✦
A message from CVRD
We help employers save money, clients often cut premium by up to 20%. We work to protect you from future carrier rate increases and plan downgrades.

More Than Coverage.
A Whole New World
of Benefits.

What we do

Three things we do for every client.

Everything at CVRD comes back to these three commitments.

01

Save you money.

We save clients money 90% of the time, through lower premiums today and protection from carrier rate increases tomorrow.

  • Every funding structure compared on total cost
  • Pay for actual claims, not carrier profit
  • Clinical teams working to reduce high-cost claims
02

Expand your benefits.

A full suite of benefits that goes well beyond medical, built around what your employees actually need.

  • Employee care programs and on-demand services
  • Federally funded preventive health care*
  • Lower your deductibles, reduce your copays, and lower your out-of-pocket costs
03

Provide excellent customer service.

We don't sell a policy and disappear. Your team and your employees get real people, all year.

  • Advisors available all twelve months, not just at renewal
  • Clinical teams who work directly with your employees
  • Online enrollment and employee self-service
The Healthcare Operating System

Not just benefits — a system built for your business, not the carrier's profit.

Alongside a full suite of benefits, we also offer CVRD's Healthcare Operating System.

Traditional fully-insured premium$100
$65claims
$21carrier profit
$14admin

The carrier's 21% profit margin — 95% of the time, it stays in your business.

The same dollar, on a CVRD plan$100
$65claims
$14Admin, PBM & Stop Loss
$21back to you
Layer 01

Pay only actual claims

Fund a claims account and pay exactly what your employees use — no profit baked in.

Layer 02

Specific & aggregate stop-loss protection

Specific stop-loss covers any member whose claims exceed your deductible. Aggregate protection caps your total claims if they pass the attachment point, so your worst case is capped.

Layer 03

Data put to work by clinical teams

We turn your claims data into action. Active clinical teams work directly with employees to get ahead of high-cost claims and reduce the number of high-cost claimants.

The difference

Most brokers shop your renewal. We go after the
cost itself.

We don't sell a policy and step back. CVRD works your plan all year to lower what you pay and keep carriers from raising it on you. A broker, a platform, and an advisory team in one.

  • 01The structure that fits your budget, not a carrier'sFully insured, level-funded, or self-funded. We compare them on total cost so you aren't stuck with whatever a carrier wants to sell.
  • 02Cost control all year, not just at renewalAdvisors forecast spend and flag risk early, so problems are caught before they turn into a rate increase.
  • 03No add-on fees eating into your savingsThe full platform is included. Every program comes with your plan.
What we handle

Six pillars. One team.

One brokerage, from quote to claim.

01 — Strategy & placement

Plan strategy & placement.

Designed around your business, marketed to a competitive field of carriers.

02 — Pharmacy

Pharmacy & Rx spend.

Big PBMs keep the rebates. Our pass-through model sends them back to you.

03 — Compliance

Compliance & filings.

Current, filed, and audit-ready — never chased down.

04 — Tax savings

Tax optimization.

Payroll-tax dollars back in the business — no change to take-home pay.*

05 — Member experience

Employee experience.

Tools that close the gap between enrollment and engagement.

06 — Admin & data

Administration & data.

A connected back office and a real-time view of your spend.

Property & casualty

Coverage beyond benefits.

Your benefits program isn't the only risk on the books. Through our trusted partners, we place and manage your commercial P&C program too.

01 — Liability

General liability.

Coverage for third-party bodily injury, property damage, and legal defense.

02 — Property

Commercial property.

Protection for your buildings, equipment, and inventory against loss or damage.

03 — Workers' comp

Workers' compensation.

Required coverage for employee injury and illness, placed and managed for you.

04 — Fleet

Commercial auto.

Coverage for company-owned and operated vehicles, from a single van to a fleet.

05 — Cyber

Cyber liability.

Protection against data breaches, ransomware, and other digital exposures.

06 — Excess

Umbrella & excess.

Extra limits above your underlying policies when the stakes are higher.

Who we serve

The same plan, read three different ways.

One of the largest lines on the P&L. We make it work for everyone who touches it.

CFOs & finance

Forecast spend, see risk early, and control costs all year, not just at renewal.

  • Predictive visibility into claims, pharmacy & cost drivers
  • Model scenarios and intervene mid-year
  • Reclaim capital lost to embedded carrier margins
HR & people

High-value benefits with less admin and a better employee experience.

  • Tailor benefits without constant plan overhauls
  • Proactive care guidance & on-demand services
  • Clean workflows through seamless HRIS integration
Employees & families

When a health issue comes up, no one figures it out alone.

