About Weltrio: The Health Advocacy Partner for Employers
Weltrio is a health advocacy partner for employers, founded in 2014. We give every employee a 24/7 assigned, board-certified health coach and nurse team. That team helps people make smarter healthcare decisions before a claim is ever filed. The result for employers is 15–23% lower healthcare costs, net of our fee. There are no plan changes, no benefit cuts, and no limits on where employees get care.
What Is Weltrio?
Weltrio is a healthcare cost containment firm that works alongside brokers and HR across the full employee care path. Every employee is paired with a dedicated clinical team: a health coach and a nurse.
That team helps employees find care, source prescriptions, choose the right setting for treatment, and catch problems early. We don't replace your broker or your plan. We help both of them perform better.
Here's the short version. We help employees make smarter healthcare decisions. The result is better health, lower costs, and zero reduction in benefits.
Weltrio works with every carrier and any TPA or PBM setup. A TPA (third-party administrator) processes your plan's claims. A PBM (pharmacy benefit manager) runs the pharmacy side of the plan. We work with both, so nothing has to be torn out or rebuilt.
Why Does Weltrio Exist?
Weltrio exists because so much healthcare spending is determined before a claim shows up. Employees choose between the emergency room and a nurse line. They fill a brand-name prescription or an equal generic. They book an expensive imaging center or a better-value facility nearby. Those individual decisions add up quickly across an entire workforce.
Most of the services around a health plan step in after the bill arrives. By then, the money is already spent. We work upstream of that, at the moment a person is deciding what to do.
The stakes keep rising. The average cost of employer-sponsored health insurance reached $17,496 per employee in 2025 and is expected to top $18,500 in 2026 (Mercer, 2025).
So our mission is simple: give every employee a trusted clinical team, and help employers keep more of what they spend on care. As we like to say, a dollar not spent is 100% of a dollar saved.
What Does a Weltrio Health Coach and Nurse Team Do?
Every employee gets a 24/7 assigned, board-certified health coach and nurse team. It's the same team every time, so the people on the phone already know the employee's story.
The team reaches out first. Employees don't have to wait until something goes wrong. That proactive outreach is why Weltrio sees a 90% proactive employee engagement rate.
Here's what the team helps with:
- Right care, right place. A nurse helps an employee decide between the ER, urgent care, telehealth, or a regular doctor visit.
- Prescriptions. The team checks new prescriptions for generics, substitutes, and manufacturer programs.
- Shopping for care. Employees get pointed to high-quality, lower-cost imaging centers, labs, and surgery centers before care is booked.
- Early detection. Outreach helps employees finish preventive care, so small problems get caught early.
- Bills and paperwork. The team helps employees make sense of a bill and sort out claim questions.
The Weltrio app helps employees and family members connect and engage with their coach and nurse. The app supports the human team. It doesn't replace it.
Privacy matters here. Employees trust their clinical team with personal information they'd never share with HR. We only report to the company in aggregate, never individual health details.
How Does Weltrio Fit With Your Broker, Plan, and Partners?
Weltrio fits into a three-pillar model of employer healthcare, and we're the third pillar. Each pillar has a different owner and a different job.
- Plan Optimization. Your broker owns this pillar. It sets the plan's design, and it usually changes only at renewal.
- Care Logistics. Your TPA and PBM own this pillar. It's reactive, so it processes and manages claims after they happen.
- Health Advocates. This is Weltrio. It's proactive. We own the pre-claim gap, the space between plan design and the first claim, where employee decisions either prevent spending or create it.
The first two pillars are essential, but neither one reaches the moment an employee makes a healthcare decision. Without the third pillar, gaps open up. And those gaps create waste, cost, and risk.
You don't need to change brokers to work with us. We work alongside your current broker and make the plan they built perform better. Nothing changes for employees: same plan, same doctors, same benefits.
Learn more about each pillar:
Plan Optimization,
Care Logistics, and
Health Advocates.
What Healthcare Gaps Does Weltrio Close?
Weltrio closes the gaps that drive avoidable spending in employer health plans. Every plan has them, even well-built ones. Here are four we close before a claim is filed.
ER Visits
A 24/7 nurse triage line checks symptoms in real time and sends members to the right setting. That way, people get the care they need without an ER visit that never had to happen.
RX Overpayment
We review new prescriptions for generics, substitutes, manufacturer programs, and cash-pay prices. We also watch specialty and GLP-1 drug use before it climbs.
Care Navigation
A single point of contact sends members to high-quality, lower-cost imaging centers, independent labs, and surgery centers. That happens before care is booked, while the savings are still on the table.
Late Diagnosis
Proactive outreach helps employees finish preventive care. We also coordinate care early for people whose risk is rising, so a manageable condition doesn't turn into a catastrophic claim. That outreach matters, because 77% of employed U.S. adults admit to putting off a health checkup beyond the recommended timeframe at least occasionally (Aflac 2024 Wellness Matters Survey, Aug 5, 2024).
What Results Have Employers Seen?
Weltrio clients see 15–23% lower healthcare costs, net of our fee. That's our standard result, and it comes with no plan changes and no benefit cuts.
Those results come with strong engagement. Because our teams reach out first, Weltrio sees a 90% proactive employee engagement rate.
