BenefitsBenefits - HealthcareLive
HealthcareLive Benefits · Concierge ISC

Concierge Healthcare
for Everyone

HealthcareLive Benefits · Integrated Specialty Care

One Clinical Advisor triages every health event across 8 care areas and routes to the right specialist in hours, not weeks. MSK, urgent care, chronic disease, mental health, specialty consults, men’s and women’s health, second opinions, and complete care navigation. For the employer, that means fewer avoidable ER and urgent care visits, lower per-employee spend, and a benefit your workforce actually uses. 24/7/365. Entirely outside the group health plan. $0 owed until care is needed.

🔒SOC2 Type II
🏥HIPAA Compliant
🌐300+ Languages
86.6 NPS
HealthcareLive Benefits
88%
of workers report MSK pain in the last 3 months
Frye, 2026
$61.9B
annual U.S. cost of workplace injuries, largely MSK
National Safety Council
9.6%
projected rise in U.S. healthcare costs in 2026
Mercer Health Trends
52%
of U.S. adults delayed or skipped care in the past 12 months
KFF Health Tracking Poll
Common Questions: Answered

Before you ask: here’s what every benefits leader wants to know.

We built this page so your CFO, your broker, and your safety director can all get straight answers before the first call.

Objection 01
📱
“Isn’t this just another telehealth app?”
No. A Clinical Advisor triages every entry point, then routes the episode to virtual urgent care, primary care, 20+ specialties, imaging, and surgical navigation. Telehealth is one step in a coordinated 8-component pathway, not the whole product.
Clinical Advisor triage20+ specialtiesImaging & surgical nav
Objection 02
👥
“Will employees actually use it?”
Our NPS is 86.6 out of 100: a score that dwarfs most healthcare platforms and rivals best-in-class consumer apps. The platform is available 24/7/365, by phone or video, in 300+ languages. 96% of users recommend it to a colleague. $0 owed until they actually need care removes the enrollment friction entirely.
86.6 NPS96% recommend300+ languages24/7/365
Objection 03
📋
“Will this disrupt our current plan?”
No. Concierge ISC sits entirely outside the employee health benefits plan as an access layer. No plan amendment required. No carrier involvement. Nothing about your existing plan design, carrier, or renewal needs to change. Our team manages setup, co-branded enrollment materials, and a dedicated onboarding program.
Outside the health planNo plan amendmentTurnkey onboarding
One Clinical Advisor Model. 8 Care Areas. 24/7/365.
Concierge Healthcare for Everyone™: Not Just the Executive Suite.
Traditional concierge medicine runs thousands of dollars a year in out-of-pocket retainer fees, which keeps it out of reach for most of your workforce. HealthcareLive delivers that same concierge-style access through the employer. Every enrolled employee and dependent gets a dedicated Clinical Advisor team that triages any health concern and routes the entire episode, across all 8 care areas, to the right specialist in hours, not weeks. No waiting rooms. No referral paperwork. One activation covers the employee and their enrolled family, with $0 owed until care is needed; so the benefit reaches every employee, not just the executive suite.
8 Programs · One Access Point
🚨
Urgent Care
Adult & Pediatric · <20 min
24/7/365
❤️
Chronic Care
Diabetes · HTN · COPD · GLP-1
Ongoing
🧠
Mental Health
Therapy · Psychiatry · EAP
Per visit
🦴
MSK & Orthopedic
Triage · Imaging · Ortho · PT
24/7 triage
🏥
Specialty Care
Cardiology · GI · Pulm · ENT +16
12–48 hrs
⚕️
Men’s & Women’s Health
OB-GYN · Urology · Hormones
Same QB
🔍
Second Opinion
Cancer · Surgery · Diagnosis
Highest ROI
🧭
Care Navigation
Full episode · Imaging · Surgical nav
Always on

8 Care Areas. One Clinical Advisor. One Platform.

Not a benefits portal. Not a telehealth perk. A complete concierge specialty care program available to every enrolled employee and dependent: 20+ specialists, always on, entirely outside the group health plan.

