Your people feel the relief.
The company sees the saving.

Health benefits are the second largest expense a company carries. Octi protects the people on the plan and the company paying for it.

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When your employees can’t handle a medical bill, it doesn’t stay at home. It follows them to work.

~$3,900
Per employee in annual lost productivity from financial stress alone
36%
Of US households carry medical debt
17%
Of insured employees have left their jobs to find employers with better healthcare
1 in 6
Employees say their work has been directly affected by a health issue they couldn’t afford to treat

Sources: IBI, BrightPlan, KFF, Paytient, HR Stacks

Your employee uploads a bill.
We handle the rest.

Care received
What your employee does What Octi does next
Uploads the bill they received Collects every document Builds the strategy Works every party involved Keeps them updated throughout
A maximally reduced bill

You brought this in for your people. The company spends less on healthcare because you did.

Benefits budget
Line itemAnnual
Payroll taxes$—
Workers compensation$—
Company healthcare spend $412,900 $370,400
Retirement contributions$—
Illustrative

Have their back when the bill arrives. Everything else follows.

Satisfaction

Less fear around healthcare. More trust in you as an employer.

Productivity

Medical debt is the number one source of employee financial stress. Remove it.

Reduced HR noise

Employees stop calling HR about bills. We handle it directly.

HDHP enablement

Finally move to lower-cost plans without abandoning your workforce.

Talent attraction

A benefit that actually helps with bills stands out in any offer letter.

Retention

Employees who feel financially protected stay longer.

Financial wellness people can actually feel.

Medical bills are the number one cause of bankruptcy in the US. They are among the heaviest weights on your employees’ quality of life.

Octi puts an expert between your people and that weight. Someone who takes the whole thing off them, and brings the number down while doing it.

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Case 1479
Northgate Regional Nov 23–25
Results
Original bill$2,417
Final amount$1,426
We’ve managed to save you $991
MarcusWaived coverage DanaPremium too high PriyaPart-time hours LuisIn waiting period RachelOn a spouse’s plan AndreMissed enrollment

Octi covers every employee, including those who opted out of your plan or aren’t eligible. No one gets left behind.

“But we already have advocacy.”

Most employers who think this is covered have a service that explains the bill. Not one that reduces it.

What typical advocacy does
What Octi does
Explains the bill to the employee
Audits the bill line by line for errors, coverage gaps and savings opportunities
Calls the insurer or provider to clarify charges
Files missing claims, appeals misprocessed coverage, applies for financial assistance
Requires the employee to call, hold and follow up
The employee submits a bill through the app. That is it.
Human-intensive, limited to one issue at a time
AI-powered, physician-designed, and it handles the whole process
Goal: help the employee understand their bill
Goal: reduce the bill

What employers ask us.

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