Track B · Employer · Broker

Market-grade evidence for every renewal, every pitch, every plan decision.

Walk into the renewal conversation with Medicare-multiplied rates, peer benchmarks, and per-carrier leverage — not a spreadsheet from your broker and not a summary from your carrier.

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Sample · Peer Benchmark · your plan vs 60 peer employers

The problem you face today

Three structural asymmetries that put you on the wrong side of every renewal.

You're being asked to make six-figure negotiation decisions on information supplied by the party across the table. That's not due-diligence — it's hope.

Problem 01

Your broker owns the negotiation data.

The spreadsheet with last year's carrier quote, the comparison model, the savings projection — all live on the broker's laptop. Walking away from that broker means walking away from your history. That's not an accident.

Problem 02

Renewal surprises are the norm.

You manage a plan for five years of steady 6-9% trend, then year six the renewal comes in at +24%. The carrier says it's claims experience. You have no independent way to check.

Problem 03

There's no independent benchmark.

Your broker and your carrier are the only two parties in the room with data. Whatever they tell you sounds reasonable — because you have nothing to compare it to. Peer employers' rate experience is behind competitive walls.

The four products for this track

Independent evidence you can bring to the table.

Built on the same indexed rate data we use for underwriting — shaped for the questions plan sponsors and brokers actually answer.

Renewal leverage

Peer Benchmark

Where your plan sits on a distribution of peer employers — by category, by region.

We benchmark your per-member-per-month cost across inpatient, outpatient, pharmacy, specialist, and imaging against a distribution of ~60 peer employers with similar industry and member count. No carrier self-report, no broker narrative.

The output: a percentile reading per category. If you're at the 82nd percentile on inpatient, that's your renewal ask — and you can cite the distribution.

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Replaces: Carrier renewal narrative

Comparison

Carrier Leaderboard

Clean carriers ranked by discount depth — with junk NPIs filtered out.

An independent scoreboard of carriers ranked by real negotiated-rate depth against Medicare, across the specialties your members actually use. Ranking excludes known junk-NPI pollution (detected + flagged in data integrity).

Use it to validate whether the carrier your broker is recommending actually has the depth they're selling.

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Replaces: Broker recommendation narrative

Lead / pitch

Instant Audit

Drop a claims CSV — get a top-10 overpayment list + fiduciary grade, emailable.

For brokers: pitch any prospect with a live-data artifact on your first call. Drop their claims file (HIPAA-safe upload — PHI tokenized in memory, never persisted to our storage), get an audit-ready PDF in ~30 seconds.

For employers: run it on your own plan quarterly. The top-10 overpayments become your TPA conversation list.

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Replaces: Broker prospecting deck

Renewal modeling

Multi-Network Compare

Reprice a claims file through up to 10 networks simultaneously.

Pick any carriers you're considering. We reprice the same claims through each and surface dollar deltas — per claim, per CPT, per specialty. Single-query, cross-carrier comparison that historically required five separate placements.

Result: 100 claims against 4 carriers in 1.5 seconds. Renewal modeling without the renewal sprint.

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Replaces: Individual carrier quote requests

Live sample · warehouse output

One CSV drop. An audit-ready PDF in thirty seconds.

Every overpayment traced to a provider, a CPT code, and the specific carrier rate that should have been paid. Email the PDF. Bring it to renewal. Walk out with a grounded ask.

Drop your CSV

Sample output · emailable PDF · provenance per line

Data handling

Your TPA's compliance team is going to ask. Here's the answer.

Three modes — pick the one your counsel signs off on. Server-mode is the simplest integration; client-mode shrinks the breach radius; sidecar-mode means PHI never enters Velora at all.

01 · Server-mode

Encrypted at rest, BAA-covered.

We hold the HMAC key (AES-256-GCM at rest, 90-day vault TTL) and the token-to-original mapping. Your portal users see plaintext results without managing a local map. Standard SaaS pattern; full audit trail.

Easiest integration · default for most customers

02 · Client-mode

PHI not persisted on Velora.

Your TPA sends an HMAC secret on each request. Velora tokenizes in memory and immediately drops the originals — no PHI written to our storage, DB, backups, or logs. Your TPA holds the rehydration map.

Smaller breach radius · for stricter compliance postures

03 · Sidecar-mode live

PHI never leaves your TPA's VPC.

Your TPA runs a Velora-shipped tokenizer (Docker / pip / npm) inside their own infrastructure. CSVs tokenize locally; only tokens cross our wire. Velora literally cannot see plaintext.

Zero PHI on Velora · for self-funded plans with the strictest counsel

Full HIPAA technical reference your compliance team can audit →

Next step

Bring your own claims file. We'll return an audit-ready PDF today.

No deck to build. No discovery call. Drop the file, get the evidence, decide what to do with it. Brokers and employers use the same entry point.

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