The rate layer that underwriters and plan sponsors actually audit.
Two hundred billion negotiated-rate rows. Every MRF, every carrier, every network. We translate it into stop-loss underwriting, fiduciary scorecards, and renewal leverage — nothing in between, nothing missing.
The rate-data layer that everything else was supposed to be built on.
The actuarial workflows your MGU uses were designed before MRF files existed. The TPA dashboards that grade your PBM are computed from carrier-supplied allowed amounts. The broker renewal spreadsheet is a trust fall.
We ingest the rates directly from the source files — every carrier, every network, every month — and translate them into the decisions you already have to make. Nothing is modeled when the truth is available. Nothing is opinionated when the data speaks.
What we are notRepricing vendor. Population health. PBM. Care navigation. EHR analytics.
Pick the role. The evidence is the same.
Every product downstream is built from the same indexed rate data. We shape the presentation to your workflow — actuarial attachment points for one; peer benchmarks and pitch PDFs for the other.
Price the risk, prove the fiduciary. No more carrier-supplied tautologies.
- Network Rate DNA — carrier rate depth × specialty, laser risk surfaced
- Claims Replay — reprice any group against any carrier, in seconds
- Stop-Loss Modeler — attachment-point exposure projected forward
- Fiduciary Scorecard — PBM spread, leakage, allowed-rate divergence
Market-grade evidence for every renewal, every pitch, every plan decision.
- Peer Benchmark — where your plan sits on a distribution of 60 employers
- Carrier Leaderboard — clean carriers ranked by discount depth
- Instant Audit — top-10 overpayments + fiduciary grade, email-ready
- Multi-Network Compare — reprice through 10 networks in one query
Three steps. Everything else is interface.
Ingest
Every MRF file every carrier publishes. NPPES providers. NADAC drug prices. Hospital chargemasters. No self-report, no summaries.
Enrich
De-duplicate, tokenize, link NPIs across sources, index by specialty + geography. HIPAA-safe from ingest to query.
Translate to decision
Rate-depth indices, network DNA profiles, claims repricing, fiduciary grades, peer benchmarks. The work you have to do — already done.
What Velora is, compared to the tools next door.
Milliman gives you actuarial workflow. Turquoise gives you rate data generically. Zelis gives you repricing. We sit in the one place none of them do: rate-data-backed underwriting and fiduciary decisions.
| Capability | Velora | Milliman | Turquoise | Zelis | Note |
|---|---|---|---|---|---|
| MRF-sourced rates | ✓ | ● | We ingest every file every month | ||
| Stop-loss attachment modeling | ✓ | ● | Forward-looking underwriting | ||
| Fiduciary scorecards (ERISA) | ✓ | PBM, leakage, allowed vs MRF | |||
| Claims repricing | ✓ | ● | Any claim, any network, in seconds | ||
| Peer benchmarks for plan sponsors | ✓ | Renewal leverage, not spreadsheets | |||
| Provider directory / care navigation | ● | Different category |
← swipe to see all columns →
Based on public docs and session 33 research · adjacency mapping · not a product-parity table
Drop a claims file. Walk out with an answer.
An Instant Audit takes one CSV and returns your top-ten overpayments plus a fiduciary grade — no deck, no discovery, no "let me get back to you next week."