  • Nationwide PPO access for flexibility and choice
  • Meaningful prescription savings
  • Dedicated advocates, 24/7
Cities & school districts

Most public agencies are overpaying through their JPA.

Joint Powers Authorities pool risk across many agencies, and that pooling comes at a cost.

0%
average cost savings when we move an agency off a JPA
What we do

Benchmark, model, and manage the transition.

We audit your current JPA rates, reserves, and coverage, model what a fully insured, level-funded, or self-funded alternative would cost.

01

JPA benchmarking

We compare your JPA's rates and coverage against the open market, so your board sees exactly what pooling costs you.

02

Every Bargaining Unit, engaged from day one

No rate increases or plan downgrades in year one, then real upgrades and lower costs starting year two.

03

Every contract, cross-checked

We review every contract and MOU line by line, so negotiated terms are upheld exactly as written, while lowering your cost.

04

Hands-on support

Direct member enrollment, backed by a dedicated service team, free software, and monthly data updates.

Employee care

Tools your team will actually notice and use.

Every program below is included with your plan, built to close the gap between enrollment and engagement.

🧭

Care Navigator

24/7 support to navigate care, find providers, and cut out-of-pocket costs.

Included
📹

Virtual Care

On-demand medical and mental health care that cuts ER and urgent-care visits.

Included
💗

Chronic Care Management

Coaching and devices for diabetes, hypertension, and weight — lowering A1C and claims.

Included
🤝

Human Care Advocates

Specialists for second opinions, cost estimates, scheduling, and claims disputes.

Included
🔎

ClearCare Physician Match

Scores physicians on five dimensions so employees match to the right doctor.

Included
🏷️

Marketplace

Thousands of discounts on travel, dining, electronics, and entertainment.

Included
📣

Year-Round Communication

Targeted reminders all year that drive real use of their benefits.

Included
📘

Interactive Benefits Guides

Dynamic visual guides employees actually read — replacing static PDFs.

Included
🛡️

HR Sentinel

On-demand employment-law answers, handbooks, and templates for HR.

Included
📚

HR & Compliance Resources

Handbooks, policies, and compliance tools tailored to every client.

Included
📊

Benchmarking & Market Data

Real market data for confident, informed leadership decisions.

Included
⚙️

HRIS & Benefits Administration

Online enrollment, eligibility management, carrier connections, and employee self-service.

Included
Federally Funded Preventive Health Care

Nine Services. Every Employee. Starting Now.

A free federally funded preventive healthcare program offered to all of your employees that saves the company money.

99%
of insurance brokers don't offer these programs
Why this is different

Niche by design, because it's hard to do.

Most brokers simply don't understand these programs.

$0
Avg savings for employers for a 100 person company per year
$0
Net cost increase for the employer
🩺24/7 Access$0 Copay

Virtual Primary & Urgent Care

💼Up to $150K

Universal Life Insurance

💊1,000+ Meds$0 Copay

Prescription Medications

🧠Nationwide Network

Mental Health & Behavioral Care

🦴66% Fewer Claims

Musculoskeletal Care

🔬$0 Copay

Preventive Lab Panels

🌿Physician-Supervised

GLP-1 Weight-Loss Program

🔭3 Visits / Year$0 Copay

Virtual Dermatology

🐾All Pets Covered

Pet Telehealth & Rx Savings

What clients say

Trusted by forward-thinking organizations.

★★★★★
“Our partnership with CVRD has empowered us to deliver better value to our employees, enhancing both satisfaction and retention.”
Rachel
Head of HR · Systems Integration Company
★★★★★
“With CVRD's platform, we've achieved unprecedented transparency in our healthcare spending, leading to significant cost savings.”
Michael
CFO · 300-Employee Tech Company
★★★★★
“The ability to make mid-year adjustments has let us stay agile and responsive to our employees' needs while controlling expenses.”
Samantha
HR Director · Global Distribution Company
★★★★★
“CVRD has transformed how we manage healthcare costs. The real-time insights have been a game-changer for our budgeting process.”
Alex
CFO · Tech Innovation Company
★★★★★
“CVRD took us from a $7 million annual spend down to $5.2 million, without cutting what our staff and their families rely on.”
Denise
Superintendent · Public School District, 380 Employees
The last healthcare plan you'll ever need

Let's see what your plan is really costing you.

Bring your current numbers — we'll model what owning your plan looks like.

Schedule a demo Email hello@gocvrd.com