How To: Maximize Cost Savings & Reduce Risk
Weltrio's Three Pillars Framework — And Why Employee Relationships Must Come First
The problem with healthcare cost management
Most employers have tried everything:
- Wellness programs that employees ignore
- High-deductible plans that shift costs but don't reduce them
- Telehealth apps with single-digit utilization rates
- Cost containment vendors that argue over bills after you've already paid
The result? Healthcare costs keep rising 6-8% annually. Programs get implemented, measured, and abandoned. Employees remain confused, disengaged, and making expensive healthcare decisions.
Here's what everyone misses: You can't optimize what you can't influence. And you can't influence people you don't have relationships with.
Weltrio's Three Pillars Framework
Every employer needs three things to control healthcare costs and reduce their risk.
Plan Optimization
Design benefits, choose funding, manage risk. The structural foundation.
Brokers & HR TeamsCare Logistics
Navigate claims, guide decisions, manage high-cost cases. The execution.
TPAs & VendorsRelationships
Change behavior through trust. Proactive engagement that prevents costly decisions.
Employees & WeltrioWHY RELATIONSHIPS COME FIRST
Employees will share things with someone they trust that they'd never share with HR, their boss, or a 1-800 number
"I've been having chest pains but I'm scared to go to the doctor"
"I stopped taking my medication because I can't afford it"
"I think I might be pregnant but I'm not ready to tell anyone at work"
"My back has been killing me but I don't want to seem like I'm complaining"
These conversations change outcomes. The chest pain gets evaluated before it becomes a $150,000 cardiac event. The medication gets sourced affordably before the condition worsens. The pregnancy gets proper prenatal care from day one.
But these conversations only happen when there's a relationship. And relationships take time, consistency, and genuine care.
How Weltrio Makes Employee Relationships Possible
You can't build a relationship with 5,000 people. You can with 500.
Dedicated Assignment Every employee is assigned a personal health coach and has access to our nurse team. Not a call center. Not whoever happens to be available. YOUR coach who knows your name, your health history, your goals, and your family.
Proactive Outreach We don't wait for employees to call us. We reach out on a schedule:
- Welcome call within first week of enrollment
- Quarterly wellness check-ins
- Birthday health reminders
- Post-appointment follow-ups
- Triggered outreach based on claims patterns
Multi-Channel Access Employees connect however they prefer:
- Phone calls for detailed conversations
- Text messaging for quick questions
- Mobile app for 24/7 access
- Video calls when face-to-face helps
- Email for documentation
The Result: Within 90 days, employees know their coach by name. Within 6 months, they're sharing health concerns they'd never mention to HR. Within a year, they're making fundamentally different healthcare decisions.
You can't build a relationship with 5,000 people. You can with 500.
Why Such Different Numbers?
Call centers optimize for efficiency. Their metrics are handle time, calls per hour, first-call resolution. They're designed to get you off the phone quickly.
Weltrio optimizes for relationships. Our metrics are trust built, behavior changed, costs avoided. We're designed to know you over time.
You can't build a relationship with 5,000 people. You can with 500.
The Numbers Behind Relationships
When you invest in real relationships, engagement follows
Why such different numbers? Call centers optimize for efficiency. Weltrio optimizes for relationships.
Pre-Claim vs. Post-Claim
Where you intervene determines how much you save
Pre-Claim Engagement
Guidance • Education • Behavior Change
- Care navigation before decisions
- Cost education before spending
- Behavior change before conditions worsen
- Proactive intervention before escalation
Post-Claim Management
Negotiation • Dispute • Recovery
- Bill negotiation after charges
- Claims auditing after payment
- Reference-based pricing disputes
- Subrogation recovery attempts
- Limited or delayed data
What Post-Claim Services Do
Most healthcare cost management focuses on what happens AFTER the claim:
- Bill negotiation: Arguing with hospitals about charges
- Claims auditing: Finding billing errors after payment
- Reference-based pricing: Paying less than billed amount
- Subrogation: Recovering costs from third parties
The problem: The expensive decision already happened. You're just arguing about how much to pay for it.
The math: Post-claim negotiation typically recovers 5-15% of disputed charges. But you still paid 85-95% of an expense that might have been avoidable.
What Pre-Claim Engagement Does
Weltrio focuses on what happens BEFORE the claim:
- Care navigation: Guiding employees to the right care setting
- Cost education: Showing price differences before decisions
- Behavior change: Building habits that prevent expensive conditions
- Proactive intervention: Catching problems before they escalate
The advantage: A dollar not spent is 100% of a dollar saved.
Real Savings, Real Scenarios
Pre-claim engagement prevents expensive decisions
Chest Pain at 2 AM
Specialty Medication
Planned Surgery
Diabetes Management
How we partner with HR and brokers
We Don't Replace Your Broker — We Make Them More Effective
Brokers excel at Plan Optimization:
- Plan design and funding strategy
- Carrier negotiations
- Compliance and regulatory guidance
- Renewal management
But brokers can't:
- Call your employees quarterly to check on their health
- Guide someone through a cancer diagnosis at 2 AM
- Build the trust that changes behavior over years
- Staff a dedicated team for ongoing engagement
Weltrio provides the engagement layer that makes your broker's plan design actually work.
Many brokers refer clients to us because they understand: the best plan design in the world fails if employees don't use it properly.
