Health insurance for themodern employer

Prescience is the preeminent health benefits platform for the world's most ambitious companies.

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Illustration of a modern building with teams working across the rooftop, offices, and street level

Hiring benefits

Attract talent

Prescience offers your company the best health benefits and perks on the entire market.

Your Company

Platinum

Prescience Platinum Plan

Premium
Access
Perks
WearableGLP-1s$0 deductibleSame-day careGene testing

Series D co.

Bronze

Rippling Bronze Plan

FAANG

Gold

United Gold Plan

MBB

Silver

Blue Cross Silver Plan

Goldman/JPM

Silver

Cigna Silver Plan

Frontier Lab

Gold

Thatch Gold Plan

Same role. Same salary.

Industry-standard offer

Your Company

Senior Software Engineer · Remote

Dear Alex,

We’re thrilled to extend you an offer to join us as a Senior Software Engineer.

Base salary$215,000
Equity0.08% · 4y vest
Sign-on bonus$15,000

Benefits

  • Aetna via Rippling PEO · $1,700 deductible
  • $148/mo employee premium
  • $50/mo gym reimbursement
  • 14–26 day MD wait
Sincerely,
Recruiting Team

Prescience-powered offer

Your Company

Senior Software Engineer · Remote

Dear Alex,

We’re thrilled to extend you an offer to join us as a Senior Software Engineer.

Base salary$215,000
Equity0.08% · 4y vest
Sign-on bonus$15,000

PlatinumPrescience benefits

  • $0 employee premium · effective $0 deductible
  • Wearable, GLP-1s, gene testing included
  • Same-day MD & 24/7 Care Companion
  • Mental health & fertility, in-network
Sincerely,
Your Founding Team

Alex C. took the Prescience offer, and so would 80% of hires, who say they’d pick richer benefits over a pay raise.Harvard Business Review

Cost Savings

Save /year

Prescience is the only solution that turns reactive health spend into proactive health savings.

Teams working on a modern rooftop terrace

If your company has employees on a health plan:

READY
RIPPLING PEO
Fully-insured · master health plan
Plan year 2025–26100–250 employees
Group #PEO-2026Itemized
CARRIER PREMIUM
Inpatient claims allowance$508K
Outpatient claims allowance$385K
Specialty / surgical claims$228K
Emergency department claims$81K
Preventive care visits$65K
Lab & imaging claims$74K
Behavioral health claims$51K
Carrier underwriting margin$159K
Administrative loading$74K
IBNR / reserves loading$163K
Premium tax (2.1%)$42K
ACA reinsurance fee$19K
Risk corridor assessment$16K
Eligibility verification overhead$19K
+12 more fees$991K
PHARMACY (PBM)
Drug ingredient cost$95K
Specialty drug ingredient cost$37K
PBM spread pricing$28K
PBM rebate retained by PBM$25K
PBM admin fee$11K
Specialty drug markup$16K
Compounding fees$7,875
Prior authorization processing$4,375
Drug utilization review$3,500
Manufacturer coupon adjudication$1,750
+8 more fees$98K
NETWORK & UTILIZATION
Network access fee$19K
Facility fee markup$26K
Out-of-network repricing$8,750
Network leakage cost$12K
Provider directory maintenance$7,000
Medical management / UR$12K
Stop-loss premium loaded$65K
Aggregate stop-loss buffer$19K
OON surprise bills$23K
Disease management program$8,750
+8 more fees$156K
BROKER & DISTRIBUTION
Broker commission (3.5%)$77K
GA override (1%)$21K
Marketing & distribution$14K
Renewal rate-up buffer$21K
PEO sales loading$18K
Account executive fees$6,125
Open enrollment events$3,500
Annual benefits fair$1,750
+6 more fees$64K
PEO ADMIN
PEO benefits admin$46K
Compliance / 5500 filings$11K
COBRA administration$5,250
Open-enrollment processing hours$12K
TPA setup & renewal$18K
Benefits portal license$11K
HR support hours$6,125
ACA reporting (1094 / 1095)$7,875
Wellness & engagement license$6,125
Onboarding / offboarding ops$5,250
+8 more fees$72K
ANCILLARY
Dental premium (loaded)$51K
Vision premium (loaded)$18K
HRA contributions$37K
Wellness program$16K
EAP service$14K
Mental health add-on$14K
Critical illness rider$9,625
Accident insurance rider$7,875
Pet insurance discount admin$8,750
+7 more fees$107K
STATIC HSA (YOU EAT THE DEDUCTIBLE)
Employer HSA seed (flat)$123K
Deductible top-ups absorbed$16K
HSA bank maintenance$5,250
HSA debit card fees$11K
HSA investment fund fees$7,875
Account closure on attrition$4,375
+4 more fees$29K
TOTAL$2.9M
per employee$16,800
PMPM$1,400
Thank you for your payment.Increases by 10% next year, automatically.
READY
Self-funded · Platinum
Plan year 2025–26100–250 employees
Group #PRE-2026Itemized
CARE & PHARMACY
Prescriptions & pharmacy$175K
Medical, specialist & hospital care$840K
High-cost claim protection$44K
+1 more fee$44K
DYNAMIC HSA (NO OUT-OF-POCKET DEDUCTIBLE)
Dynamic HSA funding$350K
Payroll tax savings-$27K
Tax savings, passed back to employees-$123K
HSA balances grow tax-free, foreverincluded
+2 more fees-$123K
PLATINUM BENEFITS
GLP-1sincluded
Free Wearableincluded
Gene sequencingincluded
24/7 AI Care Companionincluded
+2 more feesincluded
WHAT WE DON'T CHARGE
Admin fees$0.00
Broker commissions$0.00
PBM spread$0.00
Carrier margin loading$0.00
Renewal rate-ups$0.00
Hidden markups$0.00
+4 more feesincluded
TOTAL$1.3M
per employee$7,200
PMPM$600

