Health Plan with Transperra
Pair your health plan with guided care purchasing and personal support.
- Medical navigation and cost containment
- Exclusive Transperra prescription advocacy
- Qualifying $0 out-of-pocket for eligible covered navigated care
Better Care Purchasing. Personal Support.
Lower healthcare costs for your business. Care your employees can afford to use.
Transperra works with your health plan to reduce medical and prescription costs through personal navigation, clinical support, and better care purchasing. We reduce the underlying cost of care and use the savings to create a better plan.
$0 out-of-pocket is available for eligible covered care when the member’s plan includes the benefit and the member meets plan requirements and follows approved Transperra navigation arrangements.
Already a member? Get help.Break the Renewal Cycle
Another renewal should not mean another difficult tradeoff.
You want to take care of your employees without putting more pressure on your business. But every renewal can leave you choosing between paying more, reducing benefits, or asking employees to shoulder more of the cost.
A large network discount does not always mean an affordable final price. Transperra helps your plan address what care actually costs—and gives employees support navigating their options.
- 01
Find appropriate care options.
Our team combines pricing information and clinical support to help members understand available providers, services, and costs before planned care.
- 02
Arrange a better price.
We pursue negotiated pricing, direct contracts, cash-pay arrangements, bundled care, and prescription savings opportunities. Claims review and negotiation address additional opportunities when bills arrive.
- 03
Turn savings into better benefits.
Lower care costs help support personal guidance, program resources, and qualifying $0 out-of-pocket care under participating health plan arrangements.
What This Means for Your Employees
Someone to call. Help with the next step. Care they can afford.
Employees should not have to compare providers, understand confusing prices, or handle difficult billing questions alone. When their health plan includes Transperra navigation, they have a team to contact before planned care and support as they move through the process.
- 01
Contact Transperra.
Reach the team before planned care or when a prescription or bill needs attention.
- 02
Understand the options.
Get help evaluating available providers, pricing, and approved care arrangements.
- 03
Follow the approved arrangement.
Eligible members can qualify for $0 out-of-pocket on covered navigated care when that benefit is included in their health plan.
For eligible covered navigated care, members whose health plan includes the benefit and who follow approved arrangements can receive care with $0 out-of-pocket.
Services and benefits depend on the selected program, plan terms, eligibility, and approved arrangements. The medical out-of-pocket waiver does not apply to the PPO option.
An Easy Way to Reach Your Transperra Team
The app connects members with the team. Support is also available through approved channels for members without a smartphone.
Members without a smartphone can engage through counselor support or email. Required education and applicable navigation steps still apply.
- Care Guidance
- Prescription Advocacy
- Access
- Billing Support
- Chronic Disease Management
- Navigation Services and more
NatalieNew
I would like to get more info on the options
TransperraActive
Hi Natalie, we have identified 3 locations for your upcoming care that will qualify you for $0 out of pocket.
Behind the technology are people helping members take the next step.
Illustrative interface. Features and displayed benefits vary by implementation.
Choose the Approach That Fits
Different ways to bring Transperra into your benefits strategy.
Build around Transperra medical navigation and cost containment, retain PPO access with prescription advocacy, or offer employees both options through Transperra Bridge.
Transperra Bridge
Offer two health plan options so employees can choose at enrollment.
- One option with Transperra medical navigation and cost containment
- One option with PPO access
- Exclusive Transperra prescription advocacy on both options
Qualifying medical $0 out-of-pocket applies only to the option with Transperra medical navigation.
PPO with Transperra Rx
Retain PPO access and add exclusive prescription advocacy.
- PPO provider access
- Transperra prescription advocacy and available sourcing pathways
- Transperra medical navigation and its medical out-of-pocket waiver are not included
Availability depends on group eligibility, underwriting, participation, plan design, and available partners. Medical and prescription benefits depend on the selected plan and applicable program requirements.
Real Employers. Documented Results.
See what changing the way you buy care can accomplish.
Explore actual employer experience with Transperra, with the results and comparison periods explained.
HVAC Employer
Paid claims per enrolled employee were approximately 58% lower in 2023 and 50% lower in 2024 than in 2022, following the transition to a health plan supported by Transperra in 2023.
Enrollment grew from 41 to 75 employees across 2021–2025. Single-employer experience. Results vary and do not guarantee outcomes for another group.
Commercial Construction Employer
An interim report updated October 9, 2026 showed approximately 68% net medical reductions from billed charges, including $499,167 in reported net reductions from navigated medical engagements.