01
🚨
Urgent Care
Board-certified provider in under 20 minutes for acute illness: adults and children. Prescription filled remotely. 96% of visits resolved without in-person care.
Adult + Pediatric<20 minRx remote fill
24/7/365
02
❤️
Chronic Care
Ongoing management for chronic conditions driving the majority of employer healthcare spend. Clinical Advisor coordinates PCP, specialist, and member to prevent costly acute exacerbations.
DiabetesHypertensionCOPDGLP-1
Ongoing · Clinical Advisor-coordinated
03
🧠
Mental Health
Counseling, therapy, psychiatry, and EAP access through the same Concierge network. A Clinical Advisor routes mental health concerns at first contact, not after a 6-week waitlist.
CounselingTherapyPsychiatryEAP access
Per-visit FFS · Same network
04
🦴
MSK & Orthopedic
Highest-cost, highest-frequency care area for working-age adults. Triage, rapid imaging (often same-day, up to 72 hours by availability), virtual ortho in 12–48 hours, and PT or injection referral coordination. No 3-week wait.
Injury triageRapid imagingOrtho 12–48 hrsDigital PT
24/7 triage · Ortho in 12–48 hrs
05
🏥
Specialty Care
20+ specialist types available: one Clinical Advisor triage, not a separate referral system. Specialist in 12–48 hours vs. the typical 2–6 week in-person wait.
CardiologyPulmonologyCritical CareGIENTEndocrinology
Specialist in 12–48 hrs · 20+ types
06
⚕️
Men’s & Women’s Health
Reproductive and hormonal health, family planning, and preventive screenings: routed through the same Clinical Advisor team. Care employees most frequently delay without a trusted navigator.
OB-GYNUrologyHormonesFamily planning
Same network · One entry point
07
🔍
Second Opinion
When a major diagnosis or surgery recommendation calls for a second look, the Clinical Advisor coordinates a review by a second board-certified specialist. One unnecessary surgery avoided pays for the program many times over.
Board-certified reviewCancerSurgery rec.
Highest ROI benefit in employer healthcare
08
🧭
Care Navigation
The thread connecting all 8 care areas. The Clinical Advisor navigates the entire episode from entry to resolution: imaging, specialist routing, labs, prescriptions, follow-up, and surgical navigation. This is what makes it concierge, not just telehealth.
End-to-end episodeImaging coord.Surgical nav
Full episode · Not just the first visit
Care Area 04: The Digital MSK Clinic
–85%
avg. cost reduction per MSK episode managed through HL

MSK & Orthopedic Care: Instant Specialist Access for Every Sore Joint, Muscle, and Injury

Musculoskeletal disorders are the leading cause of workplace injuries and the #1 driver of unnecessary specialist referrals, ER visits, and workers’ comp spend. HealthcareLive replaces fragmented urgent care with a coordinated MSK pathway that gets employees the right care in minutes, not weeks. Only 10% of HL-managed cases require outside care vs. 40% with digital-only competitors.

📱
mymobility® app integration: 100 digital care pathways
No wearables, no sensors, no extra devices. Just a smartphone. Tracks pain, steps, and flags when to check in with a specialist. Free welcome & wellness kit included.
🦴
Virtual ortho in 12–48 hours: imaging at cash-pay rates
Clinical Advisor orders XR/MRI at significantly below hospital rates, often same-day and typically within 72 hours depending on local availability. Surgical PA or orthopedic surgeon on video in 12–48 hours. No 3-week specialist wait that turns a sprain into a surgery referral.
📊
Finance-ready outcomes reporting
Quarterly cost summaries comparable to actuarial reports: claim reduction, return-to-work velocity, and cost savings by quarter. CFO-ready at every renewal.
MSK Pathway: How It Works
Injury triage → imaging → specialist → recovery → return to work
Board-certified triage <5 minutes: anywhere, any shift
📷
XR/MRI: often same-day, up to 72 hrs
🦴
Ortho surgeon or surgical PA on video in 12–48 hours
🏃
Digital PT with licensed therapist + 100 care pathways
💉
Injection referral coordination when clinically indicated
🏥
Surgical navigation to curated high-value specialist network
📊
Finance-ready outcomes dashboard: CFO-ready at renewal
–85%
avg. cost reduction
10%
need outside care
general MSK ROI
Care Areas 01 + 08: Urgent Care & Care Navigation
<20 min
to a board-certified provider: 24/7/365, 300+ languages

Virtual Urgent Care + Full Episode Navigation: The Provider on Demand Your Workforce Actually Uses

52% of U.S. adults delayed care last year because of cost, wait times, or inconvenience. Delayed care becomes expensive care. HealthcareLive’s Virtual Urgent Care gives every employee immediate access to a licensed provider: for adults and children, on any device, in any language. Care Navigation is the thread connecting every episode from first contact to resolution.

