Trusted by 100+ employers and 1.5M+ families to regain control of their healthcare spend.
October 2, 2025
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 & MODELING
claims data
benefits optimization
PAYMENT ADVOCACY
Past and ongoing, all covered lives.
Claim overpayment recovery, voluntary benefits, FSA dollars, etc.
Year-round contextual education, utilization and expense prediction.
On-demand opportunity analysis, reporting, and benefit strategy simulations.
confidential & proprietary
AI-powered. Proactive. Focused on financial optimization.
Detect
Recover
Recommend
Billing inaccuracies
Predict care utilization
File appeals & correct bill
Recommend medical benefits
Adjudication inaccuracies
File grievance & adjust claim
Optimize FSA/HSA contributions
Significant/balance bills
Negotiate bills for financial relief
Recommend voluntary benefits
Owed provider credits
Process check reimbursements
Trigger cost containment programs
Owed FSA dollars
Process FSA reimbursements
Ingest complex network designs
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
Do you have any outcomes or ROI metrics that you can share?
Reclaiming healthcare dollars.
ACROSS OUR BOB
40% / 60% Employer & employees
No benefit reduction
$6.3M
No member behavior change
real dollars back in employer's budget and employees' pockets for every 10K covered families per year
Employer & employees
Employees
Employer & employees
100% Employer
Owed benefits
Benefit elections
Billing advocacy
Medicare transitions
- Overcharge recovery
- Bill negotiation
- Patient credits
- Benefit adoption
- Increased pre-tax
- Medicare transitions
- Voluntary benefits
- Wellness credits
- FSA reimbursements
~ 3.5% of total medical spend
confidential & proprietary
How are you different?
One-time activation unlocks ongoing savings.
24/7/365 review and recovery
Easy program activation
100% of claims reviewed
From the smallest co-pay to the largest hospitalization and everything in between.
No employee action
Employees asked to activate Reclaim in the flow of their benefit enrollment, enabling recovery services for past and future bills.
Elective
Automatic
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%
79%
Broad impact to all
We serve 100% of covered employees and their dependents
activations enabling recovery without employee action.
Rollout anytime!
enrolled in Reclaim as part of their group health plan.
electively activate at enrollment across our BoB.
Integrated with your existing ecosystem
Independent of OE
Existing data arrangements w/ TPAs and carriers, no plan/benefit disruptions
confidential & proprietary
Analytics, Insights, Benefit Simulation.
Proven trust & improved affordability through personalized recommendations.
"Very helpful for employees to evaluate their options and personal needs. It drove much higher participation into our new plan than anticipated, which was great!"
"Thank you for the analysis of the current medical plan spending and recommending I change plans because I am overpaying. That info is very helpful!"
72%
1.9x
Act on our recommendations
Adopt optimal benefits
Administrative staff
Sr. Mngr, Health & Wealth
College University
Energy Company
confidential & proprietary
Analytics, Insights, Benefit Simulation.
analyze
engage
recover
report
Immediate visibility into savings and benefits engagement opportunities.
Detailed claims data offers insights into bill savings opportunities and sensitivity analysis through simulating product-member fit, personalized to your own plan members needs.
confidential & proprietary
budgeting
bill savings
Claims
Optimized benefits and budgeting.
Collaborative filtering yielding time-based utilization predictions. Out of pocket prediction & pre-tax contribution optimization.
"Having actual claims data makes it do its magic! Employees appreciate the valuable insight and guidance it provides."
Director, Total Rewards
Financial Services Company
confidential & proprietary
analyze
engage
recover
report
Personalized recommendations and budgeting from day 1.
Collaborative filtering yielding time-based utilization predictions. Out of pocket prediction & pre-tax contribution optimization.
"Having actual claims data makes it do its magic! Employees appreciate the valuable insight and guidance it provides."
Director, Total Rewards
Financial Services 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.
"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.
"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
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/
analyze
engage
recover
report
"Thank you for ensuring I was not double billed!"
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 been the only service billed.
employeE saved
5. We reconcile patient credit
1. Reclaim detects error
2. We initiate bill review
3. Provider re-submits claim
4. TPA credits employer
$1K
employeR saved
AI detects issue and alerts Reclaim advocates.
Advocate contacts TPA and provider, pauses collection.
Formal claim re-submission to TPA is preferred.
We coordinate patient reimbursement & HSA mistaken distribution.
Reclaim monitors claim adjustment & TPA credits.
$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.
analyze
engage
recover
report
"I had no clue I could get this reimbursed!"
An employee had a sports injury with multiple fractured bones. They had forgotten they enrolled in an accident plan. Reclaim detected he is eligible for a voluntary benefit, proactively filed, and secured the payment on his behalf.
employee saved
1. Reclaim flags owed VB
2. We initiate VB filing
3. We monitor VB status
4. VB issues payment
$18K
AI detects fractures triggers accident payout.
Reclaim files for VB payout on behalf of the member.
Reclaim monitors status and follows up on addt’l docs..
VB mails check with confirmation of final VB payout.
Without taking any action
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.
ongoing review
OE review
opportunity
analytics and reporting
Visibility into Reclaim's financial impact and ongoing engagement.
confidential & proprietary
Analytics, Insights, Benefit Simulation.
analyze
engage
recover
report
Visibility into medical and voluntary benefits adoption.
confidential & proprietary
Trusted by 100+ employers and 1.5M families to control of their healthcare spend.
confidential & proprietary
Southern Company_Reclaim 10.2.25
Reclaim Health
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Trusted by 100+ employers and 1.5M+ families to regain control of their healthcare spend.