After applicable fees. This measures reductions from billed charges, not premium savings. Reporting cutoffs vary; this is not a completed full-year result.
Your Guide to Better Healthcare Purchasing
Experienced people. Useful information. Action on your behalf.
You should not have to become a healthcare purchasing expert to offer better benefits. Transperra brings the people, information, and practical support together around your health plan.
Personal Navigation and Clinical Support
Our navigators and clinical professionals help members understand available options, coordinate approved arrangements, and get help with care and billing questions.
Medical and Prescription Cost Containment
Negotiated care arrangements, prescription advocacy, and claims review help address the underlying cost of care before and after services.
Spectis Health and Member Technology
Spectis helps identify pricing differences and purchasing opportunities. The member app and CareSync help connect people with the team and coordinate next steps.
Lower care costs help support the people, technology, and program resources behind this work. Evaluate the complete result: what your plan pays after applicable fees and what your employees receive.
How fees support the program
The employer purchases an integrated program. Transperra may deliver services directly or through program partners and may use earned compensation to absorb selected access, subscription, administrative, or per-employee charges. Absorbed amounts are not charged again to the employer. This does not apply to every vendor or service. The agreement defines the savings benchmark, fee calculation, caps, included services, and separate charges.
Your Next Step
Start with a conversation about your current plan.
We’ll help you understand where Transperra may fit, what would change, and what information is needed to evaluate the options.
- 01
Review your current plan.
Discuss enrollment, renewal timing, current costs, and the challenges you want to address.
- 02
Compare available approaches.
Evaluate how Transperra services could fit with an appropriate health plan structure, including financial considerations and the employee experience.
- 03
Launch with support.
If you move forward, coordinate implementation, employee education, and ongoing assistance with the appropriate plan partners.
Talk With Our Team
Find out whether Transperra fits your business.
Tell us a little about your organization and what you want to improve. Our team will contact you to discuss the next step.
Already enrolled and need help with care, a prescription, or a bill? Visit Member Help or call 833-200-3095.
What is Transperra?
Transperra provides healthcare cost containment, navigation, and advocacy services that work with a health plan. We help address medical and prescription costs, coordinate approved care arrangements, and support members. Transperra is not the insurance carrier or the health plan itself.
Can Transperra work with our current health plan?
That depends on your plan’s funding arrangement, contracts, administrator, and selected services. We review your current structure and explain which Transperra services may fit and what changes may be needed.
Who is Transperra for?
Transperra works with employers and their advisors who want a more active approach to medical and prescription costs, along with practical support for employees. Available options depend on group eligibility, plan structure, underwriting, and the selected agreement.
What changes for employees?
When their health plan includes Transperra navigation, members contact the team before planned care so we can help evaluate appropriate options, coordinate approved arrangements, and confirm applicable benefits. Education and personal support help members understand the process. For an emergency, seek emergency care immediately or call 911; contacting Transperra first is not required.
Can members request a particular physician or facility?
Yes. When you request a particular physician or facility, we first explore whether a reasonable arrangement can be established there. Provider participation and pricing arrangements must be confirmed, and the choice of provider can affect applicable plan costs and eligibility for navigation benefits.
Can employees keep a PPO option?
Eligible employer groups can offer both an option with Transperra medical navigation and a PPO option through Transperra Bridge. Employees choose at enrollment. Medical navigation and its eligible $0 out-of-pocket benefit apply to the option with Transperra navigation. Exclusive prescription advocacy applies to both options.
Is every medical service $0 out-of-pocket?
No. The benefit applies to eligible covered navigated care when the member’s plan includes the benefit and the member meets plan requirements and follows approved arrangements. Members should contact Transperra before planned care to confirm the process and benefit. The medical waiver does not apply to the PPO option.
How is the program paid for?
Under applicable agreements, Transperra earns a percentage of defined savings. That compensation helps support the coordinated program’s people, services, technology, and resources. Your proposal and agreement identify the calculation, included services, applicable caps, and separate charges. Evaluate the economics using a stated benchmark and savings after fees.
What happens if a member receives a bill?
Contact the Transperra team. We review the bill, coordinate with the appropriate plan partners, and help address billing questions within the program’s scope.
Does Transperra guarantee savings or a lower renewal?
No. Results depend on the group, claims experience, member engagement, plan design, underwriting, and selected arrangements. Evaluation should consider documented costs and savings after applicable fees, along with the member benefits and support provided.
