- Nurse advocates available now — intercepting in real time
Stop letting your health plan run itself.
Intercept costs before they happen.
InterceptCare® employs in-house nurses and advocates who meet 1-on-1 with employees — intercepting costly healthcare decisions before they become claims.
$3,750
Average PEPY Employer Savings
$0
Employee out-of-pocket when using InterceptCare®
1-on-1
In-house Nurse Advocacy
Real-Time
Pro-Active Claims Intervention
InterceptCare® puts a real advocate in every employee's corner — guiding healthcare decisions before they become high-cost claims.
WHY TRADITIONAL PLANS DON’T WORK
Most plans are reactive. Costs happen.
Then someone notices.
Carriers, PBMs, and networks are paid based on spend — not outcomes. They have no incentive to reduce your costs. Employees are left to navigate complex decisions alone, without guidance, without anyone in their corner. The result: claims that could have been intercepted, redirected, or avoided entirely — processed without question, year after year.
Our nurse advocates intercept high-impact decisions at every stage — so employees make better choices before they schedule, fill, or pay.
REAL-LIFE EXAMPLE
One MRI. The Difference InterceptCare® Makes.
Member sees current Doctor
Doctor sends "order" for a high-cost MRI
MRI then scheduled and done
InterceptCare® Nurse Advocates may identify high-cost imaging, surgery, or complex care in real time – then reach out with lower-cost options.
Or employee calls the number on ID card at first notice of needing diagnostic/surgery.
WHAT HAPPENS AT THE INTERCEPT POINT
Provides pricing and incentives to employee for Tier 1 Direct Contract facility versus high-cost facility.
Consults with internal Clinical Team on medical necessity, steerage, and care management plan.
Helps re-schedule care where the employee decides.
Assigned Case Nurse Manager if further ongoing treatment is needed.
$595
InterceptCare®’s Tier 1 Direct Contract price
$3,950
High-cost facility price without InterceptCare®
REAL-LIFE EXAMPLE
One Prescription. The Difference InterceptCare® Makes.
Doctor prescribes specialty medication
Prescription is entered into the health plan
Sourced via PAP or wholesale — employee pays $0
InterceptCare® nurse advocates see the prescription in real time and immediately contact the employee with lower-cost sourcing options.
Or employee calls the number on their ID card when first prescribed a specialty or high-cost medication.
WHAT HAPPENS AT THE INTERCEPT POINT
Identifies sourcing options including PAP programs, international sourcing, coupons, and wholesale alternatives.
Contacts the manufacturer or program on behalf of the employee to confirm eligibility and initiate enrollment.
Coordinates delivery or pickup — specialty pharmacy, or alternate fill location that lowers cost most.
Monitors ongoing savings and re-engages at each renewal cycle to ensure the lowest-cost sourcing option.
$0
Employee cost via
manufacturer assistance
$6,200
Monthly retail cost
without InterceptCare®
REAL-LIFE EXAMPLE
One Surprise Bill. The Difference InterceptCare® Makes.
Employee visits the ER for an urgent issue
$4,800 surprise bill arrives in the mail
Bill reviewed and disputed — employee pays $40
InterceptCare® nurse advocates review bills line by line — identifying errors, duplicate charges, and upcoding — then dispute on behalf of the employee with no homework required.
Or employee calls the number on their ID card when any confusing bill, claim, or diagnosis arrives.
WHAT HAPPENS AT THE INTERCEPT POINT
Reviews every line of the bill for errors, duplicate charges, upcoding, and unbundling that inflate the total.
Files the dispute directly with the provider or TPA on behalf of the employee — no phone calls required from them.
Negotiates the balance — and works toward the lowest possible resolution — often reducing bills by 50–90%.
Assigns a case manager for complex situations — diagnoses, specialist referrals, and ongoing chronic conditions.
$40
Employee cost via
manufacturer assistance
$4,800
Monthly retail cost
without InterceptCare®
REAL-LIFE EXAMPLE
One Open Enrollment. The Difference InterceptCare® Makes.
