Engage
$75 per employee per month
Healthcare navigation for employees choosing their own coverage
Why choose Weltrio's Engage plan for your business?
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Engage gives your employees expert guidance through the ACA marketplace—the same dedicated advocate every time, not a call center. We help them choose the right plan, understand their options, and navigate healthcare decisions year-round.
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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
ACA Marketplace Navigation
Your employees face 50+ plan options alone. We guide them through every step of enrollment, helping them understand deductibles, premiums, and out-of-pocket costs.
What we provide:
• Plan comparison based on individual needs
• Subsidy and tax credit optimization
• Enrollment deadline management
• Special Enrollment Period support
• Year-round plan questions answered
Dedicated Health Advocacy
Every employee gets a dedicated health advocate who knows them by name—not a call center, not a chatbot. Someone who learns their health history and family situation.
What we provide:
• 1:100 advocate-to-employee ratio
• Same person every interaction
• Proactive quarterly check-ins
• 24/7 emergency support access
• Family and dependent support included
Care Navigation Support
Healthcare doesn't stop at enrollment. Your employees get ongoing support finding providers, understanding bills, and making smarter care decisions.
What we provide:
• Provider search and recommendations
• Prescription cost optimization
• Bill review and explanation
• Preventive care reminders
• Specialist referral coordination
Credit/Stipend Optimization
If you're providing healthcare stipends or HRA contributions, we help employees maximize that value. No more wasted dollars on mismatched plans.
What we provide:
• ICHRA/QSEHRA guidance
• Stipend allocation strategy
• Tax advantage optimization
• Coverage gap identification
• Supplemental benefit coordination
What is Engage?
Engage is Weltrio's healthcare engagement service for small businesses that provide healthcare stipends, credits, or ICHRA/QSEHRA arrangements instead of traditional group insurance.
Rather than leaving employees to navigate the complex ACA marketplace alone, Engage provides every employee with a dedicated health advocate and nurse who guide them through plan selection, enrollment, and ongoing healthcare decisions.
This isn't insurance—it's the human relationship layer that makes individual coverage actually work for your employees.
Why Does Employee Healthcare Navigation 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
Getting started with Engage is simple—we handle the complexity so you don't have to.
Employer Enrollment
Days 1-5: Sign service agreement and provide employee roster. We assign dedicated advocates based on your team size.
Employee Onboarding
Days 6-14: Each employee receives an introduction to their dedicated advocate. Initial assessment captures health history, family situation, and coverage needs.
Plan Selection Support
During Open Enrollment: Advocates walk employees through marketplace options, explain trade-offs, and ensure they maximize any applicable tax credits.
Ongoing Navigation
Year-Round: Employees have continuous access to their advocate for healthcare questions, provider searches, bill explanations, and care decisions.
When Should I Choose Engage?
The best time to implement Engage is 60-90 days before ACA Open Enrollment (November 1 - January 15). This gives us time to onboard your team and prepare employees for confident plan selection.
That said, Engage provides value at any point in the year. Employees can enroll through Special Enrollment Periods when life circumstances change, and our ongoing navigation support helps year-round.
Companies launching new ICHRA or QSEHRA programs, transitioning away from group coverage, or simply wanting to support employees already on individual plans all benefit immediately.
Where is Engage Available?
Engage is available in all 50 states. Because we support employees navigating the individual ACA marketplace rather than providing group coverage, there are no state-specific enrollment minimums or restrictions.
Service delivery is location-agnostic—your employees receive the same dedicated support whether they're in New York, Texas, or anywhere in between. All communication channels (phone, text, app, email, video) work nationwide.
Who is Engage For?
Engage is designed for small businesses with 2-49 employees who don't offer traditional group health insurance. This includes:
• Companies using ICHRA (Individual Coverage HRA)
• Employers with QSEHRA arrangements
• Businesses providing taxable healthcare stipends
• Startups not yet ready for group coverage
• Companies with diverse workforces needing individual plan flexibility
If you have 50+ employees (ACA mandate) or meet Guardian eligibility (3+ enrolled), those plans may be a better fit.
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.
