Healthcare can be better.

XO Health is dedicated to helping companies redefine how they manage their healthcare plans, offering their employees better plans with lower costs.

It’s not about us, it’s about them.

We help companies provide their employees with affordable plans that control costs and offer reliable benefits. But at the end of the day, what we do is about ensuring that getting and staying healthy is an option for every employee and their family. 

Why XO?

Traditional health plans entail too much inefficiency and waste, driving up costs for both employers and employees. At XO Health, we’re working to redefine employer-based healthcare in a way that unites businesses, employees, providers and hospitals in a manner that offers our clients more for their healthcare investment. 

Our unique approach begins with the following core goals in mind:

CONTROL COSTS

Employers and their employees want the best value, and they want to know that contributions and benefits will stay the same from year to year. We empower employers to offer this by working tirelessly to prevent expenses from creeping up.T

CONTROL COSTS

Your company’s needs will change as you grow and thrive, and your employees’ needs will change as their families grow. We understand this and work with our clients to ensure their plans evolve to best meet their current goals.

CONTROL COSTS

Our plans are there to help when unexpected medical expenses arise. But they’re also there to help employees and their families never incur them in the first place, with an approach that reinvests plan savings into health and wellness programs – prevention is always the best cure.

The XO Strategy

Affordable and sustainable healthcare for everyone requires a new approach – sticking with what works well, and redefining what doesn’t. Our approach works, saving our clients 10-30% over traditional carriers.

We Use Reference Based Pricing (RBP)

XO Health is dedicated to helping companies redefine how they manage their healthcare plans, offering their employees better plans with lower costs.

A High Performance, Custom Network

XO Health is dedicated to helping companies redefine how they manage their healthcare plans, offering their employees better plans with lower costs.

An XO Plan Today Helps Keep the Doctor Away

We offer an innovative package of health and wellness tools to help individuals maintain and improve their health. Through wellness motivation, fitness and tracking we help increase overall health, passing an additional 5-10% savings along to our members and clients. And we reward doctors who keep their patients healthy!

A Fiduciary Approach

Traditional carriers are interested in bulk contracts and bulk services. What’s best can get overlooked for what’s fastest. We take a fiduciary approach, always working in our clients’ best interests. We write every check as though they were being paid out of our personal accounts.

Always Exceed Expectaitons

One of the reasons that traditional plans are more costly is because larger carriers can’t devote as much time and energy to their individual members, clients and providers. We’re able to perform better because we go to bat for our clients each and every day. When you “leave it all on the field,” it creates a better value for everyone involved.

The Benefits

Healthcare can be simpler. It can be more cost-effective. And it can be better.

FLEXIBILITY

Flexibility Change out components of the plan if goals or needs change.

TRANSPARENCY

See how money is being spent within the plan.

Trustworthy

Trustworthy Know that we are looking out for you and your employees in everything we do.

Reliability

Ensure that you can offer your employees the same great benefits and the same contribution levels.

Safety Claims

 that are submitted but not eligible are identified and eliminated.