Your fastest-growing cost line has a fix.
Give your employees access to transparent, direct-pay care. Reduce procedure costs by 25–30%. Predictable pricing. Zero claims administration.
Self-funded plans are bleeding.
Costs up year over year
Plan spend keeps climbing.
And no one can tell you why for any single claim.
Confusing EOBs
Employees can't read their statements.
They don't understand what's covered, in-network, or owed.
HR overhead
Your benefits team is a billing-dispute desk.
Mediating claims that have nothing to do with care.
Unpredictable exposure
One catastrophic claim reshapes the year.
The plan math changes when one member's bill comes in.
A direct-pay benefit layer
Add Care Cadet
As a direct-pay benefit alongside your existing self-funded plan.
Employees browse
And book procedures at transparent cash prices.
Pay direct, no intermediary
Your plan pays the procedure cost directly. No claims processing.
Illustrative ROI
A 50-person team. Real math.
If 10 employees need an imaging procedure annually at an average of $600 direct-pay vs. $1,400 insurance out-of-pocket equivalent.
Estimated annual savings
$8,000
For one procedure category. Multiply across imaging, labs, and outpatient surgery for full plan impact. Figures illustrative; verified per employer during discovery.