Weltrio helps companies take control of healthcare spending without reducing employee benefits. By eliminating wasteful spending, guiding employees to smarter choices, and ensuring fair pricing, Weltrio creates long-term savings while improving healthcare quality. Companies overpay for healthcare due to hidden costs, high prescription drug prices, and inefficient insurance plans. With Weltrio, businesses can lower expenses, improve employee benefits, and take control of their healthcare spending.
Weltrio helps businesses reduce healthcare costs by:
Educating employees on smart healthcare choices.
Educating employees on personal health choices that impact long-term health
Offering transparent pharmacy benefit management.
Where applicable: negotiating direct contracts with hospitals and providers.
Analyzing data to eliminate unnecessary expenses.
Companies can start working with Weltrio immediately, even if they’re already self-insured. Weltrio offers two payment options:
A shared savings model where the company only pays if they save money.
A flat fee per employee per month, providing predictable costs.
No! Self-funded companies can start immediately and see savings in 1-3 months. Fully funded companies may take longer, but Weltrio helps them transition smoothly.
Weltrio is not an insurance company. Instead, they work with a company’s HR team to optimize existing benefits and eliminate unnecessary costs. If needed, they can introduce trusted insurance partners.
No. While we offer services like 24/7 nurse support and health education—features you might see in wellness programs—our focus is on reducing unnecessary healthcare costs. Traditional wellness programs are sometimes criticized for privacy concerns, one-size-fits-all approaches, and limited effectiveness. Weltrio avoids these issues by using transparent cost analysis and direct contract negotiations to enhance your existing benefits without being intrusive.
Weltrio is not a typical wellness program—it’s a healthcare cost-saving system. Employees sign up and participate in quarterly meetings, where they learn how to lower their medical costs and improve their health. Instead of optional challenges, they get real, immediate financial benefits through smarter healthcare decisions.
Most companies see savings within 1-3 months. Changes like pharmacy cost reductions can happen almost immediately, while larger shifts, like provider contract negotiations, take a little longer.
Weltrio reviews claims data, pharmacy usage, and provider contracts to understand where costs can be reduced.
No! Weltrio works within your existing insurance plan to reduce costs without requiring a provider change. However, if you are overspending, Weltrio will suggest more cost-effective plans and programs.
Yes! Weltrio’s tools and services integrate smoothly with most HR benefits platforms.
No. If the company wants to continue with their current benefit plan, employees will continue receiving the care they need, but at lower costs. Weltrio makes the transition seamless and beneficial for everyone. If there are more cost-effective plans available, Weltrio will recommend the best plan for the company’s population and help each employee understand any new benefits. Weltrio understands that changes to health plans can be disruptive. Weltrio will work directly with employees, educating them on new benefit plans and fielding any questions from employees related to benefit changes, relieving HR of any transition pains.
Weltrio uncovers hidden costs, eliminates overpayments, and finds better-priced alternatives to help businesses maximize savings. Many companies have reduced their healthcare expenses by up to 50% with our solutions. Plus, if we don’t find savings, you pay nothing. Our commitment doesn’t stop there—quarterly reviews ensure we continuously identify new cost-saving opportunities. Before open enrollment, we provide a detailed report with recommended plan adjustments, leveraging the latest healthcare trends to promote cost-effective care while discouraging unnecessary expenses.
No. Employees keep their same insurance, doctors, and pharmacies. Weltrio works in the background to reduce costs and guide employees to better-priced care. Implementation is smooth, with minimal HR involvement and ongoing support.
Yes. Weltrio handles nearly everything. HR provides data upfront, and Weltrio manages analysis, savings implementation, and employee education. Employees receive direct support, so HR spends less time answering healthcare questions. The result is lower costs without extra effort from your team.
It’s natural for employees to be hesitant about change, but Weltrio isn’t taking anything away—it’s giving them better healthcare at lower costs. Here’s why employees actually appreciate Weltrio:
No Loss of Benefits—Only Gains – Employees keep their same insurance, doctors, and providers. The only change is lower out-of-pocket costs and smarter healthcare choices.
Immediate Savings They Can See - Instead of paying $50 for a prescription, they may pay $10. Instead of an $800 medical bill, it could be $200. Employees see the difference in their wallets.
One-on-One Support – Employees don’t have to figure this out alone. They meet quarterly with a Weltrio health advocate who helps them understand how to get the best care at the lowest cost.
No Extra Work for Employees – Unlike typical wellness programs that require tracking steps or attending fitness challenges, Weltrio’s participation is simple: show up to a quarterly meeting, get healthy, and save money.
A self-insured company pays its employees' healthcare costs directly instead of using a traditional insurance plan. This allows companies to save money but also requires smart cost management.
