Prescience offers your company the best health benefits and perks on the entire market.
Mission Creek Park
Potrero Hill
Yerba Buena
Mission Bay
SOMA
Financial District
Dogpatch
Mission Bay
Mission District
3rd St corridor
JKALTSBCRM
Series D co.
Bronze
Rippling Bronze Plan
Premium★★★★★
Access★★★★★
Perks★★★★★
FAANG
Gold
United Gold Plan
Premium★★★★★
Access★★★★★
Perks★★★★★
MBB
Silver
Blue Cross Silver Plan
Premium★★★★★
Access★★★★★
Perks★★★★★
Goldman/JPM
Silver
Cigna Silver Plan
Premium★★★★★
Access★★★★★
Perks★★★★★
Frontier Lab
Gold
Thatch Gold Plan
Premium★★★★★
Access★★★★★
Perks★★★★★
Benefits card
Your Company
Diamond
0000 2026 PRE SCI
Plan
Prescience Diamond
Employee premium
$0
Premium
★★★★★
Access
★★★★★
Perks
★★★★★
Wearable · GLP-1s · HSA funded at care
Benefits card
Your Company
Diamond
0000 2026 PRE SCI
Plan
Prescience Diamond
Employee premium
$0
Premium
★★★★★
Access
★★★★★
Perks
★★★★★
Wearable · GLP-1s · HSA funded at care
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. One easy choice.
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
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
DiamondPrescience benefits
$0 employee premium · employer-funded HSA at care
Wearable, GLP-1s, gene testing included
Same-day MD & 24/7 Care Companion
Triple-tax-advantaged HSA, invest and grow
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 turns reactive health spend into proactive health savings.
Illustrative comparison based on the selected plan and headcount, not a quote. Actual costs depend on plan design, geography, and claims.
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
PEO
Fully-insured · master health plan
Plan year 2025–26100–250 employees
Group #PEO-2026Itemized
CARRIER PREMIUM
Inpatient claims allowance$399K
Outpatient claims allowance$302K
Specialty / surgical claims$179K
Emergency department claims$63K
Preventive care visits$51K
Lab & imaging claims$58K
Behavioral health claims$40K
Carrier underwriting margin$125K
Administrative loading$58K
IBNR / reserves loading$128K
Premium tax (2.1%)$33K
ACA health insurer fee$15K
Risk adjustment user fee$12K
Eligibility verification overhead$15K
+12 more fees$777K
PHARMACY (PBM)
Drug ingredient cost$74K
Specialty drug ingredient cost$29K
PBM spread pricing$22K
PBM rebate retained by PBM$19K
PBM admin fee$8,225
Specialty drug markup$12K
Compounding fees$6,213
Prior authorization processing$3,413
Drug utilization review$2,713
Manufacturer coupon adjudication$1,400
+8 more fees$75K
NETWORK & UTILIZATION
Network access fee$15K
Facility fee markup$21K
Out-of-network repricing$6,913
Network leakage cost$9,625
Provider directory maintenance$5,513
Medical management / UR$9,625
High-cost protection load$51K
Aggregate risk buffer$15K
OON surprise bills$18K
Disease management program$6,913
+8 more fees$123K
BROKER & DISTRIBUTION
Broker commission (3.5%)$60K
GA override (1%)$17K
Marketing & distribution$11K
Renewal rate-up buffer$17K
PEO sales loading$14K
Account executive fees$4,813
Open enrollment events$2,713
Annual benefits fair$1,400
+6 more fees$51K
PEO ADMIN
PEO benefits admin$36K
Compliance / 5500 filings$8,225
COBRA administration$4,113
Open-enrollment processing hours$9,625
Plan setup & renewal$14K
Benefits portal license$8,225
HR support hours$4,813
ACA reporting (1094 / 1095)$6,213
Wellness & engagement license$4,813
Onboarding / offboarding ops$4,113
+8 more fees$56K
ANCILLARY
Dental premium (loaded)$40K
Vision premium (loaded)$14K
HRA contributions$29K
Wellness program$12K
EAP service$11K
Mental health add-on$11K
Critical illness rider$7,525
Accident insurance rider$6,213
Pet insurance discount admin$6,913
+7 more fees$84K
STATIC HSA (YOU EAT THE DEDUCTIBLE)
Employer HSA seed (flat)$96K
Deductible top-ups absorbed$12K
HSA bank maintenance$4,113
HSA debit card fees$8,225
HSA investment fund fees$6,213
Account closure on attrition$3,413
+4 more fees$22K
TOTAL$2.3M
per employee$13,200
PMPM$1,100
Thank you for your payment.Increases by 10% next year, automatically.
0026 40 0000 200
READY
PWRPAPDAT
PRESCIENCE PRINTERTM-200 · THERMAL
Diamond plan
Plan year 2025–26100–250 employees
Group #PRE-2026Itemized
CARE & PHARMACY
Prescriptions & pharmacy$175K
Medical, specialist & hospital care$1.1M
High-cost claim protection$44K
+1 more fee$44K
JUST-IN-TIME HSA (NO OUT-OF-POCKET DEDUCTIBLE)
Just-in-time HSA funding$350K
Payroll tax savings-$26K
Tax savings, passed back to employees-$123K
HSA balances grow tax-free, foreverincluded
+2 more fees-$123K
DIAMOND 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$1.5M
per employee$8,400
PMPM$700
0016 80 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 Diamond
Network
Direct + Tier 1, curated
Coverage
100% in-network
Effective
May 2026
HSA
Just-in-time funding
Instant Triage
24/7 Companion.
Describe how you feel. The AI companion incorporates data from your wearables alongside your medical records to get ahead of health issues before they become problems. We also loop in real Prescience MDs where needed who help triage your case instantly and route you to the right care.
Wearable data incorporated with your medical records
Health risks addressed before they become problems
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
Just-in-time HSA
An HSA that funds itself.
With Prescience, contributions land in employee HSAs that are triple-tax-advantaged, money goes in pre-tax, grows tax-free, and comes out tax-free for health. Employers save, and employees keep more.
Triple-tax-advantaged: pre-tax in, tax-free growth, tax-free out
Up to $1,700 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
Diamond · 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 Diamond Planv3.2 · recommended
Acme, Inc. · 240 employees
Deductible$1,700
OOP max$4,500
HSA support+3k in tax-free pay
Premium tierDiamond
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
Risk protection filingSubmitted
Handled automatically. No employer input required.
04
Predict
Predict healthy timelines. Route with prescience.
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.