A $1,421 decline in claim cost per participant. Here is the math, the plausible mechanisms, and the questions still worth asking.
When a service tech calls in sick, the first cost you see is the obvious one: a covered lane, an advisor juggling a bay they do not want to run, maybe a half-day of overtime to a neighbor in the shop. You feel that cost inside the same week. You put a number on it.
The second cost is the one nobody runs. It is the claim the tech files six months later because the nagging thing he ignored in February turned into the expensive thing in August. That is where dealership medical spend actually lives — not in the obvious call-outs, but in the quiet claims that show up on your stop-loss report long after the trigger.
Program data across participating dealerships shows a $1,421 decline in claim cost per participant. That is a real number, it is not a marketing round-up, and it deserves to be unpacked honestly.
The $1,421 is the average reduction in claim cost per plan participant across Elysian’s program data. It is an aggregate figure. Individual dealerships will see more, less, or about the same depending on demographics, baseline claim experience, and how hard the team actually uses the plan. We are not going to tell you your store will hit $1,421 on the dot. We are going to tell you that the mechanism behind it is well-understood and consistent.
Routine conditions get routed away from the emergency room. More than 50 routine medical conditions are treatable through telemedicine at $0 co-pay, 24/7. The tech with a sinus infection on a Sunday night does not wait two days and then drive to a standalone ER. He opens the app, sees a board-certified clinician, gets a prescription. The ER visit never happens. The ER visit was the expensive part.
Early detection catches the expensive stuff in the cheap stage. Biometric and DNA screenings are part of the plan. High blood pressure, elevated glucose, cholesterol trending the wrong way — these get flagged early, when a conversation with a clinician and a medication adjustment can change the trajectory. The alternative is a cardiac event three years later.
Behavioral support reduces stress-driven claims. A lot of what shows up as back pain, headaches, GI issues, and sleep problems on a claims report has stress as a co-driver. A confidential behavioral-health network in the plan gives the advisor going through a tough stretch somewhere to go before the stress shows up physically.
Patient advocacy keeps people from falling through the cracks. Health Advocate is part of the plan. When an employee is stuck between a specialist referral and a benefit question, there is a human who will untangle it. People who get care actually connected get better. People who get lost in the system get worse and file bigger claims later.
We are not going to pretend every dollar of that $1,421 is directly causal to a single intervention. The honest answer is that a preventive plan creates a bunch of small, compounding changes in behavior — an earlier visit here, a medication taken on time there, a specialist seen this month instead of next year — and those changes show up together on the claim ledger.
If you are evaluating this, the right questions are: What does our claims experience look like today? Where are the tall poles — ER utilization, chronic-condition management, behavioral health? How much of that is addressable with $0 co-pay telemedicine and routine preventive access? That is the conversation we would rather have than a cherry-picked case study.
Run the $1,421 across a 60-person store at average participation and you are looking at real money on an annual basis — money that either shows up as reduced claims against the medical plan, reduced stop-loss pressure at renewal, or both. Your broker will feel it. Your renewal letter will feel it.
Your team feels it too. Not as a line item, but as fewer bad weeks and fewer scary phone calls. That is the version of ROI that does not fit cleanly in a spreadsheet, but it is the one that keeps people on the schedule.
If you want to look at your actual claims experience with us, reach out and we will walk through it together.
We will walk through where the savings plausibly show up for your specific claims profile.
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