Open enrollment window opens at the employer
Employee about to auto-renew without reviewing options
ACT specialist meets 1-on-1 — right plan selected, cost reduced
InterceptCare® ACT specialists meet with each employee 1-on-1 before enrollment closes — reviewing their situation, identifying ACA or Medicare eligibility, and ensuring no one auto-renews into the wrong plan.
Or employee calls to schedule a free Medicare, ACA, or open enrollment consultation at any time.
WHAT HAPPENS AT THE INTERCEPT POINT
Reviews each employee's situation — age, health needs, dependents, and plan — to identify the best available option.
Checks ACA, Medicare & program eligibility — employees who qualify can transition off the group plan, reducing employer cost.
Guides selection and enrollment — a— including Tier 1 plan designs with $0 deductible and built-in cash incentives.
Supports retirement transitions for employees approaching Medicare age — coordinating Social Security and plan exit timing.
$40
Deductible on Tier 1 InterceptCare® plans
$800
Avg per-employee savings from plan optimization
OUR SUPERPOWER
InterceptCare® is fueled by Nurses and Advocates.
Not a chatbot. Not a call center. Real, in-house registered nurse advocates who build trust with your employees — then guide them to better, lower-cost healthcare decisions. Someone does the hand-holding, with and for your employees.
In-House Nurse Advocates
InterceptCare® employs RNs directly. They meet 1-on-1 with employees onsite, build real trust, and advocate on their behalf — calling doctors directly to get things done.
Real Human Guidance
Employees get a single point of contact who understands their plan, their situation, and their options. One employee-facing experience. No confusion. No wasted claims.
Intercepting at Every Decision Point
Our nurse advocates intercept healthcare decisions before they become unnecessary costs — provider selection, procedures, prescriptions, urgent care, and more.
YOUR FOUR EMPLOYER INTERCEPT POINTS
InterceptCare® intervenes before costs escalate.
InterceptCare® controls costs across four high-impact areas simultaneously — intervening before decisions become claims.
Meet
Before employees use the plan blind - "Our nurses meet 1-on-1 with every employee — onsite — before the expensive moments happen. We walk through their plan, their doctors, their prescriptions. Most plans skip this entirely. We don't."
Quote
Before you sign anything - Before you renew or re-quote, InterceptCare® maps your actual claims history and identifies where costs are leaking. We build a roadmap showing exactly what we'd intercept — so you see the ROI before you commit.
Fund
Before the plan writes the check - When a high-cost claim is triggered — a surgery, specialty drug, or procedure — our nurses advocates intercept it in real time. We find lower-cost, equal-quality options before the plan funds the claim. This is where the biggest dollars are saved.
Renew
Before you repeat last year's mistakes - Before your next renewal, we deliver a full intercept report — every dollar saved, every claim prevented. You go into renewal with data, not surprises. And a clear plan to intercept even more next year.
REAL CONTRACTED PRICES
The same procedure. A fraction of the price.
InterceptCare® gives your employees access to real contracted prices through our direct contract — without disrupting their care.
Procedure
InterceptCare®
Tier 1 Direct Contract
Standard Carrier
Network Rate
Imaging
MRI
$595
$3,500
X-Rays
$85
$260
CT Scan (without contrast)
$350–$450
$1593
GI Procedures
Colonoscopy (with pathology)
$1,599
$6,675
EGD (with pathology)
$1,599
$5,944
Colonoscopy with EGD
$2,599
$10,177
Orthopedic Procedures
Knee Arthroscopy
$4,940
$6,675
Total Knee Replacement
$19,990
$5,944
Shoulder Arthroscopy
$7,490
$10,177
Total Shoulder Replacement
$18,402
$10,177
Hip Arthroscopy
$7,290
$10,177
Total Hip Replacement
$19,512
$10,177
Carpal Tunnel Surgery
$3,475
$10,177
Abdominal & General Surgery
Laparoscopic Cholecystectomy (Gallbladder)
$7,810
$18,009
Laparoscopic Appendectomy (Appendix)
$7,540
$14,948
Laparoscopic Hernia (Inguinal & Umbilical)
$7,520
$21,787
ENT
Adenoid Removal
$4,010
$10,500
Tonsillectomy
$4,260
$12,915
Urology
Vasectomy
$1,500
$5,878
Physical Therapy
Per Session
$190
$610
Gynecology
Laparoscopic Hysterectomy
$11,975
$23,298
Laparoscopic Salpingectomy (tubal)
$7,400
$14,949
Laparoscopic Oophorectomy (ovaries)
$7,400
$14,949
Amounts are estimates from most recent manual research. Actual savings may vary.
