Transparent, bundled surgical pricing at 40–60% below typical network rates — built specifically for self-funded employers.
Total Knee Replacement
$24,500
Veritas Surgery
$75,000
Local Provider
A Few Surgeries Can Wreck Your Year
Self-funded plans aren't broken by primary care visits. They're broken by:
Unpredictable Surgery claims
$75,000 total knee replacements
$90,000 spine procedures
Irrational insurance billing
Out-of-network exposure
Stop-loss volatility
% Surgery Spend of Company Healthcare Costs (source)
When a single orthopedics or spine claim hits, you feel it.
A Surgical Carve-Out That Protects Your Plan
Veritas protects your health plan from surgical cost volatility by replacing unpredictable hospital billing with transparent, bundled pricing. Our procedures are typically 40–60% below network rates and include a defined maximum cost per case — no surprise bills, no layered facility charges, no financial ambiguity.
Delivered through a physician-led model with experienced regional surgeons, this carve-out works alongside your existing plan design and can include employee incentives to drive adoption.
Typical Network
$75k–$120k total knee
Fragmented billing
Undefined financial exposure
Insurance-driven pricing
Stop-loss volatility
Employee subject to deductible & coinsurance
Veritas Surgery
$24,500 bundled surgery price
Single transparent price
Defined maximum cost per case
Physician-led model
Predictable episode cost
Optional $0 out-of-pocket structure
The result: lower total and predictable spend, reduced stop-loss exposure, and employees love it.
Protect Your Plan
Designed for Self-Funded Companies, Not Carriers
Reduce surgery spend by 2-5x
We work directly with:
Self-funded employers
CFOs & benefit leaders
Independent TPAs
Benefits brokers
We provide:
Sample plan document language
Incentive design frameworks
Stop-loss strategy alignment
Calculator Notes:
Actual claims and savings vary year to year.
Assuming 50% savings compared to insurance rates.
Industry benefits data shows avg. employer-sponsored premiums of ~$9,300 annually per individual. With a 1.7–2.2 covered lives per employee, self-funded plan modeling estimates costs in the $7,000 per member per year range.” KFF Employer Health Benefits Survey.
Typically 15% of all employer healthcare spend is on orthopedics or spine procedures. Segal.
Implementation Can Be Simple
1
Schedule cost review
We review your recent claims data with focused attention on high-cost musculoskeletal procedures — knees, hips, shoulders, and spine. In a short discussion, we identify where surgical volatility is impacting your plan and estimate the potential savings of a direct bundled alternative.
2
Identify high-cost surgery categories
We pinpoint the surgical categories driving the greatest financial exposure within your plan. Using transparent bundled pricing, we model projected cost differences versus your current network rates and outline where a carve-out would generate the most immediate impact.
3
Add carve-out language or plan
We provide sample plan document language and coordinate with your broker or TPA to implement a clean surgical carve-out. The structure is designed to integrate alongside your existing network — preserving flexibility while defining maximum cost per case.
4
Optional employee incentive alignment
Employers may choose to align incentives to encourage utilization of the bundled option. We provide framework examples that maintain employee choice while reducing out-of-pocket exposure and improving plan-level savings.
This is not a referral network.
It's a risk-control strategy.