Many companies overpay because:
They lack the expertise to negotiate better rates.
They don’t have transparent pricing data.
They choose generic health plans instead of custom solutions.
Medical costs keep rising without a plan to manage spending.
Their HR teams struggle to keep up with healthcare regulations and claims.
Sure! ABC Manufacturing had 500 employees and thought they were saving money by choosing a low-cost health plan. However:
They paid $2,500 for an MRI, while another company with better-negotiated rates paid $800 for the same scan.
They didn’t know what they were overpaying for because they lacked pricing data.
They were stuck in a generic health plan that didn’t fit their employees’ needs.
Costs rose every year, but they had no strategy to control spending.
HR struggled to manage claims and compliance rules.
It is complex, but here are some highlights
Negotiated better provider rates, lowering MRI costs from $2,500 to $800.
Used data analytics to remove wasteful spending.
Built a custom plan tailored to employee needs.
Managed the entire process so HR could focus on other tasks.
Initially, they might have concerns, change can be difficult—but after their first meeting, the answer is no. Employees not only keep their current coverage, but they also save money while gaining better understanding and access to care. With Weltrio, they receive ongoing support through quarterly check-ins with health advocates who help them set and achieve personal health goals. Instead of navigating the complexities of healthcare alone, they have expert guidance to make smarter, more cost-effective decisions. Weltrio serves as their personal health advocate, and if they ever have questions we can’t answer, we’ll call their insurance provider or doctor with them to ensure they get the information they need.
Unlike traditional wellness programs, Weltrio isn’t about tracking steps or joining fitness challenges—it’s about real financial and personal health benefits. Employees save money by learning how to reduce healthcare costs through personalized, quarterly meetings with a health advocate. Rather than generic advice, they receive tailored guidance to improve their health while cutting expenses. To drive engagement, Weltrio recommends strategic incentive programs, and most companies incorporate participation as part of their benefits package. The more employees involved, the greater the savings for both the company and its workforce.
Each employee meets individually with a Weltrio coach on a quarterly basis. During these quarterly meetings, the employee sets health objectives (goals) and receives valuable, relevant education, clear guidance, cost-comparison tools, and one-on-one support to help employees choose affordable care options without sacrificing quality.
Yes! Weltrio offers online resources, cost estimators, and direct support to help employees find the best-priced healthcare services.
By offering financial incentives, educational programs, and concierge services, Weltrio guides employees toward the best-value care.
Weltrio provides HR teams with training, reporting tools, and ongoing support to ensure cost-saving measures are successfully implemented.
No. Weltrio operates with full transparency—no hidden fees, no extra charges. You only pay if you save money. Companies can choose a shared savings model or a predictable flat-fee model. Employee benefits remain the same; savings come from reducing unnecessary spending and educating employees how to navigate the current health system optimally.
Unlike traditional cost-cutting approaches, Weltrio finds savings without reducing benefits. It focuses on transparent pricing, smart provider selection, and eliminating hidden fees.
Weltrio creates custom solutions to match each company’s priorities, ensuring cost savings don’t come at the expense of employee health or satisfaction.
Yes! Whether a company has 200 employees or 5,000+, Weltrio customizes solutions to fit each organization’s size and needs.
Weltrio provides continuous support by monitoring cost-saving opportunities, adjusting strategies as needed, and offering expert guidance. Additionally, Weltrio meets quarterly with each employee to act as their personal health advocate, helping them set and achieve customized health goals.
Success is measured by real cost savings and improved employee health. Many Weltrio clients save 50-60% on healthcare costs while improving benefit quality.
Self-insurance risks include high claims costs, cash flow issues, and complex administration. Weltrio helps by structuring stop-loss coverage correctly, negotiating provider discounts, and managing claims efficiently.
Weltrio guides businesses through every step, from setting up stop-loss coverage to building a customized plan and then helps the employees with all claims and insurance questions so the HR team does not have to. Companies get expert support to transition smoothly and avoid common mistakes.
Stop-loss insurance protects self-insured companies from large, unexpected claims. Weltrio ensures companies have the right coverage, so they don’t overpay while staying protected from high-cost medical cases.
HR teams often struggle with complex healthcare regulations and claims. Weltrio handles compliance, claims analysis, and cost management so HR can focus on employee support.
Weltrio reviews drug pricing across different pharmacies and PBMs to identify costly prescriptions. If a medication is significantly overpriced, Weltrio finds lower-cost alternatives without changing treatment effectiveness.
Yes! Sometimes, the same medication costs much less at a different pharmacy. Weltrio helps employees find the most affordable options without switching prescriptions.
Weltrio educates doctors on cost-saving options and provides data on lower-cost alternatives. If a high-cost drug is prescribed, Weltrio can suggest a more affordable option that provides the same benefits.
