AI-Guided Health Wallet for Employers

Stop paying for healthcare
your employees can't use.

Sovra connects insurance, cash-pay care, and employee benefits into one AI-guided healthcare wallet — with real visibility for HR teams.

See How Sovra Works Book a Demo →
✓ Works with existing insurance ✓ No per-claim fees ✓ Setup in under a week ✓ HIPAA compliant
9:41🔋
Good morning,
Sarah R.
Benefits Balance
$1,240
Funded by Meridian Tech · Resets Feb 28
$480 Medical
$360 Rx
$400 Wellness
✦
Ask Sovra anything about your health…
↑
Quick Actions
Find a Doctor
Upload Labs
Health Journal
My Wallet
Sovra noticed: Your A1C from last month is slightly elevated. We found 3 in-network endocrinologists near you. Tap to review.
›
Recent Activity
See all
Rx Copay — CVS Pharmacy
Paid from Rx balance
Today
-$15
Wellness Reward
Annual checkup completed
Feb 14
+$50
Dr. Martinez — Primary Care
Copay from Medical balance
Feb 10
-$25
The hidden problem

A second healthcare system
already exists.

Your benefits plan funds insurance. But your employees are also paying for care outside the plan — every single day.

What employees pay for themselves
Telehealth visits
GoodRx prescriptions
Direct Primary Care memberships
Cash-pay labs & diagnostics
What employers can’t see
Where employees are actually getting care
Which employees are skipping care
What’s driving next year’s renewal
Whether their investment is working
What brokers don’t track
Out-of-network cash spending
DPC memberships funded by employees
Telehealth outside the plan
Prescription discount apps
This parallel system already exists. It’s happening without you. Sovra makes you part of it.
The gap

Two systems. No connection.

What employers fund and what employees actually use have never been in the same place — until now.

What employers fund
The insurance system
Insurance premiums
Claims reporting
Annual renewals
Rising deductibles
GAP
What employees actually use
The real-world system
Telehealth
DPC memberships
Cash-pay providers
Prescription discounts
These systems don’t connect. Sovra connects them.
The solution

Sovra connects healthcare
spending to actual care.

One platform that works for the employer, the employee, and the HR team that has to justify every dollar.

01

Employer-Funded Wallet

Give every employee a real balance they can use for healthcare — funded by you, guided by AI.

Insurance services & copays
Telehealth visits
Direct Primary Care
Prescriptions & labs
02

AI Care Navigation

Sovra guides every employee to the right care at the right cost — automatically. No confusion, no HR calls.

Plain-language care guidance
Routes to insurance, DPC, or cash-pay
Works year-round, not just at enrollment
2.7M+ credentialed providers
03

Employer Visibility

For the first time, see where your benefits investment is going — and what’s about to become an expensive problem.

Where care is actually happening
Emerging population health risks
AI-surfaced cost drivers
Always anonymous — HIPAA compliant
How it works

Simple for HR to deploy.
Powerful for employees to use.

Most benefits platforms stop at enrollment. Sovra starts there — and keeps working all year.

Employer
Funds wallets,
sets budgets
→
Employee
Opens app,
sees balance
→
Sovra AI
Guides to right
care & cost
→
HR Team
Sees real data,
controls spend
01

Employer funds wallets

Set healthcare budgets per employee by category — medical, Rx, wellness, DPC. No carrier. No premiums. Funds land instantly.

02

Employees use the app

Instant access to their balance, care network, and AI navigator. They see their options in plain language — not insurance jargon.

03

Sovra AI guides care

Every employee gets the right care at the right cost, automatically. Insurance, DPC, or cash-pay — Sovra always finds the smartest route.

04

HR sees live data

Live spend dashboard, anonymous population risk signals, and AI intervention alerts — walk into your CFO’s office with real numbers.

For HR & Finance teams

Your command center.
Real data. Real signals. Full control.

