Reclaim every dollar your benefits have to offer.
Putting money back where it belongs: in your budget, in employees’ pockets.
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AI-powered. Human supported. Optimizing every dollar spent on healthcare.
Helping employers and covered families manage every dollar spent on healthcare and optimize their benefits.
Measurable savings
From detection to recovery; reclaimed voluntary benefits, bill corrections and owed credits.
Proactive and comprehensive
Proprietary algorithms identify coding issues, adjudication errors, voluntary benefit claims, and more.
Optimized benefits
Year-round benefit recommendations, spend prediction, and budgeting
Delivering real dollar savings. Building trust through personalization.
Reclaim helps employers and employees optimize the financial value of healthcare benefits.
$6.3M
real dollars back to employer’s budget and employees’ pockets (per 10,000 employees)
100%
Charges reviewed for all covered members
79%
Average program activation in year 1
Trusted by members and benefit leaders
Reclaim helps families manage every dollar of key healthcare decisions, from selecting the right plan to saving on healthcare bills.
Why Reclaim?
“Having actual claims data makes it do its magic! Employees who use it appreciate the insight it provides not only as a recommendation engine but also as a reflection of their expenditure patterns.”
Director, Total Rewards
Financial Services Company
“Got my daughter’s bill knocked down from $800 to $30! I love Reclaim.”
Physician Assistant
Health System
“Thank you for providing the analysis of the current medical plan spending and recommending I change plans because I am overpaying. That info is very helpful!”
Administrative Staff
Private University
“Thank you for your thorough review! I had no clue I could get this reimbursed. Very much appreciated!!”
Senior Logistics Manager
Manufacturing Company
Trusted by leading employers. Partnered with innovators.
Embedded with leading partners. Reclaiming dollars for 1.75M+ families at 100+ self-funded employers.
Platform
Reclaim wins the
2025 AI Excellence Award for Healthcare
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Featured resources
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Frequently asked questions
What is Reclaim Health?
Reclaim is a healthcare financial advocacy platform that helps employers and employees optimize the value of their healthcare benefits.
We use a combination of artificial intelligence, claims data, and human experts to proactively find savings and recover money for our members. Our platform is always on working year-round to:
- Review 100% of healthcare bills for errors, overcharges, and benefit reimbursement opportunities.
- File claims and appeals on behalf of members to recover owed financial payouts.
- Provide personalized benefits recommendations based on an individual's actual claims data.
- Offer powerful analytics to help employers optimize their benefits plan design.
What size company is Reclaim Health for?
Reclaim primarily works with larger self-insured employer groups, typically those with more than 2,000 employees.
We will also support smaller self-insured employer groups. The key requirement is that we have access to detailed claims data through the company's claims administrators, as this allows our platform to identify and deliver its financial value.
How do you get and protect our employees' health data?
Reclaim obtains member health data directly from carriers and TPAs through secure data feeds, and we protect it with industry-leading security protocols.
- Data Access: We have existing data sharing agreements with all national carriers and a growing number of regional ones, making data acquisition straightforward.
- Security: Our platform is SOC2 Type II certified and fully HIPAA compliant. We enforce encryption at rest and in-transit, multi-factor authentication, least-privilege access, and regular vulnerability scanning to ensure all data is secure.
Do employees have to authorize Reclaim?
Yes, employee authorization is required to activate Reclaim.
We offer two models for enrollment:
- Elective Model: Employees provide express authorization, typically during their open enrollment process. In this model, we see an average opt-in rate of nearly 79%.
- Automatic Model: Reclaim is embedded in the group health plan, activating the service for all members who enroll in the plan.
What types of benefits does Reclaim's platform include?
Reclaim's platform includes medical, Rx, dental, vision, pre-tax savings accounts (e.g. FSA, HSA), and voluntary and employer-sponsored ancillary benefits in its recommendations.
