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Key Advantages

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Traditional Health Plan

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Cultura Engineered Health Plan

Customization

Bundled components required from insurance carrier or TPA.
Un-bundled platform allowing best in class components.

Member support

Member services, a fragmented call center.
A concierge level of service from an assigned team of nurses providing clinical support & plan advocates.

Hospital / Facility Claims

Extremely inflated charges common through carrier PPO & HMO contracts. 2-10 x variance in cost at hospitals in same geographic region for identical procedures.
Cash-Pay system generating average 30% reduction vs. carrier networks. Plan member shares in savings w/ cash reward.

RX

The insurance carrier earns & keeps a cash rebate from big pharma on your plan. Specialty drugs have uncontrolled, skyrocketing cost
Drug Manufacturer Rebates go to employer. 50% reduction in Specialty RX with privately funded grants for patients & international supply of identical drugs.

Insurance Carrier options

4-6 carriers.
30+ carriers

Transparency into Claims

Often little data supplied by carrier. Employer in the dark. Renewals provided without justification.
Extremely granular data of all costs with advanced forecasting analytics. The tools you need to manage costs and make adjustments.

Alternative Primary Care Access

Telemedicine with 3% average engagement. Appoints required. Little to no follow up after.
Virtual Primary Care, “doctor by text” w/ significantly higher engagement. No appointment needed. Text doctors with follow up questions 24/7
Traditional Health Plan
Bundled components required from insurance carrier or TPA.
Cultura Engineered Health Plan
Un-bundled platform allowing best in class components.
Traditional Health Plan
Member services, a fragmented call center.
Cultura Engineered Health Plan
A concierge level of service from an assigned team of nurses providing clinical support & plan advocates.
Traditional Health Plan
Extremely inflated charges common through carrier PPO & HMO contracts. 2-10 x variance in cost at hospitals in same geographic region for identical procedures.
Cultura Engineered Health Plan
Cash-Pay system generating average 30% reduction vs. carrier networks. Plan member shares in savings w/ cash reward.
Traditional Health Plan
The insurance carrier earns & keeps a cash rebate from big pharma on your plan. Specialty drugs have uncontrolled, skyrocketing cost
Cultura Engineered Health Plan
Drug Manufacturer Rebates go to employer. 50% reduction in Specialty RX with privately funded grants for patients & international supply of identical drugs.
Traditional Health Plan
4-6 carriers.
Cultura Engineered Health Plan
30+ carriers
Traditional Health Plan
Often little data supplied by carrier. Employer in the dark. Renewals provided without justification.
Cultura Engineered Health Plan
Extremely granular data of all costs with advanced forecasting analytics. The tools you need to manage costs and make adjustments.
Traditional Health Plan
Telemedicine with 3% average engagement. Appoints required. Little to no follow up after.
Cultura Engineered Health Plan
Virtual Primary Care, “doctor by text” w/ significantly higher engagement. No appointment needed. Text doctors with follow up questions 24/7