The Independence Charter
Nobody upstream of your scorecard profits from what it says.
We take no money from brokers, carriers, PBMs, or vendors. Not commissions, not referral fees, not co‑marketing. Ever.
We are never paid a percentage of savings. Flat fee only — our revenue doesn’t grow when problems grow.
We surface; we never steer. A software & analytics company — not a broker, not a carrier, not a navigator. A public benefit corporation, on the employer’s side.
Which means the scorecard is the same whether it flatters your plan or not — that’s the point.
The artifact
One page. Three numbers. A grade your CFO can act on.
Every figure is drawn from your plan’s own public filing and labeled with its confidence — FILED, INFERRED, or ESTIMATED — so it survives the scrutiny of the sharpest reader in the room.
Benefits leaders send it up; CFOs read it in ten seconds. One artifact, both readers.
A strong grade is evidence you negotiated well — worth showing your boss. A weak one is a to-do list for renewal.
Nobody makes a major medical decision without one. Your plan spends millions a year on one opinion — book a free 30-minute review for the second.
We grade every plan on the same five dimensions an auditor would check.
What you see here is a high-level preview. Enter your email and we’ll send the full one-page scorecard for your plan — more detail, every figure sourced and cited. A 20-minute call goes deeper still:
- See what peers and competitors pay at the very hospitals your employees use.
- Find where you overpay for the same care — an MRI, a scan, a surgery above the market rate.
- Catch billing errors that quietly add up across a plan year.
- With your own claims data, we surface savings the public record can’t reach.
What we check
The best quality of care, at a fair cost.
That’s the whole job.
A health plan isn’t a line item — it’s the care your people actually receive. Oversight starts with the free scorecard and extends across the whole plan.
The care your people receive
Are members seeing genuinely high-quality doctors and hospitals? Are the costliest cases caught early, and are people enrolled in the programs you already fund? We check provider quality across your network — transparency you can hold your TPA accountable to at renewal, and put in your employees’ hands.
Every claim, not a sample
Traditional reviews touch about 1% of claims. We check 100% of them against real market rates and clinical logic — because the other side now runs AI to code, bill, and price care, and your plan deserves the equivalent on its side.
The cost of care — and of managing it
What you pay for care versus published market rates, and what you pay brokers, TPAs, and stop-loss to manage it versus peers. Sourced evidence for every renewal conversation, with every vendor held to what was promised.
How it works
Boring and defensible, by design.
Search your company
We build your scorecard from your plan’s public federal filing. About two minutes. No claims data, no security review, nothing to install.
Read it — then forward it
A one-page PDF, graded against employers your size, every figure sourced and confidence-tagged. Send it straight to your CFO, CHRO, or people team.
Book the free 30-minute review
We walk through what the filing shows, what it can’t show, and what’s worth checking before your renewal. If nothing’s material, you keep the report and we part friends.
Two minutes either proves your plan is well-run — or finds something worth handling before renewal.
Built for both readers
One page, two jobs.
Proof you’re doing a great job.
- Evidence of what your negotiation actually achieved — worth showing your boss
- Better value within your envelope: quality of care and member experience, verified
- Every vendor held to what they promised, with receipts at renewal
Numbers you can defend.
- Your second-largest cost line, finally with the visibility of every other spend category
- No renewal surprise: benchmarks, trend, and exposure — sourced, not asserted
- Fiduciary-grade documentation that the plan is responsibly run
Why now
The other side already automated. Most employers check the math with a spreadsheet.
The size of the revenue-cycle AI industry built to bill health plans more — growing every year.
of employer plans took a $1M+ claim last year — roughly double the year before. Volatility is the new baseline.
What a traditional sampling review checks, versus what independent software can check: every claim, every vendor, every provider.
“They have a department for this. Now you have one too.”
Free · Two minutes · Yours to forward
Your plan’s costs are already public. Reading them is free.
Get the independent read of your health plan — and either the proof it’s well-run, or the shortlist of what to fix before renewal.