Weltrio becomes your HR team's healthcare partner
HR teams are stretched thin:
- Benefits administration
- Compliance requirements
- Employee relations
- Recruiting and retention
- Performance management
They don't have time to:
- Field healthcare questions from 200 employees
- Navigate complex medical situations
- Provide ongoing health coaching
- Track engagement and outcomes
Weltrio extends your HR team's reach and efforts — handling the day-to-day employee support so HR can focus on strategic priorities.
Integration, Not Disruption
We don't replace your broker — we make them more effective
Many brokers refer clients to us because they understand: the best plan design in the world fails if employees don't use it properly.
We got it.
Thank you for contacting us.
We’ll get back to you as soon as possible.
See where your benefit plan is leaking
Find out what gaps exist — and what you can do without changing your plan.
We'll show you where money is leaking, risks are growing, and what you can fix within your current structure. No pressure to change brokers, carriers, or benefit design. Just clarity.
- Gap analysis based on your actual plan structure
- Clear findings you can share with your broker
- Recommendations that layer on — no disruption required
How We're Different
Many services claim to do what we do. Here's the difference.
Nurse Lines
- Reactive (wait for calls)
- Anonymous (different nurse each time)
- Triage-focused (assess urgency only)
- Efficiency metrics (minimize call time)
- Proactive (we call you)
- Dedicated (same nurse knows your history)
- Navigation-focused (guide you to best option)
- Outcome metrics (did we help?)
Health Coaching
- Opt-in only (2-5% participate)
- Condition-specific (diabetes, weight loss)
- Time-limited (8-12 week programs)
- Call center model (whoever's available)
- Proactive outreach (65-80% engaged)
- Whole-person focused (whatever matters to you)
- Ongoing relationship (years, not weeks)
- Dedicated assignment (YOUR coach)
Care Navigation
- Claims-triggered (after problems occur)
- Case-based (one issue at a time)
- Transactional (solve problem, close case)
- Vendor relationship (you're a number)
- Relationship-triggered (we know you're going to need help)
- Person-based (we know your whole situation)
- Ongoing (continuous support)
- Personal relationship (you're a person we care about)
Wellness Programs
- Program-based (campaigns, challenges)
- Incentive-driven (gift cards, premium discounts)
- Activity-focused (steps, screenings)
- Low engagement (5-15%)
- Relationship-based (your coach supports your goals)
- Intrinsic motivation (health matters to you)
- Outcome-focused (are you actually healthier?)
- High engagement (65-80%)
The Weltrio Process
From assessment to sustainable savings in five phases
Assessment
Weeks 1-2We analyze your current state:
- Existing benefits structure
- Claims patterns and cost drivers
- Employee demographics
- Current vendor relationships
- Engagement levels
Customized implementation plan with projected outcomes
Implementation
Weeks 3-6We integrate with your existing structure:
- Data feeds established
- Employee communication developed
- Coach/nurse assignments made
- HR team trained
- Launch executed
Fully operational engagement layer
Relationship Building
Months 2-6We establish connections with employees:
- Welcome calls completed
- Initial health conversations
- Trust building through consistent contact
- Early wins identified and celebrated
65%+ employees engaged with their coach
Behavior Change
Months 6-12Relationships produce results:
- Care navigation in action
- Cost-saving decisions multiplying
- Health improvements emerging
- HR burden reduced
Measurable cost reduction and improved outcomes
Optimization
Year 2+Continuous improvement:
- Data analysis reveals opportunities
- Broker collaboration refines plan design
- Engagement deepens
- Savings compound
15-30% sustainable cost reduction
What you can expect
Weltrio integrates seamlessly into your current benefits strategy. No disruption or added work.
First 90 Days
- 65%+ employees complete welcome call
- Dedicated coach relationships established
- Early navigation opportunities captured
- HR sees immediate reduction in healthcare questions
First 12 Months
- 5-20% reduction in unnecessary ER visits
- 40%+ improvement in generic medication utilization
- Measurable improvement in preventive care completion
- Employee satisfaction with benefits increases
Ongoing
- 15-30% sustainable healthcare premium cost reduction
- Improved health outcomes across population
- Reduced HR administrative burden
- Data-driven plan design improvements
Guaranteed Performance, Not Promises
Weltrio operates on a performance-based model. Our fee structure is tied directly to measurable results. If delivered value does not exceed our fee, we refund the difference. Your outcomes are our only priority.
What Our Customers Are Saying
Don’t take it from us. All of these testimonials are 100% honest and unsolicited.
“Weltrio’s analysis saved us $800K without changing our carrier.”
-Logistics Firm, 1,200 Employees
CFO, Manufacturing Firm
"Welltrio was a nice addition to my life at a most crucial point. The service was unmatched and I felt like I was chatting with a close friend. Setting goals helped me stay on task and work towards my well-being."
— Nancy D
"What could have been data driven, was soon a conversation. Over 3 years with the best coaches, listeners, advisors you could ask for. If Monique didn't have an answer readily, she would note it, research it, and then update you on the answer. Always a positive meeting. Highly recommend!"
— Sue D
"Weltrio provided informative advice whenever we spoke, Monique helped me set realistic and achievable health goals, and most importantly she made me feel important and heard."
— Istaapakspam F
Thank you for contacting us.
We’ll get back to you as soon as possible.
We got it.
Questions? That's Why We're Here.
We partner with business leaders, HR teams, and brokers to make benefits work better for everyone. Our goal is to work together to lower costs, lower risk, keep more profit in your pocket, while we make you look good. Provide you with unmatched pre-claim data. Build stronger client retention. Allowing Weltrio to become your stickiness factor.