Employee experience

Delight employee

Prescience gives your team the healthcare experience they always wished they had.

Member dossier · Confidential

Welcome to

Your team's Day 1 benefits packet, opened by every new hire on their first morning.

Group
Acme, Inc. · 240 employees
Plan
Prescience Platinum
Network
Direct + Tier 1, curated
Coverage
100% in-network
Effective
May 2026
HSA
Dynamic · funded on usage
Page 1 of 6 · Issued May 2026

Next step

Upgrade your employee experience

Your employees are tired of calling a 1-800 number off an old directory. Prescience centers care with a 24/7 care companion, easy to understand plan documents, and affordable options. No more denials, delays, and deductibles.

Our Platform

One Thing

Prescience gives you time back with a dedicated MD team providing white-glove service.

Design

Custom plan in days, not months.

Our MD-led team designs a plan tailored to your company. No brokers and middlemen. White glove support included.

Prescience Platinum Planv3.2 · recommended

Acme, Inc. · 240 employees

  • Deductible$1,500
  • OOP max$4,500
  • HSA contribution$1,200 / yr
  • Premium tierPlatinum
  • NetworkDirect + Tier 1
Onboard

Two-click employee setup.

Branded cash pay cards, virtual insurance cards, and best-in-class benefits powered by Prescience's leading fintech innovations.

Enrolled this week246 / 247
  • KL
  • MS
  • RC
  • TA
  • JP
  • AO
  • +240
Operate

Zero admin overhead.

Claims, COBRA, ACA filings, payroll sync, plan reserves typically take hours away from your team. We do it for you.

  • ACA 1094 / 1095Filed
  • Form 5500Filed
  • COBRA noticesAuto-sent
  • Payroll · GustoSynced 2m ago
  • Plan reserves$1.24M ready
  • HSA contributionsAuto-funded
  • Claims adjudicationReal-time
  • Stop-loss filingSubmitted

Handled automatically. No employer input required.

Predict

Predict every route. Route care with AI.

Prescience's foundation model predicts the ideal route for every patient. We autonomously deploy for your employees.

Time Machine model
J. Okonkwo · 34

Predicted events

  • ER visit4 mo · $8,200
  • MSK surgery8 mo · $18,400

Total · $26,600

Ideal route

  • Tier 1 PTnext week · $420
  • Same-day imaging2 wk · $470

Total · $890

Cost avoided

Predicted path vs. AI-routed care

$25.7K

Improve

Healthier teams. Lower spend. Every quarter.

Healthier employees show up more, stay longer, and refer their colleagues to join your company. Prescience routes care so your team, P&L, and company culture get healthier.

Healthy work days reclaimed

Healthier employees show up more, stay longer, and refer their colleagues to join your company. Prescience routes care so your team, P&L, and company culture get healthier.

Per employee · 1 yr
Industry avg28 days lost
With Prescience4 days lost

Poor health costs U.S. employers $530B and 1.4B lost work days a year.Integrated Benefits Institute

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