TIER ZERO.
The layer of healthcare your insurance plan was never built for.
Most premium increases come from a small number of predictable, high-frequency claims. Things like an urgent care visit, a generic prescription, a behavioral health touchpoint. Those claims should never have hit the insurance plan in the first place. Tier Zero is what we built to handle them.
What Tier Zero Includes.
Direct primary care. Unlimited visits. No copay. No claim filed.
Virtual urgent care, 24 hours a day, seven days a week.
Behavioral health visits, scheduled in 48 hours or less.
Generic pharmacy at acquisition cost, with no PBM spread.
Basic labs and imaging, bundled and direct billed.
Why Tier Zero Changes the Math.
When your employees get most of their care through Tier Zero, your insurance plan sees fewer claims. Fewer claims means lower stop loss costs, lower renewal pressure, and a plan that finally starts behaving the way it was designed to behave.
Tier Zero is built into every Direct Pay Designs blueprint. You do not have to assemble the parts yourself. We do that. And we measure it for you, so the savings are not a projection, they are a number you can see in 90 days.
Employers using a Tier Zero design with Direct Pay Designs typically see 30 to 40% in total cost savings in year one. Ask us for the math behind it.
Why we call it Tier Zero.
Most health plans have three tiers:
Tier 1 is in-network care.
Tier 2 is out-of-network care.
Tier 3 is the stuff your plan does not cover at all.
We added a layer underneath all of that. Care that gets handled before the plan even has to think about it. Tier Zero.
We did not invent the parts. We invented the layer. We measure it. We pay brokers a flat consulting fee to bring it to their clients. And we are the only general agency in the country building it the way we build it.
See how a Tier Zero design would look for your group.
Book a 30 minute Blueprint Review. We will design it with you on the call.
Hassle Free Healthcare. Built to Be Used. Rebels with a Blueprint, designing the health plan your renewal has been waiting for.
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