👩‍⚕️
Board-certified providers, not a chatbot or nurse hotline
Real licensed physicians who can diagnose, treat, and prescribe. Prescriptions sent to any pharmacy during the visit. 96% of cases resolved without in-person care.
🧭
Care Navigation: the Clinical Advisor manages the full episode
Not just the first visit. Imaging coordination, specialist routing, lab orders, prescription management, follow-up scheduling, and surgical bundling. This is what makes it concierge.
🌐
300+ languages: multilingual workforce fully covered
Available in the language your employees actually speak. Professional interpreter and translator support included. Clinical care in 300+ languages, across all 8 care areas, on any device.
Urgent Care & Care Navigation: What’s Covered
Every acute concern: adult and pediatric: plus full episode navigation
🤧
Colds, flu, sinus infections, UTIs, ear infections
🧒
Pediatric urgent care: all ages, no appointment
💊
Prescriptions sent to any pharmacy during the visit
🧪
Lab orders when needed: discounted lab rates
📋
Specialist routing from Urgent Care visit: no re-triage
📈
End-to-end episode navigation: imaging, specialist, follow-up
🌐
300+ languages: clinical care in the employee’s language
<20 min
to provider
96%
no in-person care
$0
vs. $1,300+ ER avg.
Care Areas 02, 03, 06 & 07: Chronic, Mental Health, M&W Health, Second Opinion
4 care areas
coordinated by a Clinical Advisor team; one activation covers the employee and their entire family for the activation period

Chronic Care, Mental Health, Men’s & Women’s Health, and Second Opinions: The Care Your Employees Are Avoiding

Most wellness programs sit unused because they’re generic and hard to access. Mental health waitlists run 6 weeks. Chronic disease management falls to an internist or specialist many employees do not even have. Second opinions on major diagnoses never happen. A Clinical Advisor makes all four a single-touch experience: identified at triage, routed immediately, managed through the same network.

❤️
Chronic care coordination: diabetes, HTN, COPD, obesity, GLP-1
The Clinical Advisor coordinates ongoing care between PCP and specialist, reducing acute exacerbations that generate the most expensive claims. The single highest-dollar opportunity after MSK.
🧠
Mental health: counseling, therapy, psychiatry, EAP in the same network
Not a siloed EAP portal. Routed through a Clinical Advisor at triage, not put on a 6-week waitlist. Counseling, therapy, and psychiatry billed per-visit FFS. 88% recommend the wellness program to a colleague.
🔍
Second opinions: highest ROI benefit in employer healthcare
One unnecessary surgery avoided pays for the entire program many times over. When a primary care provider recommends a specialist consult on a major diagnosis, the Clinical Advisor coordinates an independent review with a second board-certified specialist.
4 Care Areas: One Clinical Advisor Entry
Chronic · Mental Health · Men’s & Women’s Health · Second Opinion
💉
Diabetes, HTN, COPD management: Clinical Advisor-coordinated
📊
GLP-1 management & obesity care coordination
🧠
Counseling, therapy, and psychiatry: routed at triage, not waitlisted
👥
EAP access in the same Concierge network
⚕️
OB-GYN, Urology, hormonal health: one Clinical Advisor entry point
🤟
Family planning and preventive screenings
🔍
Second opinion on any major diagnosis: board-certified review
88%
recommend
300+
languages
86.6
NPS
The Clinical Advisor Model

One entry point. Every episode routed to the right care: in hours, not weeks.

Every health concern, across all 8 care areas, starts with a Clinical Advisor assessment. From there, a Clinical Advisor routes to the right specialist and coordinates the entire episode. This 24/7 access, intercepting and routing care before it becomes an avoidable ER or urgent care visit, is what makes it concierge, not just telehealth: expedited help for the employee and their dependents that lowers the employer’s annual healthcare spend.

Diagnostic Diagram
The Financial Case

Your CFO will want to see this before they approve anything else.

HealthcareLive Benefits doesn’t just reduce claims: it delivers a measurable, documented return that your finance team can build into projections. 2.8× net ROI at conservative engagement. 12× when Benefits and Workers’ Comp are combined.

