For Brokers & Advisors
A benefit your clients haven't seen, with outcomes they can measure.
Keep the carrier. Keep the network. Add the facility layer: independent scores for hospitals, surgery centers, IVF clinics, nursing homes, and every category where the record exists and nobody reads it. Better outcomes at the site of care, and a story you can tell in one sentence at renewal.
Talk to us →See the employer page
Medicare pays ambulatory surgery centers roughly half of what it pays hospital outpatient departments for the same procedure.
Source: MedPAC payment analysesof US nursing homes carry federal penalties on the public record, and 99.6% have documented deficiencies.
Source: zReports analysis of CMS Nursing Home Compare, 14,600+ facilitiesemployees is also a family caregiver, making facility decisions that never appear in claims but land in absence and turnover.
Source: AARP / National Alliance for CaregivingThe outcome story you bring to renewal
Hospitals & surgery
Fewer complications and readmissions
CMS publishes mortality, safety, and readmission measures for every certified hospital and post-procedure outcomes for every surgery center. Employees who can see the record choose the higher-rated site more often.
IVF, dialysis, oncology
Fewer cycles, fewer admissions
CDC live-birth rates by age, dialysis survival-versus-expected and infection ratios, accredited cancer programs: outcome data that separates the clinic to choose from the one closest to home.
Nursing, rehab, home health
Fewer crises, more retained caregivers
Staffing, deficiencies, penalties, and preventable-hospitalization records predict the placements that go right, and the ones that become 2 a.m. calls to your client's employee.
Public quality measures describe facilities, not individual results. Client outcomes are measured in their own data, under our protocol.
How it lands with a client
Pick the right groups
Self-funded, family-heavy, distributed or hourly workforces: warehouses, movers, retail, healthcare, municipalities. Anywhere caregivers and young families are the workforce.
Add it alongside the plan
No network change, no carrier conversation, no eligibility file. It layers onto fully insured and self-funded plans alike.
Employees claim by code
The employer code goes into open enrollment materials. Employees create their own account and activate with their work email. Live in days.
Bring numbers to renewal
Quarterly aggregates: households enrolled, engaged, checks by category. “We moved X employees to facilities with stronger zScores.”
Why it differentiates you
Universal. Doctor-steering covers the people who happen to need a doctor this year. IVF, eldercare, addiction, child care: every family will go through at least one. The benefit's moment comes for 100% of households.
Non-disruptive. Nothing on the plan changes. It is the rare addition that creates no carrier conversation and no IT project.
Independent. No facility can pay to be listed, ranked, or scored. Published, DOI-registered methodology. That is the sentence a benefits committee remembers.
What we hand you
The employer deck
The four decisions, the claims-blind map, the three measurement layers. Built for a 20-minute meeting.
The one-page benefit summary
Everything an HR lead needs to say yes, on one page.
A live demo account
Show the record, the zScore, and the agent on any real facility in your client's metro, in three minutes.
Employee communications kit
Enrollment copy, intranet blurb, and the activation email. Ready to paste.
Half the map, uncontested
Claims-based tools optimize the claims file. Roughly half of a family's consequential care decisions never enter it: the parent on Medicare, the cash-pay therapist, the self-pay clinic, the child care center. A records-based score works there because it needs no claims feed. Your client gets the visible half at the facility layer, and the invisible half alone.
| Family decision | Why claims-based tools cannot see it | Why the employer still pays |
|---|---|---|
| A parent's nursing home, hospice, or home health | Medicare's bill, not the plan's | The caregiving employee's hours, absence, and turnover |
| Therapy | Most therapists are cash-pay or out of network | Presenteeism, leave, attrition |
| Addiction treatment | Families pay cash, out of network, in crisis | Relapse cycles, FMLA, a family in crisis at a desk |
| IVF | Self-pay at most employers | Leave, stress, retention of the people building families |
| Care for a spouse or child on another plan | Only own-plan members are visible | Every bad decision routes home through the employee |
| Child care | Not a healthcare claim at all | Working-parent retention |
Questions brokers ask
Does this conflict with the carrier or an existing navigation vendor?
No. It layers alongside any plan and complements doctor-steering tools; we cover the facility layer and the decisions claims-based tools cannot see.
What does implementation involve?
An employer code in the enrollment materials. No eligibility file, no integration. Employees self-enroll with their work email.
Who supports the employees?
The platform does: the record, the report, and AI Agents for Decisions, 24/7. There is no concierge payroll in the price, which is why it stays simple.
Does zReports touch claims or PHI?
No. Aggregate reporting only. The dollar study runs inside the client's own data, under our protocol.
How is it priced, and how are advisors compensated?
A simple per-employee-per-year price and a simple, flat advisor arrangement that includes renewals. We walk through both on a short call.
Is there a guarantee?
Yes, an engagement commitment that protects the client if employees do not use it. Details on the call.
Bring your clients something they haven't seen.
Fifteen minutes to see the demo and the deck.