Plan Architecture

One Accountable Plan. Specialized Components.

Level Health combines carrier-like simplicity with transparent, modular execution. Members see one plan experience while behind the scenes each component is selected and managed for performance.

One ID card, one monthly payment, one accountable service model.
Clinical pathways and direct contracts designed to reduce avoidable spend.
Data and engagement loops that support stable, defensible renewals.

Architecture Layers

Care Navigation Layer

Members are steered to high-value $0 care pathways first, reducing friction and improving early intervention.

Primary care and virtual-first access
Mental health support pathways
Guided specialty routing

Claims + Financial Layer

Employers get predictable budgets with clear risk structures and transparent economics.

Level-funded protection mechanics
Pass-through economics
Full claims visibility and trend reporting

Pharmacy + Specialty Layer

Pharmacy strategy focuses on cost discipline and access to clinically necessary medications.

Transparent pharmacy pricing controls
Prior authorization workflows
Specialty utilization oversight

Operations + Service Layer

Service teams coordinate members, brokers, employers, and providers through one operating model.

Implementation and onboarding playbooks
Eligibility and claims support channels
Renewal preparation tied to real utilization data

How This Performs Better

Capability	Traditional Carrier Model	Level Health Architecture
Plan Simplicity	Simple to administer	Simple plus transparent structure
Data Visibility	Limited and delayed	Continuous, actionable reporting
Care Direction	Mostly reactive	Proactive member navigation
Renewal Dynamics	Trend-driven surprises	Performance-informed planning

Want a Plan Architecture Review for Your Group?

We can walk through structure, risk controls, and implementation fit for your specific population.

Request a Review Email the Team