Arlo provides health insurance plans for small to mid-sized businesses featuring transparent pricing and prevention-first benefits. The platform utilizes a 24/7 concierge service to reduce administrative burdens like prior authorizations and claim denials for employers. Employees benefit from $0 copays for primary care and upfront cost visibility for all covered services.
Funding
$4M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Small, self-funded employers face challenges in managing healthcare costs due to unpredictable high claims. Traditional stop-loss insurance options may not be optimized for smaller groups, potentially leading to higher premiums and limited cost-containment strategies. Obtaining timely and accurate quotes can also be a bottleneck for brokers and employers.
Solution
Arlo is a managing general underwriter (MGU) specializing in stop-loss insurance for small, self-funded employers, offering aggregate-only coverage designed to optimize total costs. Arlo streamlines the quoting process, providing firm quotes within 24 hours without requiring individual health questionnaires (IHQs) or claims data. The company's approach includes integrated prescription (Rx) cost-containment solutions to reduce stop-loss premiums without hidden fees. Arlo focuses on long-term rate stability and consistent pricing, aiming to be a stable partner for brokers and employers.
Target Audience
Arlo primarily serves brokers and consultants who work with small, self-funded employers seeking stop-loss insurance coverage.
Features
- Aggregate-only stop-loss coverage optimized for small groups (5-125 enrolling employees)
- Firm quotes returned within 24 hours
- Custom underwriting model that accurately prices cost-containment programs
- Integrated Rx cost containment program to reduce stop-loss premiums
- Policies available in all states excluding WA, NY, and OK
- Access to over 20 national PPO and regional HPN networks, as well as reference-based pricing
- Real-time reporting and actionable insights via direct connection to claims data sources
- Synthetic Captive approach for better pricing and smoothened renewals