Give your team a monthly healthcare allowance. They spend it on what they actually need. You finally offer something.
Pick an amount — $150, $200, $300 per employee per month. Upload your team via CSV. Done in minutes. No carrier. No broker. No open enrollment window.
✓ You control the budget. Change it anytime.The Sovra app shows cash-pay options nearby with real prices. Primary care, urgent care, prescriptions, labs, dental, mental health. An MRI for $160 instead of $800. Primary care for $99/month. AI does the navigation.
✓ Works whether they have insurance or notEmployee submits a photo of their receipt. You approve — or set auto-approve under your threshold. Reimbursement runs through your normal payroll. Sovra never touches the money.
✓ You see aggregate spend. Never individual health data.Your employees get an AI-powered healthcare wallet on their phone. You get a real-time dashboard showing exactly how every dollar is being spent.
Employees find cash-pay providers, submit receipts with a photo, track every reimbursement. AI guides them to care they can actually afford.
Approve reimbursements, track spend by category, get AI insights. All data is anonymous — individual health info belongs to the employee, always.
Traditional PPO for a 20-person company runs $14,400/year per employee — rising 6% yearly. Most founders get the quote and give up.
$200/month per employee. Predictable budget. No carrier renewal, no broker fees. Your team finally has something real.
Cash-pay MRI: $160. Through insurance: $800. Sovra's AI shows employees the best cash-pay prices nearby — making every dollar go further.
No — and that's the point. It's real money for real healthcare expenses. No deductibles, no networks, no surprise bills. Employees pay cash, submit a receipt, and get reimbursed next paycheck. It's the same model as a phone or home office stipend — just for healthcare.
In Phase 1 it's added to payroll as taxable income — identical to a phone or remote work stipend. A $200 stipend is worth ~$140 after tax. That beats $0 every time. Interested in making contributions tax-free? We support options that can get you there. Talk to us.
Primary care, urgent care, prescriptions, labs, imaging, dental, mental health, telehealth — anything with a receipt. Sovra's AI finds cash-pay providers nearby with real prices. An MRI that costs $800 through insurance? Often $160 cash. Primary care at a DPC clinic? $99/month unlimited visits.
No. You're adding a taxable line item to payroll — something employers do every day for phone, internet, and wellness stipends. There's no plan document, no carrier relationship, no ERISA obligation. Sovra is a workflow and reimbursement tool. You're the employer making decisions; we're the software that makes it simple.
Most employers are live in under a week. Upload your team via CSV, set a monthly amount, and we handle invites and onboarding. No IT integration, no open enrollment window, no carrier paperwork. Your team gets the app the same day.
We built Sovra because we couldn't afford the alternative and we refused to offer nothing. If you've been telling yourself "we'll deal with benefits later" — this is what later looks like.
One platform fee. You control how much you fund. No setup fees, no per-claim fees, no broker commissions.
A real number on the first call. No month-long discovery process. We'll show you exactly what it costs for your headcount.
Get your number →30-minute demo. Real numbers for your headcount. No commitment required.
No setup fee · Live in under a week · Cancel anytime