Cost Estimation

Know what you'll pay before you get care

Upfront cost estimates for planned procedures and services

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Why does cost estimation matter?

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Healthcare is one of the few industries where you don't know the price until after the service is delivered. This makes budgeting impossible and creates financial surprises. Weltrio provides upfront cost estimates so employees can make informed decisions.

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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.

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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
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Get a FREE assessment today!

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Procedure Estimates

For planned procedures, we estimate total cost—facility fees, physician fees, anesthesia, and anticipated related costs.

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Out-of-Pocket Calculation

We calculate your expected out-of-pocket cost based on your insurance benefits, deductible status, and plan structure.

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Provider Comparison

When options exist, we compare costs across providers. The same procedure can cost dramatically different amounts at different facilities.

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Alternative Identification

When costs are high, we identify alternatives—different facilities, different approaches, or ways to reduce expected costs.

What is Cost Estimation?

Cost Estimation provides upfront price expectations for planned healthcare services.

Knowing what healthcare will cost seems like it should be simple, but it's not. Multiple parties bill separately. Insurance processes claims unpredictably. Nobody gives straight answers to 'how much will this cost?'

We research expected costs, apply your insurance benefits, and provide realistic estimates of what you'll pay. This enables informed decision-making and eliminates financial surprises.

Why Is Healthcare Pricing So Opaque?

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

Cost estimation researches expected costs for planned healthcare services.

Service Identification

Employee contacts Weltrio with a planned service—upcoming surgery, imaging study, specialist visit, or other anticipated healthcare.

Cost Research

We research expected costs—contacting providers, reviewing typical pricing, and identifying all anticipated billing components.

Insurance Application

We apply your insurance benefits to estimated costs—considering your deductible, coinsurance, out-of-pocket maximum, and network status.

Estimate Delivery

We provide an estimate of your expected out-of-pocket cost with explanations of how we arrived at the number and what could cause it to vary.

When Should Employees Request Cost Estimates?

Employees should request estimates before:

• Planned surgeries or procedures
• Expensive imaging studies (MRI, CT)
• Non-emergency hospital services
• Specialist consultations (especially out-of-network)
• Any healthcare service where cost is a concern

Earlier requests allow more time to research options if costs are concerning.

Where Can Costs Be Estimated?

Cost estimation applies to services at any healthcare facility:

• Hospitals (inpatient and outpatient)
• Ambulatory surgery centers
• Imaging centers
• Specialist offices
• Labs and diagnostic facilities

Who Benefits from Cost Estimation?

All employees benefit from knowing costs upfront:

• Anyone facing planned procedures
• Those with high-deductible plans who pay more out-of-pocket
• Employees budgeting for healthcare expenses
• Anyone who wants to compare costs across providers
• People who've been surprised by healthcare bills before

See What Our Customers Are Saying

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"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.

  • Is this the same as telemedicine?
    No. Clinical support provides guidance and triage, not diagnosis or treatment. We help employees decide when and where to seek care.
  • How many nurses will be assigned to our company?
    Assignment depends on your company size and typical utilization. Smaller companies may share a primary nurse with backup coverage. Larger organizations get dedicated teams. Either way, employees experience consistent relationships with clinical professionals who know them.
  • Who answers calls in the middle of the night?
    Board-certified nurses from your Weltrio clinical team. We staff night shifts with experienced nurses who have full access to your company's benefits information and employee interaction history. It's not an outsourced answering service.
  • What protocols do nurses use for triage?
    Our nurses use evidence-based clinical decision support protocols developed from emergency medicine and primary care best practices. These protocols are regularly updated based on current medical guidelines and are customized for telephone/virtual assessment settings.
  • How much does an unnecessary ER visit actually cost?
    Average ER visits cost $2,200 or more—even for minor issues. Add lab work, imaging, or specialist consultation and costs climb quickly. The same conditions treated at urgent care typically cost $150-300, and telehealth visits run $50-75.