
Broker gets real-time data to configure, renew, and manage the plan
Employer funds all claims, including above the attachment point, then requests reimbursement
Real-time stop-loss coordination arranges interim payments during a long hospitalization, so the cash discount reaches the most costly claims too
Swipe to see the rest →
A free analysis, on last year’s claims.
We take last year’s claims file, aggregated is fine, and show what the UnNetwork would have saved in the plan’s own numbers. Employers, brokers, TPAs and captive managers can all start one. Leave a work email and we come back within one business day to set it up.
No cost.
No obligation.
No changes to the current plan required to see the number.
We'll be in touch.
Expect a note within one business day to schedule the analysis.