October 2, 2025
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 & MODELING
claims data
benefits optimization
PAYMENT ADVOCACY
Past and ongoing, all covered lives.
Claim overpayment recovery, voluntary benefits, FSA dollars, etc.
Year-round contextual education, utilization and expense prediction.
On-demand opportunity analysis, reporting, and benefit strategy simulations.
confidential & proprietary
AI-powered. Proactive. Focused on financial optimization.
Detect
Recover
Recommend
Billing inaccuracies
Predict care utilization
File appeals & correct bill
Recommend medical benefits
Adjudication inaccuracies
File grievance & adjust claim
Optimize FSA/HSA contributions
Significant/balance bills
Negotiate bills for financial relief
Recommend voluntary benefits
Owed provider credits
Process check reimbursements
Trigger cost containment programs
Owed FSA dollars
Process FSA reimbursements
Ingest complex network designs
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
Do you have any outcomes or ROI metrics that you can share?
Reclaiming healthcare dollars.
ACROSS OUR BOB
40% / 60% Employer & employees
No benefit reduction
$6.3M
No member behavior change
real dollars back in employer's budget and employees' pockets for every 10K covered families per year
Employer & employees
Employees
Employer & employees
100% Employer
Owed benefits
Benefit elections
Billing advocacy
Medicare transitions
~ 3.5% of total medical spend
confidential & proprietary
How are you different?
One-time activation unlocks ongoing savings.
24/7/365 review and recovery
Easy program activation
100% of claims reviewed
From the smallest co-pay to the largest hospitalization and everything in between.
No employee action
Employees asked to activate Reclaim in the flow of their benefit enrollment, enabling recovery services for past and future bills.
Elective
Automatic
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%
79%
Broad impact to all
We serve 100% of covered employees and their dependents
activations enabling recovery without employee action.
Rollout anytime!
enrolled in Reclaim as part of their group health plan.
electively activate at enrollment across our BoB.
Integrated with your existing ecosystem
Independent of OE
Existing data arrangements w/ TPAs and carriers, no plan/benefit disruptions
confidential & proprietary
Analytics, Insights, Benefit Simulation.
Proven trust & improved affordability through personalized recommendations.
"Very helpful for employees to evaluate their options and personal needs. It drove much higher participation into our new plan than anticipated, which was great!"
"Thank you for the analysis of the current medical plan spending and recommending I change plans because I am overpaying. That info is very helpful!"
72%
1.9x
Act on our recommendations
Adopt optimal benefits
Administrative staff
Sr. Mngr, Health & Wealth
College University
Energy Company
confidential & proprietary
Analytics, Insights, Benefit Simulation.
analyze
engage
recover
report
Immediate visibility into savings and benefits engagement opportunities.
Detailed claims data offers insights into bill savings opportunities and sensitivity analysis through simulating product-member fit, personalized to your own plan members needs.
confidential & proprietary
budgeting
bill savings
Claims
Optimized benefits and budgeting.
Collaborative filtering yielding time-based utilization predictions. Out of pocket prediction & pre-tax contribution optimization.
"Having actual claims data makes it do its magic! Employees appreciate the valuable insight and guidance it provides."
Director, Total Rewards
Financial Services Company
confidential & proprietary
analyze
engage
recover
report
Personalized recommendations and budgeting from day 1.
Collaborative filtering yielding time-based utilization predictions. Out of pocket prediction & pre-tax contribution optimization.
"Having actual claims data makes it do its magic! Employees appreciate the valuable insight and guidance it provides."
Director, Total Rewards
Financial Services Company
confidential & proprietary
analyze
engage
recover
report
Proactive claims review and resolution.
Proprietary algorithms highlighting:
"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:
"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
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/
analyze
engage
recover
report
"Thank you for ensuring I was not double billed!"
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 been the only service billed.
employeE saved
5. We reconcile patient credit
1. Reclaim detects error
2. We initiate bill review
3. Provider re-submits claim
4. TPA credits employer
$1K
employeR saved
AI detects issue and alerts Reclaim advocates.
Advocate contacts TPA and provider, pauses collection.
Formal claim re-submission to TPA is preferred.
We coordinate patient reimbursement & HSA mistaken distribution.
Reclaim monitors claim adjustment & TPA credits.
$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.
analyze
engage
recover
report
"I had no clue I could get this reimbursed!"
An employee had a sports injury with multiple fractured bones. They had forgotten they enrolled in an accident plan. Reclaim detected he is eligible for a voluntary benefit, proactively filed, and secured the payment on his behalf.
employee saved
1. Reclaim flags owed VB
2. We initiate VB filing
3. We monitor VB status
4. VB issues payment
$18K
AI detects fractures triggers accident payout.
Reclaim files for VB payout on behalf of the member.
Reclaim monitors status and follows up on addt’l docs..
VB mails check with confirmation of final VB payout.
Without taking any action
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.
ongoing review
OE review
opportunity
analytics and reporting
Visibility into Reclaim's financial impact and ongoing engagement.
confidential & proprietary
Analytics, Insights, Benefit Simulation.
analyze
engage
recover
report
Visibility into medical and voluntary benefits adoption.
confidential & proprietary
Trusted by 100+ employers and 1.5M families to control of their healthcare spend.
confidential & proprietary