Cash-based solutions can beat the medical costs of the big networks by 25% or more.

Join the UnNetwork and start saving.

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* posted cash rates supplemented by targeted specialty arrangements, in ~60% of US markets.

It’s time for a redesign.

The UnNetwork is a new alternative to the big networks, using infrastructure supported by federal price-transparency legislation and data, real-time payment rails, and agentic AI working behind a credit card, with minimal member involvement.

  • Works as an overlay to your existing HDHP, with no rip-and-replace and no new TPA.
  • Uses AI to find the best cash-based solution for a care event, then handles everything: payment and follow-up.
  • Employees get one card and one number to call, with no portals, no balance bills, and no self-navigation.
  • A concierge handles care events end-to-end; savings are shared so employees pay less out of pocket.
  • The majority of fees are contingent on savings generated (unlike point solutions with low uptake, high PEPM).

The old way

The traditional networks are broken systems

Providers
Pharmacies
Traditional
networks
Employees

Friction

  • Non-competitive system
  • High administrative costs
  • Expensive for members
  • Months of administrative hassle

The UnNetwork way

We find the optimum for each service

Providers
Pharmacies
Cash-Pay Infrastructure Proactive Concierge + Credit Card
Employees

Cost reduction

  • Cash-rate optimization
  • As-needed negotiated agreements
  • Prompt-pay (no hassle processing)
  • Direct primary-care integration
See How It Works Request a Demo

Don't be un-decided. Go Un-Network.

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The employer buys it. The employee hardly has to think about it. That's it.

How to join

Through a broker or advisor, your TPA or captive manager, your purchasing group, or directly with us. Based on your claims history and employee mix, we'll assess the savings potential in your markets and build a tailored plan.

Request a Demo

Two components. One outcome: care that costs less and asks almost nothing of the employee.

Proactive Concierge + Credit Card

  • Employer funds copays and part or all of the deductible.
  • Anticipates costly decisions before they happen — directs employees to better, more efficient care.
  • Familiar credit card inteface. No portals, no balance bills. Employees never see the hassle.
  • Can integrate with direct primary care.
Concierge credit card

Cash-Pay Infrastructure

The highest-cost cases are where our impact is the greatest.

High-cost cases are unpredictable — only

21%

persist year over year

We engage early using predictive modeling to reach members before the expensive decision gets made.
We build trust so we can guide employees to the right decisions.
We offer concrete options — available, local, high-quality, and priced right. Not shopping advice.

The math works. Let's run it on your plan.

Request a Demo

An economic model that couldn't be fairer.

Base fee Small PEPM
Performance fee Contingent on savings generated
Embedded commissions None
Kickbacks from vendors or networks None
Undisclosed conflicts of interest None

The Consolidated Appropriations Act made plan-transparency duties explicit, and ERISA fee suits are accelerating.

UnNetwork is conflict-free by design. Every incentive points one way: savings for your plan.

On fiduciary duty: Plan sponsors have a legal obligation to act in the interest of plan participants. That obligation doesn't disappear because the TPA or broker absorbs the complexity. A conflict-free structure isn't optional — it's the floor.

Self-funding, with and without UnNetwork.

Self-funding Self-funding with UnNetwork
Employer funds all claims - including above attachment points, followed by requesting reimbursement Coordinates with Integrated stop-loss insurer to pays providers during a medical event exceeding the attachment point to capture benefits of cah payments
Employer pays network fees; Often cannot unbundle pharmacy Network optional. Cash discounts. Unbundled PBM.
Employer/broker selects, monitors and markets vendors to employees Care and payments coordinated by the concierge; employees don’t have to self-manage the process
Broker chases data to configure, renew and manage plan Broker gets real time data to configure, renew and manage plan

Let's run the numbers on your plan.

We'll walk you through the analytics tool, benchmark your geography, and show how UnNetwork works alongside your existing TPA.

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Last name is required.
A valid email address is required.

We'll be in touch.

Expect a note within one business day to schedule your analysis.