DoorDash + Reclaim Health 9.11.25

"Having actual claims data makes it do its magic!"

Powered by claims data & AI.

Sr. Manager Total Rewards

Solution Overview & Proposal

Updated 10/15/25

“Got my daughter’s bill knocked down from $800 to $30! I love Reclaim! ”

Physician Assistant

Trusted by 100+ employers and 1.5M+ families to regain control of their healthcare spend.

confidential & proprietary

Monies owed through unrealized benefits remain out of reach.

Received erroneous bills2

45%

74%

Forfeited FSA funds3

47%

of families struggle to afford healthcare1

Missed filing for eligible voluntary benefits4

90%

References: [1] 2024 KFF survey, [2] 2024 The Commonwealth Fund, [3] 2024 EBRI, [4] 2019 SHRM

confidential & proprietary

https://www.voya.com/news/2021/03/voya-financial-introduces-new-claims-model-to-help-american-workers-maximize-their

https://www.voya.com/news/2021/03/voya-financial-introduces-new-claims-model-to-help-american-workers-maximize-their

https://www.ebri.org/content/new-analysis-of-3.2-million-flexible-spending-accounts-finds-average-contributions-increasing-while-half-forfeiting-funds-to-their-employers

Unlock and healthcare dollars with optimized benefits.

reporting and modeling

claims data

benefits optimization

proactive PAYMENT ADVOCACY

Past and ongoing, all covered lives.

Recovery of claim overpayment, voluntary benefits and FSA dollars.

Opportunity analysis, real-time reporting, and member-benefit fit simulations.

Year-round contextual recommendations, utilization and expense prediction.

confidential & proprietary

AI-powered. Proactive. Focused on financial optimization.

Detect

Recover

Recommend

Detect billing inaccuracies

Predict care utilization

File appeals & correct bill

Recommend medical benefits

Detect adjudication inaccuracies

File grievance & adjust claim

Optimize FSA/HSA contributions

Detect significant bills

Negotiate bills for financial relief

Recommend voluntary benefits

Detect owed provider credits

Process check reimbursements

Trigger cost containment programs

Detect owed FSA dollars

Process FSA reimbursements

Ingest complex network designs

Detect owed voluntary benefits

File for voluntary benefits

Budget for future care

Identify specialty Rx programs

Activate Rx copay cards

Pre-OE benefit simulations

Member notification & reporting

Reporting of dollars recovered

confidential & proprietary

How are you different?

One-time activation unlocks ongoing savings.

24/7/365 review and recovery

100% of claims reviewed

From the smallest co-pay to the largest hospitalization and everything in between.

Easy program activation

No employee action

Employees asked to activate Reclaim in the flow of their benefit enrollment, enabling recovery services for past and future bills.

We handle everything from identification to resolution and recovery.

Employees automatically sign off on Reclaim as part of enrolling in their benefits, enabling recovery services for past and future bills.

100%

Broad impact to all

enrolled in Reclaim's program as part of their group health plan.

We serve 100% of covered employees and their dependents

activations enabling recovery without employee action.

Rollout anytime!

Integrated with your existing ecosystem

Automatic

Independent of OE

Existing data arrangements w/ TPAs and carriers, no plan/benefit disruptions

confidential & proprietary

analyze

engage

recover

report

Personalized. Powered by claims data.

Comprehensive, line by line medical and Rx claims for all covered lives. Claims access through our existing data use agreements with TPAs nationwide or employer's data warehouse.

confidential & proprietary

analyze

engage

recover

report

Proactive claims review and resolution.

Proprietary algorithms highlighting:

• claim inaccuracies issues,
• owed patient credits,
• voluntary benefits, and
• ancillary programs.

"Thank you for your thorough review! I had no idea I could get this corrected. Very much appreciated!!"

Sr. Logistics Manager

Mfg. Company

confidential & proprietary

analyze

engage

recover

report

Proactive claims review and resolution.

