Guardian
$149 per employee per month
Group insurance with behavior-driven benefits that reward smart healthcare decisions
Why choose Weltrio's Guardian plan for your business?
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Guardian combines group health insurance with a unique three-tier benefit structure. When employees use their Weltrio advocate to coordinate care, they pay $0 deductible. It's not a penalty for going alone—it's a reward for making smarter healthcare decisions together.
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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
Three-Tier Benefit Design
Our tiered structure aligns employee behavior with better outcomes. The more employees engage with their advocate, the less they pay out of pocket.
How it works:
• Tier 1 (Weltrio Navigation): $0 deductible, 100% coverage
• Tier 2 (Standard PPO): $5,000 deductible, 70/30 coinsurance
• Tier 3 (Out-of-Network): $10,000 deductible, 50/50 coinsurance
• Freedom to choose any tier for any visit
• No referrals required
Dedicated Health Advocacy
Every employee gets a dedicated health advocate who coordinates their care and unlocks Tier 1 benefits. Same person every time—not a call center.
What we provide:
• 1:100 advocate-to-employee ratio
• Tier 1 benefit activation and coordination
• Proactive quarterly check-ins
• 24/7 emergency support access
• Family and dependent support included
Group Captive Access
Guardian provides access to a group captive insurance structure—multiple employers pooling risk together for better rates and more control.
What this means:
• ERISA-governed for consistency across states
• Experience-rated pricing rewards healthy behaviors
• Works with your existing broker
• No minimum employer contribution required
• Flexible waiting period options
Reference-Based Pricing
Through Weltrio navigation, employees access reference-based pricing that keeps costs predictable and fair—not subject to arbitrary hospital chargemasters.
What we provide:
• Transparent pricing before procedures
• Balance billing protection
• Provider negotiation support
• Cost comparison across facilities
• No surprise bills when using Tier 1
What is Guardian?
Guardian is Weltrio's comprehensive healthcare engagement service paired with access to a group captive insurance structure featuring a unique three-tier benefit design.
This isn't just another health plan—it's a complete system that rewards employees for using Weltrio's care navigation. When employees work with their dedicated advocate to coordinate care, they get dramatically better benefits: $0 deductible instead of $5,000.
The result? Employees want to call their advocate because it literally saves them thousands of dollars. Behavior change happens naturally when incentives align.
Why Does Behavior-Driven Benefits Design Matter?
Most employers renew their health plans year after year without questioning the underlying assumptions. Brokers present options, carriers set rates, and leadership approves budgets based on incomplete information.
The result? Companies overpay for benefits employees don't use while missing coverage gaps that create real risk. They accept premium increases as inevitable rather than addressable. They lack visibility into where their money actually goes.
A Healthcare Risk Assessment changes that. It gives you the data and insight to make informed decisions, negotiate from a position of strength, and take control of one of your largest operating expenses.
How It Works
Guardian implementation is straightforward—we work with your broker to make the transition seamless.
Assessment & Quote
Weeks 1-2: We analyze your current situation, gather census data, and develop a comprehensive quote including the captive structure and Weltrio engagement services.
Plan Design & Enrollment
Weeks 3-6: Finalize benefit design, waiting periods, and contribution strategy. Weltrio participates in employee enrollment to explain the three-tier structure.
Advocate Assignment
Week 7: Every employee gets a dedicated advocate and nurse. Initial outreach captures health history and identifies immediate opportunities.
Active Navigation
Ongoing: When employees need care, they call their advocate first. We coordinate appointments, ensure Tier 1 pricing, and handle logistics—$0 deductible when going through Weltrio.
When Should I Choose Guardian?
The best time to implement Guardian is 90-120 days before your current plan renewal. This gives us time to complete underwriting, finalize plan design, and properly enroll employees.
Ideal scenarios for Guardian:
• Facing significant premium increases at renewal
• Frustrated with flat outcomes despite wellness investments
• Ready to transition from no coverage to group insurance
• Upgrading from credit/stipend arrangements
• Need ACA compliance for 50+ employees
Savings recognition: 25-35% target with claims data, visible at first renewal.
Where is Guardian Available?
Guardian is available in all 50 states with one exception:
• Utah: Requires minimum 10 enrolled employees
• All other states: Minimum 3 enrolled employees
The group captive structure operates under ERISA, which provides exemption from most state insurance mandates. This means consistent benefit design across state lines while maintaining federal compliance.
Guardian works alongside your existing broker—we're not here to replace relationships that work.
Who is Guardian For?
Guardian is designed for employers ready to offer meaningful group health coverage with built-in cost control:
• Small to mid-size employers with 3+ enrolled employees (10+ in Utah)
• Companies with existing fully-funded or level-funded plans seeking optimization
• Growing businesses offering group insurance for the first time
• Applicable Large Employers (50+ FTE) needing ACA compliance
• Employers upgrading from credit/stipend arrangements
Guardian may not fit if you have fewer than 3 eligible employees (consider Engage) or are already self-funded with claims data access (consider Weltrio One).
See What Our Customers Are Saying
"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.
“Our Medical Insurance Premiums were Out of Control! Thanks to Weltrio and their amazing team of healthcare experts, Weltrio is my single most-profitable cost center!”
— Cayuse CEO
Everything You Need to Know
At Weltrio, we are a medically trained team that works with HR and benefits partners at companies of all sizes to improve healthcare quality, reduce risk exposure, and optimize costs. We work within your existing plan structure—providing employers with clarity, trust, and transparency at every step. Whether you're upgrading your benefits plan or building from scratch, we've got you covered.
How is Engage different from just giving employees a healthcare stipend?
A stipend gives employees money. Engage gives them expertise. Without guidance, employees often choose plans that don't fit their needs, miss subsidy opportunities, and struggle to use coverage effectively. Engage provides the human support that makes individual coverage actually work.What's the difference between the three tiers?
Tier 1 (Weltrio Navigation) gives employees $0 deductible and 100% coverage when they coordinate care through their advocate. Tier 2 (Standard PPO) has a $5,000 deductible and 70/30 coinsurance for employees who want to use in-network providers without coordination. Tier 3 (Out-of-Network) has a $10,000 deductible and 50/50 coinsurance. Employees can choose any tier for any visit.How quickly will we see savings?
Immediately. In self-funded arrangements, every claim avoided flows directly to your bottom line. You'll see intervention activity in the first month. Measurable cost impact typically becomes clear within 60-90 days. Monthly reporting tracks savings by category so you always know where value is being created.
