Groups and Businesses
Premiums are exploding. We help employers fight back.
This is an unprecedented time in healthcare. Premiums are rising fast, renewals are unpredictable, and employers are being asked to keep paying more for less clarity and less protection. Meanwhile employees still get stuck with surprise bills, denials, and the exhausting work of trying to navigate a system that does not advocate for them.
SakeOf is built for this moment. By coming together through our crowdfunding model, groups and businesses can take back control of healthcare spend while giving members a real support system. We reduce costs by challenging overpriced billing, repricing claims, negotiating with providers, removing wasteful layers, and improving plan structure for real usage. When the system breaks down, we provide member advocacy so employees are not alone.
Imagine paying for Netflix every month, and then paying when you watch the movie, and then getting another bill three months later because
one of the actors isn’t signed with Netflix so you have to pay him directly.
That’d be stupid right?
This is a post about health insurance.
That is exactly how it feels when employees pay premiums, meet deductibles, then get balance billed anyway and have no one to fight for them.
Many groups see meaningful improvements within 60 to 90 days depending on renewal timing and data availability.
Everything in one place
Most benefits feel fragmented. Members have separate logins, separate tools, and separate numbers to call. SakeOf brings it together into a single platform designed to support real decisions and real problems. Employers get clarity. Members get guidance. Billing issues actually get handled.
Tools your members can actually use
In the same place members access support, they can also use practical tools that reduce friction and help them make better care decisions. This improves utilization and reduces costs long term.
The pain is predictable
Employers are expected to keep paying more while getting less. Employees are expected to navigate a system that feels designed to confuse them. When something goes wrong, it becomes your problem. The CFO sees costs. HR sees frustration. Employees feel ignored.
Rising costs with no clarity
Premiums rise. Deductibles rise. Copays rise. Then you still see surprise bills and out of range charges. Most carriers cannot explain it in plain language because the pricing is not built to be understood.
Crap care and no advocacy
Employees spend hours on the phone, get bounced between departments, and still end up paying bills that never should have happened. Most plans do not provide true advocacy. They provide a hotline. That is not the same thing.
Who this is for
This is built for small and mid size employers, multi location groups, and organizations that are tired of unpredictable renewals. It is also a strong fit for associations and member groups that want to offer a credible healthcare solution as a benefit.
Employers
Businesses that want to keep coverage competitive while reducing spend. This includes companies that are priced out of traditional options, facing claims volatility, or dealing with renewal increases that do not match their experience.
Groups and associations
Member based organizations that want to provide healthcare value and cost stability to members while reducing complexity and improving cost control through pricing support and member advocacy.
Why healthcare costs stay high
Provider prices vary dramatically for the same service, even in the same market. Many bills include charges that are out of line with fair market cash rates. Administrative fees and vendor layers add lift. And most employers have limited ability to challenge pricing without a specialized process and a team that actually knows how to negotiate.
That is why plan shopping alone usually fails. You might change premiums, but the root causes remain. Real savings come from improving how care is priced, billed, negotiated, and supported. That is where the biggest wins are hiding.
How we reduce costs and improve the experience
Repricing and fair price validation
We identify charges that are out of range and apply fair price benchmarks to reduce inflated billing. This includes reviewing claim detail, validating pricing consistency, and correcting situations where billed amounts do not reflect reasonable market rates.
Provider negotiation
When pricing is unreasonable, we help negotiate directly with providers to reach a fair resolution. Negotiation reduces the employer’s exposure and helps stabilize future spend by pushing back on inflated pricing behavior that becomes normal when nobody challenges it.
Plan structure improvements
We help redesign plan components that drive waste and volatility. The goal is not to reduce care. The goal is to reduce the chaos and uncertainty people experience when they do try to get care.
Member advocacy that actually helps
This is where employees feel the difference immediately. We help members resolve billing issues, challenge errors, and navigate care decisions with real support. When the system tries to pass the cost back to the member, we fight it.
What you get
This is not a quote swap. It is a structured cost reduction process designed to give you control, clarity, and durable savings. We start with a review, identify your highest impact opportunities, and then provide a clear plan that includes repricing and negotiation strategies where needed.
Request a savings review
If you want to know what you could save, we will review your current plan costs and identify where repricing and negotiation can materially reduce spend. You will receive a clear estimate of opportunity along with practical next steps.
FAQ
How do you achieve major savings?
Savings typically come from repricing inflated claims, negotiating unfair provider charges, improving plan structure, and preventing unnecessary fees and billing errors from becoming accepted costs. Many groups see significant reductions when these levers are applied correctly, especially when they have never challenged provider pricing before.
Will this reduce access or change doctors?
The goal is to reduce unnecessary cost while protecting access. In many cases, we preserve access and improve the experience by making pricing more predictable and reducing billing problems that create friction for members.
How fast can changes take effect?
Many groups can implement within 30 to 60 days depending on renewal timing. Repricing and negotiation support can begin once the review process is complete and the appropriate structure is selected.
Can associations and member groups offer this?
Yes. Many member based organizations use SakeOf to deliver healthcare value and cost stability to members while reducing complexity and improving cost control through pricing support and member advocacy.