Turn your platform into a

care navigation engine.

care navigation

engine.

AI navigation, direct primary care, and specialty bundle infrastructure for employers, providers, TPAs, brokers, and associations.

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Turn your
platform into a
care navigation engine.

Talk to Our Team

GLOBAL NAVIGATION

HealCo Clinical Navigation

Proactive, AI-powered healthcare guidance that lowers costs and gets members the right care—fast.
HealCo’s clinical navigation services combine real-time health data, licensed clinical teams, and Maestro’s AI-powered navigation engine to guide every member toward better outcomes.
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Where traditional navigation waits for claims, HealCo’s proactive care management intervenes earlier — before the ER visit, before the unnecessary surgery, and before members overpay, driving immediate and measurable healthcare savings.
Built Around the Way You Practice
A black and white image of two arrows.

Plug in DPC & bundles

A hand holding a heart in the middle of it.

Offer COHP designs

A black and white photo of a logo.

AI Clinical Quality & Cost Savings Navigation

Transparent Ledger & Shared Savings

How HealCo Works

Members connect their health information

With permission, HealCo securely retrieves real-time health data from thousands of provider systems nationwide. It’s HIPAA-compliant, encrypted, and establishes the baseline for true proactive care navigation in minutes.

AI + Clinical Team Review

Maestro analyzes medications, labs, referrals, open care gaps, and benefit eligibility. Our nurses and pharmacists validate opportunities for better care, lower cost, and faster access.

Real-time savings alerts

Members receive instant text notifications for:

  • Prescription savings + therapeutic alternatives
  • High-quality specialists with shorter wait times
  • Avoidable procedures (via bundled care navigation)
  • Detected billing errors
  • Underused employer benefits

White-glove clinical support

Our navigation team schedules appointments, compares care options, resolves billing mistakes, and supports medication adherence — delivering a seamless, human-centered experience backed by AI.

HIPAA-compliant
Security
Encrypted
Care
Better Care
Graph
Speed
Faster Access
Graph
Cost
Lower Cost
Notif
Notifications

Patient Data

Options
Patient name
Date In
Symptoms
Status
Jenny Wilson
Dec 18, 2021
Geriatrician
Resolved
EditDelete
Albert Flores
Dec 18, 2021
Internist
Scheduled
EditDelete
Floyd Miles
Dec 18, 2021
Urogynecologist
Resolved
EditDelete
Marvin McKinney
Dec 18, 2021
Cardiologist
Cancelled
EditDelete
Broker Enablement
TPA Integration
Captive Strategy
Reinsurer Partnerships
Associations

Broker Enablement Through HealCoHP

Help employers modernize benefits with direct care and transparent savings models.

Empower Your Employer Clients.
  • No insurer interference
  • Transparent payments
  • Employer introductions

Brokers co-design direct contracting with HealCoHP—bringing savings and a better experience.

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TPA Integration (White-Label)

Offer direct contracting as part of your admin suite—API-ready and HIPAA-compliant.

Plug Into the Future of Administration.
  • API-ready
  • HIPAA-compliant
  • Seamless reporting

HealCoHP simplifies adjudication and routing while preserving your reporting stack.

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Captive Strategy + Stop-Loss Alignment

Support captives with modular benefits and transparent pricing aligned to risk.

Build Smarter Captives.
  • Stop-loss optimization
  • Predictive modeling
  • Shared-savings insights

Give captive members predictable bundles and an AI savings dashboard.

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Reinsurer Partnerships

Align risk through direct contracting, fronting, and quota shares.

Transparent Risk Sharing.
  • Stop-loss optimization
  • Predictive modeling
  • Shared-savings insights

HealCoHP reduces volatility by combining DPC prevention with bundled high-cost care—data you can underwrite.

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Associations & Membership Organizations

HealCoHP enables associations, trade groups, chambers, and professional organizations to offer modern, cost-saving health benefits to their entire membership — without building networks or managing claims.

Simplified Member Healthcare

Each employer can adopt direct primary care, specialty bundles, and navigation while sharing the same scalable infrastructure.

Partner with Healco

Global Pharmacy Arbitrage with TrumpRx-Like Pricing

GLP-1s and specialty drugs are driving employer costs. Maestro integrates Most-Favored-Nation pricing patterns and global fulfillment pathways to cap spend while preserving employer surplus.
Solutions FAQ

Frequently asked questions

Still have questions?