A COORDINATED SYSTEM
Not standalone services. One integrated platform.
InterceptCare® operates across multiple points in the healthcare journey — ensuring employees are guided to better decisions before high-cost claims occur.
Advocacy
Dedicated Nurse Advocates
In-house nurse advocates build real relationships with employees — recommending the best care option, calling their doctor, and taking action before confusion becomes a claim.
Direct access
Smarter Provider
Access
Guide employees to the best care for the best cost — finding independent specialists and other providers, reducing costs while eliminating disruption.
ADVANCED CARE
Care &
Transitions
Proactive guidance for employees with complex or chronic conditions — intercepting escalations before they become catastrophic claims.
70%
We've had clients reduce specialty drug costs by more than 70% in the first quarter.
Without changing doctors or experiencing any disruption. InterceptCare® intercepted the decision before the plan paid inflated prices — saving employers and employees alike.
who its for
Built for employers.
Experienced by employees.
InterceptCare® creates one employee-facing experience — but the decision to deploy it starts with you.
Employers & HR Leaders
You're already paying for the risk — start intercepting it.
If you’re self-insured, you’re already taking on the risk. InterceptCare® helps you intercept costs before they hit — not after renewal comes around.
- Documented savings per intercept — not projections
- Works with any existing plan structure
- Employees keep their doctors — no disruption
- Reduces HR burden on benefits questions
Employees
A real nurse advocate in your corner. Not a chatbot.
Employees deserve more than a plan document. They deserve someone who’ll call the doctor for them, explain their options, and make sure they never overpay.
- A real nurse advocate — not a chatbot or call center
- Proactive outreach — we call them first
- Cash incentives for choosing lower-cost care
- Ongoing support through complex health situations
REAL INTERCEPTS. REAL DOLLARS SAVED.
These are real intercept events. Real savings. Real outcomes.
These aren’t projections. These are real intercept events — situations where a nurse advocate stepped in before the expected decision, and the savings below were the result.
Surgery · Midwest
$48,000
saved in a single intercept
High-cost facility surgery intercepted
Advocate intercepted and identified an independent surgeon — before the hospital-based surgery was scheduled.
- Independent surgeon identified
- Employee received the same care
- Paid nothing out of pocket
Specialty RX · Southeast
$6,200/mo
ongoing specialty drug savings
Specialty drug intercepted
Specialty drug sourced from manufacturer patient program instead of $6,200/mo retail cost — intercepted before the first fill.
- Manufacturer program sourced
- Employee paid $0
- Ongoing advocate-managed refills
URGENT CARE · Multi-state
$3,100
saved per event
ER visit intercepted
Non-emergency ER visit intercepted at $0 cost — before the $3,100 emergency room charge was incurred.
- $0 virtual urgent care used instead
- Nurse advocate guided in real time
- $3,100 in claims never filed
See how much we can intercept before your next renewal.
Our nurses and advocates review your current healthcare spend to identify real intercept opportunities before renewal.
Costs intercepted. Employees protected.
Real-time nurse advocacy for self-funded employers — nationwide.
InterceptCare® is a registered trademark of InterceptCare, LLC. Not a health insurance plan. All healthcare decisions remain with the employee and their licensed providers.
© 2026 InterceptCare, LLC