Hinge Health / Sword Health
Digital-Only MSK Programs
57% avg. savings
⚠️Digital-only programs miss 50% of employees with problems or worsen conditions through generic PT
⚠️40% of patients still require outside care at $6,000+ per case
⚠️No urgent care, no chronic care, no mental health, no second opinions
⚠️No Care Navigation: employees still navigate the system alone
HealthcareLive + Workers’ Comp
Full Stack ROI
12×
Including productivity & indemnity savings
📊When Benefits and Workers’ Comp are combined, including productivity loss and indemnity savings, HL delivers industry-leading 12× ROI
💰A 1,000-person employer averaging 80 injury claims per year: $6,000 → <$600 per claim = $432,000+ annual savings
Combined Benefits and Workers’ Comp savings modeled to your specific claims data

A 1,000-person manufacturing employer averaging 80 injury claims per year can expect to reduce per-claim cost from ~$6,000 to under $600: a potential annual saving of $432,000+ before accounting for workers’ comp indemnity and productivity recovery.

Request a Custom ROI Estimate →

Based on aggregate outcomes data across HealthcareLive employer clients, 2023–2025. ROI figures include direct medical spend reduction. Full methodology and actuarial detail available upon request.

Full Coverage Comparison

Not all MSK & benefits platforms are built the same.

HealthcareLive is the only platform that covers the complete care continuum: from prevention and triage through surgery navigation, behavioral health, chronic care, and second opinions: all through one coordinated Clinical Advisor.

Feature
HealthcareLive
Hinge Health
Sword Health
Clinical Advisor: full episode triage & navigation
Virtual Urgent Care (Adult + Pediatric)
Chronic Care Management (Diabetes, HTN, COPD, GLP-1)
Mental Health (Therapy, Psychiatry, EAP)
Partial
Partial
MSK & Orthopedic Care (Digital PT + Ortho)
Specialty Care: 20+ types (Cardiology, GI, ENT…)
Men’s & Women’s Health (OB-GYN, Urology, Hormones)
Second Opinion (board-certified specialist review)
Rapid imaging at cash-pay rates (XR/MRI)
Surgical navigation & curated specialist network
Partial
On-site Clinical Advisor network
300+ language support across all care areas
$0 owed until care is needed
Proof Point

An E-Commerce Fulfillment Company Reduced Per-Injury Cost by 95%: Without Cutting Benefits.

Case Study
E-Commerce & Fulfillment Company
E-commerce & fulfillment · 20,000+ employees · Multi-location operations
“The results were impossible to argue with. We went from a $6,000 average cost per injury to $303. Our HR team had the data they needed to make the case at board level and employees loved the program.”
85%
Reduction in injury-related medical spend
96%
Employee recommendation rate
$6,000
Avg. cost per injury (before)
$303
Avg. cost per injury (after)

How They Did It

Immediate triage: no ER wait
Injured employees reached a board-certified specialist within minutes, not days: stopping low-severity injuries from escalating into workers’ comp claims that compound mod rate for 3 years.
📊
Finance-ready outcomes reporting
Quarterly cost summaries gave the CFO data comparable to actuarial reports: making budget justification straightforward at renewal time.
👥
High utilization from day one
With 96% employee recommendation rates and on-site enrollment support, HealthcareLive achieved above-benchmark utilization across all warehouse locations from the first month.
Implementation

From contract to employee enrollment in four steps: we handle the heavy lifting.

Our onboarding team manages rollout, communications, and employee activation. Your HR team stays in control without carrying the operational burden.

1
Contract & Configuration
Benefits Advisor builds your custom proposal. Legal and compliance review. Account configuration and Clinical Advisor assignment completed within 5 business days of contract.
2
HR Team Onboarding
Dedicated onboarding call. HR dashboard access provisioned. Co-branded enrollment materials and welcome kits prepared. Communication templates provided for all 8 care areas.
3
Employee Enrollment
On-site enrollment days with employee welcome kits. Multi-language enrollment materials. Digital enrollment via SMS or email. $0 owed at enrollment: no payment until care is used.
4
Live & Reporting
Employer dashboard live from day one. Quarterly CFO-ready cost reports. Ongoing Clinical Advisor availability 24/7/365. Benefits Advisor quarterly business review.
For Benefits Brokers

The HealthcareLive Benefits Broker Program.

If you’re a benefits broker or consultant, HealthcareLive offers a co-sell program designed to differentiate your book of business at renewal and give your clients a platform that delivers outcomes they can actually measure.

