Weltrio One
$199 per employee per month
Maximum optimization for self-funded employers with full claims data integration
Why choose Weltrio One for your business?
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Weltrio One transforms your claims data into action. We don't just analyze patterns—we intervene in real-time through dedicated relationships with every employee. When your data shows an opportunity, your employee's advocate is already on the phone.
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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
Claims Data Integration
We connect directly with your TPA to receive claims feeds and identify intervention opportunities as they happen—not months later in a quarterly report.
What we analyze:
• High-cost claimant patterns and progression
• Pharmacy optimization opportunities
• ER utilization vs. appropriate alternatives
• Preventive care gaps by employee
• Network leakage and out-of-network usage
High-Cost Claimant Management
The top 10% of claimants typically drive 50%+ of your costs. We identify them early and coordinate care proactively—before costs escalate.
What we provide:
• Early identification through claims monitoring
• Dedicated care coordination for complex cases
• Specialist navigation and second opinions
• Treatment plan optimization
• 15-20% reduction target in high-cost claims
8-Category Savings Analysis
We track and report savings across eight distinct categories, giving you complete visibility into where value is being created.
Categories tracked:
• High-cost claimant management
• Pharmacy optimization (20-30% target)
• ER diversion (30-40% avoidable reduction)
• Preventive care & wellness
• Network steerage (<2% OON target)
• Telemedicine adoption (5% → 35%+)
• Administrative & claims management
• Plan design optimization
Dedicated Health Advocacy
Every employee gets the same dedicated advocate and nurse as our other plans—but with claims-triggered intelligence powering proactive outreach.
What we provide:
• 1:100 advocate-to-employee ratio
• Claims-triggered intervention alerts
• Proactive outreach before costs escalate
• 24/7 emergency support access
• Family and dependent support included
What is Weltrio One?
Weltrio One is our most comprehensive healthcare engagement service, purpose-built for self-funded employers with full access to their claims data.
Unlike fully-funded arrangements where savings only appear at renewal, self-funded employers see the impact of every prevented ER visit, every optimized prescription, and every steered procedure in real-time. Weltrio One turns that visibility into action.
We unify fragmented point solutions through relationships. Your employees don't need to figure out which app to use or which number to call. They have ONE person—their dedicated advocate—who coordinates all of it.
Why Does Claims-Driven Engagement 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
Weltrio One implementation focuses on data integration first, then relationship building powered by intelligence.
Data Integration
Weeks 1-3: We connect with your TPA to receive claims data feeds. We establish baselines across all 8 savings categories and identify immediate high-impact opportunities.
Prioritized Onboarding
Weeks 4-6: Every employee gets a dedicated advocate. Onboarding prioritizes members with highest intervention opportunity—chronic conditions, upcoming procedures, medication optimization potential.
Real-Time Alert System
Ongoing: When claims data reveals an opportunity, the system alerts the assigned advocate. They reach out proactively—not waiting for the employee to call.
Transparent Reporting
Monthly: Reports detail intervention counts, savings by category, engagement metrics, and ROI. You see exactly where value is being created.
When Should I Choose Weltrio One?
Weltrio One delivers immediate value for self-funded employers—every claim avoided flows directly to your bottom line.
Ideal scenarios:
• Already self-funded with TPA/ASO arrangement
• Transitioning from level-funded to self-funded
• After a high-cost claim year needing proactive management
• Consolidating fragmented point solutions
• Stop-loss renewal approaching (opportunity to renegotiate)
Savings targets: 25% baseline without claims data, 35-40%+ with full claims integration. Monthly reporting shows intervention impact in real-time.
Where is Weltrio One Available?
Weltrio One is available nationwide. Self-funded plans operate under ERISA (Employee Retirement Income Security Act), which preempts most state insurance regulations.
This means:
• Consistent benefit design across all states
• Exemption from state insurance mandates
• Federal regulatory framework applies
Weltrio One integrates with your existing TPA, stop-loss carrier, and broker regardless of location. Our engagement services are delivered through phone, text, app, email, and video—fully location-agnostic.
Who is Weltrio One For?
Weltrio One is designed for self-funded employers who want maximum optimization:
• Self-funded employers with TPA or ASO arrangements
• Companies with access to their own claims data
• Employers with 100+ employees (optimal for self-funding)
• 50-99 FTE employers with proper stop-loss protection
• Organizations seeking measurable, transparent savings
• Companies with high-cost claimants driving disproportionate spend
Weltrio One requires claims data access for full optimization. If you're fully-funded without claims visibility, Guardian may be a better starting point.
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.