Weltrio ensures specialty drug costs are controlled by requiring lower-cost alternatives to be tried first, negotiating better pharmacy pricing, and preventing copay assistance programs from driving up employer expenses.
Yes! Weltrio provides employees with cost comparison tools and pharmacy recommendations to help them choose the lowest-cost option for their medications.
Prices vary because pharmacies set their own prices, and PBMs negotiate different rates. Employees might pay a fixed copay, but the employer covers the rest, which could be much higher than necessary.
Companies can save money by:
Encouraging employees to use price-transparent pharmacies.
Promoting generic drugs instead of expensive brand-name medications.
Negotiating direct contracts with transparent pharmacies.
Avoiding “new” brand-name drugs that are just expensive combinations of cheap generics.
Specialty drugs are medications used to treat serious conditions like cancer, autoimmune diseases, and rare disorders. These drugs often require special handling, storage, and administration, which makes them costly. Because they are complex and sometimes newly developed, their prices are much higher than regular medications.
These programs are designed to help patients afford expensive specialty drugs. Drug manufacturers offer financial assistance to lower a patient’s out-of-pocket costs. However, while this helps individuals, it shifts costs to employer-sponsored insurance plans, making healthcare more expensive for everyone else.
Sure! Let’s look at Sarah, who needs a specialty drug costing $30,000 per month:
Her insurance requires her to pay a $1,000 deductible and 20% coinsurance until she reaches a $4,000 maximum out-of-pocket (MOOP) limit.
Normally, her first prescription would cost her $4,000, and after that, insurance would cover the full cost.
A copay assistance card from the drug company pays her $4,000 MOOP, so she only pays the copay assistance copay of $20.
The drug company then charges the remaining $26,000 to the employer’s insurance plan.
For the rest of the year, Sarah pays nothing, but her insurance plan covers the $30,000 per month cost.
It is complex, but here are some highlights
Patients don’t see the true cost of their medications.
Insurance companies absorb high costs, leading to increased premiums for everyone.
Lower-cost alternatives often exist, but patients aren’t required to try them first.
Solutions like Weltrio help by:
Preventing copay assistance from counting toward deductibles, ensuring drug manufacturers contribute more.
Requiring patients to try lower-cost options before expensive alternatives.
Finding cost-effective pharmacies to save thousands per prescription.
PBM stands for Pharmacy Benefit Manager. PBMs act as middlemen between drug manufacturers, insurance companies, and pharmacies. They negotiate prices and determine which drugs are covered by insurance plans.
Drug manufacturers offer rebates (discounts) to PBMs in exchange for placing their drugs on a preferred list. However, these rebates don’t usually lower costs for patients or employers.
Sure! Let’s say a drug company wants its new diabetes medication to be covered by an insurance plan:
The PBM agrees to include it but only if the manufacturer provides a rebate.
The drug costs $500 per month, and the PBM gets a $100 rebate.
Instead of passing the savings to patients or employers, the PBM keeps the rebate.
PBMs prioritize expensive drugs with bigger rebates, even if cheaper alternatives exist.
It is complex, but here are some highlights
Patients and employers don’t see the true cost of medications.
PBMs favor higher-priced drugs to get bigger rebates.
Drug manufacturers increase prices to offset rebate costs, making medications even more expensive.
Companies can save money by partnering with transparent PBMs recommended by Weltrio, which ensures:
All rebates and kickbacks are returned to the employer sponsored health insurance plan.
Lower-cost medications are prioritized.
Pricing is clear, eliminating hidden fees.
Weltrio analyzes claims data, pharmacy costs, and insurance spending to find hidden fees and unnecessary expenses. By comparing what you pay to industry benchmarks, Weltrio identifies areas where you can save money without reducing care quality.
Yes! Weltrio negotiates and finds lower prices with pharmacies and providers, and directs employees to high-quality, lower-cost options. For example, instead of paying $2,500 for an MRI, Weltrio can find a nearby provider that offers the same scan for $800.
Weltrio focuses on cost-effective, high-quality healthcare providers. By guiding employees toward the best-value care, they receive the treatment they need without overpaying. Weltrio also promotes early care to prevent expensive complications.
Hidden fees include PBM rebates that don't go to employers, excessive administrative costs, and inflated service charges. Weltrio works with transparent partners, ensuring companies only pay for the true cost of care.
Weltrio is fully virtual. Employees meet online with health advocates, use digital tools to compare costs, and access support via phone, email, text, or chat. They don’t need to change doctors—just learn how to make smarter, cost-effective healthcare choices from anywhere.
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Weltrio helps businesses slash healthcare costs without compromising employee benefits. Our data-driven strategies keep premiums flat, ensuring long-term savings and quality care.