Prescience is a health benefits platform that lets modern employers offer premium, zero‑admin health insurance plans with $0 employee premiums, no deductibles, and built‑in perks such as GLP‑1 medication, wearable health devices, gene testing, and same‑day primary‑care access. The service is designed to attract top talent by bundling these high‑value benefits into a single, tax‑advantaged offering that integrates with existing payroll and HR systems. Companies can customize plans like the “Diamond” option to provide comprehensive coverage without additional administrative overhead.
Funding
Funding not disclosed
Founders
Product
Problem
Employers face rising health insurance costs, high employee premiums, and deductibles that deter talent acquisition and strain budgets. Traditional plans often involve complex administration, middlemen, and limited preventive care, leading to reactive spending and lower employee satisfaction.
Solution
Prescience offers a physician‑designed health benefits platform that eliminates employee premiums and deductibles while bundling same‑day primary care, wearable GLP‑1 medication, and gene testing into a single plan. The platform provides a triple‑tax‑advantaged Health Savings Account (HSA) that can be invested, further reducing net costs. By contracting directly with providers and removing brokers and PBMs, Prescience lowers the per‑member per‑month cost to $847, well below the market average of $1,213. Integrated predictive analytics drive early interventions and proactive care, turning reactive spend into measurable savings. Employers receive a transparent pricing model with $0 administrative fees and a unified dashboard for plan management and employee enrollment.
Target Audience
Prescience targets mid‑to‑large technology and high‑growth companies seeking to attract and retain top talent through premium, cost‑effective health benefits. The platform is also suited for benefits platforms and payroll providers that need a turnkey, API‑driven health insurance solution.
Features
- $0 employee premium and $0 deductible with inclusive wearables, GLP‑1 therapy, and gene testing
- Same‑day primary care and 24/7 care companion access via a digital platform
- Triple‑tax‑advantaged HSA that can be invested and grown
- Direct provider contracts eliminating brokers, carriers, and PBMs to reduce overhead
- Predictive care model that routes members to high‑quality, cost‑effective services
- Integrated API for seamless employer data exchange, enrollment, and real‑time account status
- Transparent, flat‑rate pricing with no hidden administrative fees