Guardian Plan
Group coverage that rewards smart healthcare
Group health benefits with tiered incentives that make using Weltrio navigation the smart financial choice at $149 PEPM
Why Guardian for growing businesses?
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Traditional group plans treat all healthcare the same. Guardian is different—it rewards employees who use Weltrio navigation with dramatically lower out-of-pocket costs, aligning incentives for better care and lower costs.
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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
Tiered Benefit Design
Three tiers create clear incentives: $0 deductible using Weltrio, $5,000 standard network, $10,000 out-of-network. Better care, better price.
Group Captive Structure
Pool with other quality employers for self-funding benefits without going it alone. Favorable experience returns to members.
Full Engagement Services
Everything in Engage plus intensive navigation and care coordination that makes the tiered structure work.
Data-Driven Optimization
Claims visibility enables continuous optimization and demonstrates ROI clearly.
What is the Guardian Plan?
The Guardian Plan provides group health coverage through an innovative captive structure with tiered benefits that incentivize using Weltrio navigation.
The key innovation is the three-tier benefit design:
• Tier 1 (Weltrio navigation): $0 deductible
• Tier 2 (Standard network): $5,000 deductible
• Tier 3 (Out-of-network): $10,000 deductible
This structure makes using Weltrio the obvious choice—employees save money and get better care coordination. The captive structure pools risk across quality employers while providing self-funding transparency.
Why Does the Tiered Structure Work?
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 combines innovative design with comprehensive support.
Captive Enrollment
Employers join a group captive—pooling risk with other quality employers for stability and shared success.
Tiered Coverage
Employees receive coverage with three tiers, creating clear financial incentive for Weltrio navigation.
Navigation Services
Comprehensive navigation ensures Tier 1 usage delivers better care and lower costs.
Experience Returns
Favorable claims experience returns to participating employers—good management is rewarded.
When Is Guardian Right for Employers?
Guardian fits employers who:
• Want group coverage with cost control
• Have 25-200 employees typically
• Value innovative benefit design
• Are willing to commit for multi-year participation
• Want self-funding benefits without going alone
Where Is Guardian Available?
Guardian is available in most states:
• Captive availability varies by state
• Some states have specific requirements
• Contact us for state-specific information
Who Is Guardian For?
Guardian serves growth-stage employers:
• Companies with 25-200 employees
• Those wanting innovation over status quo
• Employers committed to engagement
• Organizations ready for multi-year approach
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.
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.