Who Is Weltrio Built For?
Weltrio is built for employers who want lower healthcare costs without taking anything away from their people. It's also built for the brokers and HR teams who support those employers.
You're a good fit if:
- Your renewal keeps climbing and you want options beyond plan design changes.
- You want to keep your current broker, plan, and network.
- You want every employee to have a dedicated clinical team.
You want measurable results reported in dollars, not promises.
What Does Pre-Claim Data Give Brokers and HR?
Because we work before the claim, we generate information that post-claim vendors can't. We call this pre-claim data and analytics: the questions employees ask, the care they're planning, and the obstacles that slow them down.
That insight feeds smarter plan design, cost-saving design, and long-term optimization. It's the reason brokers and HR leaders want us in the room.
For brokers, we make you look good. We bring data no one else can, and we work in your blind spot, never against you. Think of us as your stickiness factor with every client.
For CFOs and owners, it's 15–23% lower costs, net of our fee. Those savings flow straight to your bottom line.
For HR leaders, you become the hero. We do the work, and you get the credit. Employees get better care, and fewer complicated benefits questions land on your desk.
Weltrio's leadership team brings together nursing, nutrition, operations, business development, and marketing. Here's who they are.
Rhonda Nerenberg, Founder & Chief Health Innovation Officer
Rhonda Nerenberg is the founder of Weltrio and its Chief Health Innovation Officer. She's a registered nurse with a Bachelor of Science in Nursing (BSN) and a Master of Science in Nutrition. She's also a National Board Certified Health and Wellness Coach (NBC-HWC), so her training spans nursing, nutrition, and health coaching. Rhonda is based in American Fork, Utah.
"By the time a claim shows up, the money is already spent and nobody can explain what bought what. We work upstream of that." —Rhonda Nerenberg, Founder & Chief Health Innovation Officer
Jacob Davis, Chief Executive Officer
Jacob Davis is Weltrio's Chief Executive Officer. He took on the role in January 2026 after serving as Weltrio's Chief Operating Officer starting in March 2025. Jacob describes himself as someone who builds systems that solve problems, and his main focus is helping employers. He studied at Western Governors University and holds a Six Sigma certification. Outside of work, he served as board chairman of Self Reliance of Utah, a poverty alleviation group, from 2009 to 2012.
"A plan is only as good as the logistics underneath it. We work alongside the brokers and consultants who bring us in to strengthen the plans they already manage." - Jacob Davis, CEO
Josh Zieglowsky, Chief Business Relations Officer
Josh Zieglowsky has been a Weltrio shareholder since January 2025. He has more than 17 years of experience in residential and commercial real estate. As founder of The Chandler Group, he has managed multimillion-dollar projects from start to finish and bought and rehabbed more than 200 homes. In 2021, he co-founded ERC Specialists, where he leads business development. Josh is based in the Salt Lake City area.
Kody King, Chief Experience Officer
Kody King is Weltrio's Chief Experience Officer. He owns how Weltrio goes to market, how it delivers value, and how clients see Weltrio at every step. That covers marketing, the assessment process, and the client experience from first contact through launch. Kody also produces and hosts Behind The Premium, a weekly podcast about the hidden costs in employer health plans. He brings more than 20 years of experience in user experience design and marketing.
How Do You Get Started?
Getting started begins with a free assessment. Here's how it works:
- Book your free assessment. Tell us about your current plan, your renewal timing, and your goals.
- See your gaps. We identify where money is leaking and what you can fix within your existing plan structure.
- Share the findings with your broker. You receive clear, documented findings to review with your broker, who stays in charge of your plan.
- Launch with no disruption. Employees are introduced to their coach and nurse team, while their plan, doctors, and benefits stay exactly the same.
New Title
Oregon
72632 Coyote Rd
Pendleton, OR 97801
Where Is Weltrio Headquartered?
We're based in Lehi, Utah.
Our office is at 2901 W Bluegrass Blvd, Ste 200, Lehi, UT 84043.
Frequently Asked Questions
Is Weltrio an insurance company?
No. Weltrio isn't an insurance company, and we don't replace your health plan. We're a health advocacy partner that collaborates with your current plan, carrier, and broker.
Do we have to change brokers to use Weltrio?
No. You don't need to change brokers. We work alongside your current broker and help the plan they built perform better.
Will anything change for our employees?
Nothing changes in their coverage. Employees keep the same plan, the same doctors, and the same benefits. What they gain is a 24/7 assigned, board-certified health coach and nurse team they can contact anytime.
Does Weltrio work with our carrier, TPA, or PBM?
Yes. Weltrio works with every carrier and any TPA or PBM setup. Nothing has to be torn out or rebuilt.
How much can Weltrio save my company?
Weltrio clients see 15–23% lower healthcare costs, net of our fee. A free assessment shows what that could look like for your plan.
Is Weltrio the same as telemedicine?
No. Our clinical team gives guidance and triage, not diagnosis or treatment. We help employees decide when and where to get appropriate care.
Ready to See Where Your Plan Is Leaking?
Find your plan's gaps before your next renewal. Our free assessment shows where money is leaking and what you can fix, with no plan changes and no change of broker.
Questions first? Call 385-526-7557 or email questions@weltrio.com.
