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
vs.
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
AC
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 every year
Prescience is the only solution that turns reactive health spend into proactive health savings.
If your company has employees on a health plan:, here’s where your money is actually going.
READY
PWRPAPDAT
PEO PRINTERTM-200 · THERMAL
PEO PLAN
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.
0033 60 0000 200
READY
PWRPAPDAT
PRESCIENCE PRINTERTM-200 · THERMAL
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
0014 40 0000 200
Employee experience
Delight every employee
Prescience gives your team the healthcare experience they always wished they had.
Member dossier · Confidential
Welcome to Acme, Inc.
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
Instant Triage
24/7 Companion.
Describe how you feel. The AI companion pulls in your Apple Health vitals, wearable data, and past medical records. We also loop in real Prescience MDs where needed who help triage your case instantly and route you to the right care.
Apple Health vitals and wearable data, auto-synced
Past medical records loaded for context
Real Prescience MDs loop in when it matters
Routed to the right care in minutes, not days
Getting Care
Find care, instantly.
No more outdated directories or surprise bills. Search for any service and see real wait times and upfront copay rates before you book. The world's most transparent health plan.
Real wait times from contracted providers
Upfront copay rates with every booking
Same-day or next-day availability
Balance$0.00
Dynamic HSA
An HSA that funds itself.
With Prescience, we dynamically allocate contributions based on actual deductible usage into employee HSA accounts. Employers save, and patients get tax savings via HSA.
Dynamic allocation tracks real deductible usage
Up to $1,000 per employee per year reclaimed
Spend on the Prescience Marketplace: Eight Sleep, WHOOP, Function, Oura
Past contributions roll forward into quality-of-life years
Hari S.
Acme, Inc. · Member 2026
Nametag
Prescience
Health Insurance
PLATINUM
Member
Hari Seldon
Member ID
PRS-2026-1042
Group
Acme, Inc.
Plan
Platinum · Direct + Tier 1
Rx BIN
004336
Effective
05/01/2026
Insurance
HSA debit
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.
Prescience gives you time back with a dedicated MD team providing white-glove service.
01
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
02
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
03
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.
04
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
05
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.