Our platform analyzes an employee's total benefits package to provide holistic guidance. This includes:
- Core Benefits: Medical, pharmacy, dental, and vision plans.
- Healthcare Savings Accounts: Flexible Spending Accounts (FSAs), Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), and more.
- Voluntary Benefits: Critical Illness, Hospital Indemnity, and Accident Insurance.
- Ancillary Programs: We also recommend employer-sponsored programs like condition management and wellness solutions when relevant to a member's needs.
How long is the implementation process for Reclaim Health?
The typical implementation for Reclaim Health takes 8-12 weeks.
The timeline is primarily driven by the claims file release process with medical and pharmacy plan carriers. We expedite this by accepting data in the carrier's standard format. Reclaim can be implemented at any time of the year to fit your schedule.
What data does Reclaim need to work?
Reclaim requires three core data sets to operate effectively: Summary of Benefits and Coverages (SBCs), eligibility and enrollment data, and claims data.
While there is no minimum claims history required, more data allows our AI to identify more financial recovery opportunities and enhance the accuracy of our recommendations. Optional integrations with other benefits platforms can also be implemented based on employer preferences.
What kind of reporting and analytics tools are included?
Reclaim provides a robust suite of analytics and reporting tools to help you optimize your benefits plan design and overall spend.
These tools include:
- Claims-Driven Insights: Identify the biggest opportunities for cost savings.
- Health Forecasting: Anticipate the future health needs of your employee population.
- Coverage and Benefit-fit Simulations: Evaluate how potential plan design changes could impact costs and savings.
Do you offer white label options for partners?
Yes, we offer both white label and embedded options for solution providers.
This is ideal for benefit administration platforms, voluntary benefits insurers, and other partners. We also offer configurable subsets of our capabilities based on a partner's specific needs. You can contact our partnership team to discuss the available options. Contact us to speak to our partnership team about the options available.
What is the difference between Reclaim and traditional advocacy?
The key difference is that Reclaim is proactive, while traditional advocacy solutions are reactive.
- Traditional Advocacy: Relies on an employee to identify a problem and call a service line. These services are often human-driven and focus only on large, complex claims.
- Reclaim's Approach: Our AI-powered technology proactively reviews 100% of claims for every member, identifying savings opportunities automatically. We proactively take action on the member's behalf, requiring no work from them.
How is Reclaim different from payment integrity solutions?
Reclaim takes a more holistic, member-first approach than traditional payment integrity solutions.
Payment integrity solutions focus only on identifying overcharges for the employer. Reclaim goes much further:
- Member-First Focus: We identify savings for both the member and the employer.
- Complete Recovery: We don't just identify overcharges; we manage the entire process to correct errors and recover the owed dollars.
- Total Benefits Optimization: Our platform looks beyond simple overcharges to optimize the financial value of all benefits, including voluntary benefits, pre-tax savings accounts, employer sponsored ancillary benefits, and more.
How does Reclaim's decision support compare to traditional tools?
Reclaim's decision support is claims-driven so it's highly personalized, while traditional tools are often simply survey driven.
Unlike traditional tools that offer one-size-fits-all advice, Reclaim uses an individual's actual claims data to tailor recommendations for their specific health journey. This leads to more cost-effective choices and higher benefit utilization. We provide proactive, year-round advocacy and benefit recommendations that go far beyond simple plan comparison tools.
What kind of AI does Reclaim Health use?
Reclaim uses proprietary machine learning and optimization algorithms, not generative AI like ChatGPT.
Our AI is built in-house and does not create new content. Instead, its purpose is to learn and identify patterns in structured claims data. This allows our algorithms to make highly accurate predictions and recommendations for cost savings based on the real-world experiences of people with similar healthcare journeys.
Start reclaiming your benefits dollars today!
Contact us
Reach out to a consultation expert to learn more about our proactive healthcare financial advocacy platform.
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Schedule a demo
Schedule a live demo to see how our platform's capabilities save your plan members money and boost your healthcare benefits.