Can't find the answer to your question? Send us an email and we'll get back to you as soon as possible!

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Broker Enablement FAQ
How does HealCo support brokers without disintermediating them?
HealCo is built to strengthen the broker’s role, not replace it. Brokers remain the trusted advisor and commercial owner of the relationship. HealCo provides the infrastructure layer — care navigation, bundles, savings intelligence, and member experience — that makes the broker’s recommendation more defensible and differentiated.
Does HealCo pay broker commissions?
Yes. Broker compensation is preserved and structured transparently, aligned to the underlying plan or employer arrangement. HealCo does not compete for broker economics — it expands them by enabling better-performing plans.
Can brokers bring HealCo into existing employer groups?
Yes. HealCo is designed to plug into existing employer and association relationships, whether fully insured, level-funded, or self-funded, without requiring a rip-and-replace.
What makes HealCo different from traditional point solutions brokers already sell?
HealCo is not a point solution. It is a care operating system — combining DPC, bundled specialty care, navigation, and AI-driven decision support into a single experience that brokers can stand behind long-term.
How do I get matched with employers?
Can associations offer HealCoHP to all their member employers?
Yes. HealCoHP supports multi-employer groups through a scalable infrastructure that allows each employer to adopt direct primary care, bundles, and navigation while benefiting from shared resources.
Do member employers need to be a certain size?
HealCoHP works for employers starting at 5 employees and optimizes between 25–500, making it ideal for associations with diverse membership.
Can HealCoHP be white-labeled for an association?
Yes. Associations can co-brand or white-label HealCoHP to deliver unified benefits across their membership.
TPA Integration FAQ
Does HealCo replace the TPA?
No. HealCo is TPA-agnostic and does not perform claims administration. TPAs remain responsible for eligibility, claims processing, and compliance.
How does HealCo integrate with TPAs?
HealCo integrates via claims feeds and eligibility files to inform navigation, validate savings, and improve future decision-making. The TPA remains the system of record for claims.
 Why would a TPA work with HealCo?
HealCo reduces claim volatility upstream — before claims occur — by steering members toward higher-value care. This improves plan performance, employer satisfaction, and long-term retention.
 Is this disruptive to existing TPA workflows?
No. HealCo operates alongside existing TPA workflows, requiring minimal operational change while delivering measurable improvements in utilization and cost control.
Captive Strategy FAQ
Is HealCo itself a captive?
HealCo is infrastructure for captives, not a captive manager or reinsurer.
How does HealCo support captive or group-risk strategies?
HealCo improves captive performance by reducing high-cost claims and volatility through early navigation, bundled care, and DPC-led decision support — before losses hit the captive layer.
Can HealCo work with existing captives?
Yes. HealCo can be deployed inside existing captive structures to enhance outcomes without changing governance or ownership.
Does HealCo require employers to join a captive?
No. HealCo works across self-funded, level-funded, and captive-backed plans. Captives are optional, not required.
Reinsurer FAQ
Is HealCo a reinsurer or stop-loss carrier?
No. HealCo does not assume risk and does not underwrite policies.
Why are reinsurers interested in HealCo?
HealCo functions as pre-claim risk intelligence — reducing severity and frequency before claims reach stop-loss or reinsurance layers.
Does HealCo share data with reinsurers?
Only in compliant, aggregated, and employer-approved formats. HealCo prioritizes privacy, governance, and fiduciary alignment.
How does HealCo affect loss ratios over time?
By steering care earlier and more precisely, HealCo helps stabilize utilization patterns and reduce catastrophic claims, improving long-term loss predictability.
Association FAQ
Can associations offer HealCoHP to all their member employers?
Yes. HealCoHP supports multi-employer groups through a scalable infrastructure that allows each employer to adopt direct primary care, bundles, and navigation while benefiting from shared resources.
Do member employers need to be a certain size?
HealCoHP works for employers starting at 5 employees and optimizes between 25–500, making it ideal for associations with diverse membership.
Can HealCoHP be white-labeled for an association?
Yes. Associations can co-brand or white-label HealCoHP to deliver unified benefits across their membership.
Still have questions?

Can't find the answer to your question? Send us an email and we'll get back to you as soon as possible!

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