Proprietary algorithms highlighting:

• claim inaccuracies issues,
• owed patient credits,
• voluntary benefits, and
• ancillary programs.

"Without your help, I would never have received this payment! I had completely forgotten that I bought this policy! Thank you! Thank you!"

Sr. Administration Assistant

Financial Services Company

confidential & proprietary

"I had no clue I could get this reimbursed!"

background

Matt had a sports injury that left him with several fractured bones that had him skip weeks from work. Matt forgot he had enrolled in an accident plan and had been auto-renewing it. Reclaim detected he is eligible for a voluntary benefit (VB) payout and proactively filed and secured the payment on his behalf.

VB issues reimbursement

employee saved

reclaim monitors status

reclaim detects VB opportunity

reclaim initiates Filing

Check mailed to employee with final payout confirmed.

Status updates, incl. follow up on addt'l documentation.

Upon claims data receipt, AI triggers accident payout.

Automated filing for preferred voluntary benefit partners.

$18K

confidential & proprietary

Reversed patient overpayments

Correcting miscoding, duplicate claims, etc.

FSA, voluntary reimbursements

Employee spotlight

Employee spotlight

"Thank you for reviewing my current medical plan spending and recommending I change plans because I am overpaying! Very helpful!"

First name

Role and perhaps context as to how much she got in payouts.

"I had no clue I am owed money. Thank you very much for helping me get reimbursed! Very much appreciated!"

"I had no clue I am owed money. Thank you very much for helping me get reimbursed! Very much appreciated!"

First name

First name

First name

Role and perhaps context as to how much she got in payouts.

Role and perhaps context as to how much she got in payouts.

Role and perhaps context as to how much she got in payouts.

https://ttlc.intuit.com/community/tax-credits-deductions/discussion/if-i-receive-a-refund-from-a-medical-provider-paid-through-an-hsa-account-is-it-necessary-to-deposit/00/46839

https://www.reddit.com/r/personalfinance/comments/1hppdnh/refund_to_fsa_card_not_hitting_until_2025_what/

"Thank you for ensuring I was not double billed!"

background

An employee had a diagnostic colonoscopy that turned into a treatment colonoscopy with polyp removal. The employee (and employer) were billed for both services, when the treatment colonoscopy should have only been billed.

employeE saved

AI detects coding Error

reclaim requests bill review

provider re- submits claim

TPA processes employer credit

WE reconcile patient credit

$1K

AI alerts Reclaim advocates of bill error & detailed course of action. Opportunity shared with employer & employee.

We contact provider requesting bill review & ensuring bill collection is paused. Status shared with employer & employee.

Formal claim re-submission allows noting credits for both employer & employee. Status shared with employer & employee.

TPA adjusts claim(s) & issues employer credits. Reclaim monitors claim adjustment and credits in next claims feed.

We request provider reimburse patient. When applicable, we coordinate with member to process HSA mistaken distribution.

employeR saved

$4K

confidential & proprietary

Reversed patient overpayments

Correcting miscoding, duplicate claims, etc.

FSA, voluntary reimbursements

Employee spotlight

Employee spotlight

"Thank you for reviewing my current medical plan spending and recommending I change plans because I am overpaying! Very helpful!"

First name

Role and perhaps context as to how much she got in payouts.

"I had no clue I am owed money. Thank you very much for helping me get reimbursed! Very much appreciated!"

"I had no clue I am owed money. Thank you very much for helping me get reimbursed! Very much appreciated!"

First name

First name

First name

Role and perhaps context as to how much she got in payouts.

Role and perhaps context as to how much she got in payouts.

Role and perhaps context as to how much she got in payouts.

Analytics, Insights, Benefit Simulation.

analyze

engage

recover

report

Visibility into Reclaim's financial impact and ongoing engagement.

confidential & proprietary

Analytics, Insights, Benefit Simulation.

analyze

engage

recover

report

Real time visibility into activations, medical and voluntary benefits adoption.

confidential & proprietary

Integrated with your ecosystem and optimized rollout to maximize savings.