💰
Competitive referral and commission structure
Aligned to your book size, with performance bonuses for multi-client deployments. Transparent rate card, no hidden terms.
📊
Co-branded benchmark reports with exclusive industry cost data
Industry cost benchmarks and outcomes data your competitors can’t offer. Case study data by industry for client presentations.
🤝
Dedicated broker support team and co-branded employer materials
Ready-to-present client decks, ROI models by industry, and a dedicated broker success manager for your book.
🎯
Early access to Benefits product data for client presentations
Priority access to case study data, outcomes reporting, and the Concierge ISC sell sheet: everything you need to win at renewal.
Become a PartnerTalk to a Benefits Advisor
Broker Partner Program
Turn HealthcareLive Benefits Into Your Renewal Differentiator
Your clients are asking for a benefits solution that reduces healthcare spend, drives real employee engagement, and produces the actuarial-quality data their CFOs demand. Concierge ISC delivers all three and your book gets the commission structure and support to make it happen.
Frequently Asked

Everything HR, finance, and safety leaders ask before enrolling.

Straight answers before the first call.

Does Concierge ISC replace our group health plan?
No. It sits entirely outside the employee health benefits plan as a concierge access layer. Nothing about your existing plan design, carrier, or renewal needs to change to add it. No plan amendment required, no carrier involvement.
Isn’t this just another telehealth perk?
No. A single Clinical Advisor triages every entry point then routes the episode to virtual urgent care, primary care, 20+ available specialties, imaging, and surgical navigation. Telehealth is one step in a coordinated 8-component pathway, not the whole product. What makes it concierge is Care Navigation: the Clinical Advisor manages the entire episode, not just the first visit.
What’s the difference between the Concierge access fee and FFS charges?
The Concierge access fee buys access to the Clinical Advisor and Concierge Network only. Every VUC visit, PCP or specialist consult, imaging, and labs are billed separately at published FFS rates through your Account Authorization. The access fee is the front door. FFS is the care. Always distinct.
Does this work if we don’t have an on-site program?
Yes. The Clinical Advisor can be entirely virtual, accessible 24/7/365 by phone or video. If you already have an on-site HealthcareLive program for workers’ comp, adding Concierge ISC extends that same Clinical Advisor team to non-workplace health at no additional headcount cost.
Which specialties are covered?
All 8 care areas: Urgent Care (Adult + Peds), Chronic Care, Mental Health, MSK, Specialty Care, Men’s and Women’s Health, Second Opinion, and Care Navigation. Specialty Care includes 20+ types: Cardiology, Pulmonology, Critical Care, GI, ENT, Endocrinology, Neurology, Dermatology, OB-GYN, Urology, and more. All routed through the same Clinical Advisor triage process.
Who is eligible: just the employee, or dependents too?
A single activation opens a 90-day Concierge access window for the member and the entire enrolled family. One activation covers all dependents for the full 90 days. Every clinical service used by any family member is billed FFS through the Account Authorization.
🔒
SOC2 Type II
🏥
HIPAA Compliant
📋
OSHA 300/300A
🌐
300+ Languages
86.6 NPS
24/7/365
💰
$0 Until Care Needed
Talk to a Benefits Advisor

See your Concierge ISC numbers and talk to a Benefits Advisor today.

Tell us about your workforce and we’ll follow up promptly with a custom proposal, an ROI estimate built from your specific data, and the full ISC + On-Site Program sell sheet.

📊
Custom ROI estimate for your headcount & industry
Built from your actual employee count, claims history, and industry injury rates. Your Benefits Advisor builds it before the first call. No spreadsheet required.
📄
Custom ROI estimate and program overview
A full Concierge ISC program overview covering the Clinical Advisor model, two-layer pricing, FFS rate schedule, and the on-site integration story.
💰
Two-layer pricing & FFS rate walkthrough
Full published FFS rate schedule for every clinical service so your CFO and broker can model total cost before signing.
🗓️
Prefer to schedule directly? Book a time with a Sales Executive →
No form required. Skip straight to a Benefits Advisor who knows your industry.
Talk to a Benefits Advisor
Tell us about your workforce and we'll follow up promptly with a custom ROI estimate and program overview. No spam. HIPAA & SOC2 protected.

By submitting, you agree to be contacted by a HealthcareLive Benefits Advisor. We respond promptly.

One Clinical Advisor. Every Episode. Real Savings.

Secure your Benefits Advisor conversation now: we’ll build your custom proposal before the call.

8 care areas. 20+ specialists. $0 owed until care is needed. Concierge access at a price that scales to every employee, not just the executive suite. This is Concierge Healthcare for Everyone™.

SOC2 Type II · HIPAA Compliant · 300+ Languages · 86.6 NPS · 20+ Specialties · 24/7/365 · $0 Until Care Needed
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