HealCoHP is not a network-first product. Traditional PPOs rely on broad networks and post-claim cost control. HealCoHP is built around direct care, bundled pricing, and intelligent navigation that guides members to the right care before claims occur. PPO access may exist as a fallback, but it’s not the primary decision engine.

No. HealCoHP is not an insurance carrier. It is a care and navigation layer that works alongside an employer’s underlying plan structure (self-funded, level-funded, or association-sponsored). HealCoHP focuses on how care is accessed, priced, and routed — not on underwriting risk.

HealCo’s AI navigation guides members at key decision points — symptoms, referrals, procedures, and follow-up care — using plan context, pricing logic, and provider availability. The goal is to steer members toward high-quality, cost-effective care paths before unnecessary utilization or surprise costs occur. Human support remains available where appropriate.

Yes. HealCoHP is designed to support small and mid-sized employers, including those that traditionally lack leverage in healthcare purchasing. Depending on structure, small employers may participate through association-sponsored plans, pooled models, or level-funded arrangements, while still accessing the same navigation and care infrastructure.

The COHP model shifts healthcare from a carrier-owned system to a community-aligned care model. Instead of value being captured primarily by intermediaries, care decisions, pricing, and incentives are aligned around employers, providers, and members. HealCoHP operationalizes this by combining direct care, bundled services, and transparent navigation into a cohesive system.