03

02

04

01

Rollout

Benefits

Delivery

Claims

Opt in model by partnering with benefit admin to collect consents at enrollment. When presented at the time of benefits selection, an average of 79% activate in year 1.

Benefit design details captured in partnership with employer and their consultant(s). Enrollment & eligibility captured via backend integrations with employer's benefit admin.

Member-facing app (web and mobile), standalone or embedded in employer's benefit app. Analytics dashboard with real-time access to insights, savings reports, with role-based access,

Established data use agreements with national carriers & a growing number of regional TPAs.

confidential & proprietary

Employee spotlight

Employee spotlight

"Thank you for reviewing my current medical plan spending and recommending I change plans because I am overpaying! Very helpful!"

First name

Role and perhaps context as to how much she got in payouts.

"I had no clue I am owed money. Thank you very much for helping me get reimbursed! Very much appreciated!"

"I had no clue I am owed money. Thank you very much for helping me get reimbursed! Very much appreciated!"

First name

First name

First name

Role and perhaps context as to how much she got in payouts.

Role and perhaps context as to how much she got in payouts.

Role and perhaps context as to how much she got in payouts.

"Having actual claims data makes it do its magic!"

Powered by claims data & AI.

Sr. Manager Total Rewards

Opportunity Analysis

&

Pricing Proposal

“Got my daughter’s bill knocked down from $800 to $30! I love Reclaim! ”

Physician Assistant

CONFIDENTIAL AND PROPRIETARY

Annual Potential Opportunity

Overbilling correction*

Return distribution

$0.9M

Potential return

VB Payout*

Employer

$1.35M

$3M/Year

~40%

HSA/FSA Contribution

$0.6M

With Auto Enrollment Activation

Tax savings

Employee

Medicare Transitions

~60%

$0.15M

Page 9

*Does not include historical recovery

Option One

Traditional PEPM Pricing Proposal

With SLAs and Fees at Risk

Proposed pricing based on a 3-year agreement.

Agreement on press release, case study, reference

confidential & proprietary

If contract is signed by 12/31/25

Traditional PEPM Pricing Proposal

With SLAs and Fees at Risk

Proposed pricing based on a 3-year agreement.

Agreement on press release, case study, reference

confidential & proprietary

Option One - Traditional PEPM Model

100% Annual Contract Value at Risk: $342,815

1) System Uptime/Data Availability (SLA)

• 15% of total fees at risk
• Measure: SLAs guaranteeing a minimum of 99% uptime and availability of data and platform access

$102,844

2) Support Responsiveness (SLA)

Categories 1 & 2

• 15% of total fees at risk
• Measure: Group-level and member-level support responsiveness (95% of requests answered within agreed upon response times dependent on urgency)

$239,970

3) Identification of Opportunities (Financial Recovery)

Categories 3 & 4

• 30% of fees at risk
• Measure: Identification and documentation of savings opportunities
• Commitment: 1 x ACV
• Definitions: Opportunity identified. A savings or value opportunity that is clearly documented and actionable in the claims workflow.

4) Actions taken & successful interventions (Financial Recovery)

• 40% of fees at risk
• Measure: Opportunities with successful action taken leading to financial recovery, including voluntary benefit claim approval; agreement from the provider, TPA/carrier; pre-tax savings impact; Medicare transitions, etc.
• Commitment: 1x ACV
• Definitions: Interventions initiated and successfully executed to address an identified opportunity

Measurement period = Annual Billing Cycle

confidential & proprietary

Option Two

Recovery Based PEPM Pricing

When a financial recovery milestone is achieved, Reclaim earns a PEPM increase to the next level, the increase is retroactive to day 1 of the contract. Agreement on press release, case study, reference Implementation is $25k paid upfront one time 3 year term * Base PEPM rate is subject to system uptime and advocate repsonse time SLAs outlined in the MSA

confidential & proprietary

Trusted by 100+ employers and 1.5M families to control of their healthcare spend.

confidential & proprietary