For the first time, you can see where your benefits investment is going — and what’s about to become an expensive problem. All anonymous. All actionable. Example dashboard — illustrative data

app.sovra.care/dashboard
Overview
AI Insights
Spend Analysis
Wallet
Employees
Settings
Meridian Tech Corp
847 employees · Plan year active
Overview Dashboard
Last updated 2 min ago
Jan 2026
Anonymous mode on
Projected Savings
$4.2M
↑ 18% vs prior year
Spend Under Mgmt
$12.8M
↑ 847 active members
High-Risk Members
124
↑ 7 new this month
AI Interventions
38
23 completed
Health Spend by Category
Specialty Rx
$3.2M
Inpatient / Surgery
$2.9M
Outpatient / ASC
$2.1M
Primary Care
$1.6M
Mental Health
$1.2M
Monthly Trend
FebAprJunAugOctJan
✦ AI Signal
Diabetes intervention opportunity
47 members show pre-diabetic markers. Early program enrollment could prevent escalation to specialty Rx.
↓ $340K projected savings
Population Risk Distribution
2,847
lives
High Risk
124 (4%)
Moderate Risk
398 (14%)
Low Risk
2,325 (82%)

Always anonymous

Population trends and risk signals only. Individual health data stays with the employee — always.

See claims coming before they arrive

AI surfaces intervention opportunities before a small health issue becomes a $40,000 claim at renewal.

Full wallet control

Fund, allocate, and rebalance employee wallets from one screen. No spreadsheets, no delays.

A number you can bring to your CFO

Spend by category, by month, by cohort. Finally, benefits ROI you can actually defend.

Real world examples

What Sovra looks like in practice.

The AI routes employees to better care at a fraction of the cost — automatically.

Telehealth Instead of ER

Same-day care,
without the ER bill

Sovra telehealth visit $85
ER visit (avg) $1,200
Sovra AI guided the employee to telehealth first
Direct Primary Care

A doctor who actually
knows them

DPC membership / month $101
Traditional visits + claims $400+
Unlimited visits, same-day access, discounted labs
Prescription Savings

The medication they need,
at a price they can afford

Sovra finds GoodRx alternative $12
Pharmacy list price $74
Employees don’t skip meds because of cost
For HR leaders

Why HR leaders adopt Sovra.

Finally, a benefits tool built for the person who has to defend the budget, manage the renewal, and get the blame when employees are unhappy.

Predictable healthcare budgets

Defined contribution model. You set the wallet amounts. You control the spend. No more opaque premium increases without warning.

Better employee experience

Employees who can actually use their benefits are employees who feel taken care of. Fewer HR calls. Higher satisfaction. Lower turnover.

Real-time cost visibility

See where your healthcare dollars are going — by category, by month, by cohort. The data your CFO wants at renewal, in one screen.

Fewer surprise renewals

AI signals surface emerging health risks before they become expensive claims. You see what’s coming — weeks before your broker does.

Coverage pays claims.  Sovra helps employees get care.
See it in action

See Sovra in action.

A 30-minute walkthrough with your team. We show you the AI care navigation, the employee wallet, and the employer dashboard — live.

AI care navigation
Employee wallet
Employer dashboard
Live for your team size
Schedule a Demo → Talk to Sales

No commitment required  ·  Setup in under a week  ·  Cancel anytime

Common questions

Things HR teams ask us first

No. Sovra sits alongside your existing insurance — it doesn’t replace it. Think of it as filling the gap between what insurance covers and what employees actually pay out-of-pocket. If you have no insurance at all, Sovra can also function as your entire benefits program through employer-funded wallets and DPC access.
Not at all. Sovra works alongside your existing broker and carrier relationships — nothing gets disrupted. Brokers can also offer Sovra directly to their employer clients as a differentiated product. The fastest path is to add Sovra as a supplemental layer on top of your current plan.
Yes — and this is one of the most common ways teams start. You fund employee wallets across medical, Rx, wellness, and Direct Primary Care. No insurance carrier, no broker, no open enrollment. Competitive benefits, live in under a week.
Never. The employer dashboard shows only aggregated, anonymous population data — risk distributions, spend trends, and AI-surfaced signals. Individual health information belongs to the employee and stays with them, even after they leave your company.
Most teams are live in under a week. There’s no IT integration required — you fund the wallets, employees download the app, and Sovra handles everything else.
More questions? See the full FAQ →