HealthJoy has always been built around a simple idea: if you can get a member to the right care at the right moment, you can meaningfully change what their care costs. We've proven that navigation works. High-quality, lower-cost providers exist in nearly every market.
The gap isn't information. It's activation. When a member’s facing a high-dollar procedure like an MRI, a surgery, or a specialist referral, the path of least resistance is usually defaulting to whoever their doctor mentioned or whoever came up first in a search. When healthcare feels stressful or overwhelming, people revert to what’s familiar, even when it’s the wrong choice. A recommendation gets members to the right door, but sometimes it takes more to get them through it.
That's what HealthJoy Incentives is built to provide.
A Financial Reward That Changes Behavior When It Matters Most
HealthJoy Incentives puts a financial reward directly in the path of the highest-stakes care decisions. The moments when a member is about to default to a high-cost provider and a better option exists. When a member chooses the steered provider, the reward is confirmed. When savings aren't real, neither is the cost.
That last point matters. HealthJoy Incentives is a pay-for-performance model: employers only pay when savings are confirmed. The average savings on steered care is 18%. When paired with a direct-contracted partner network, that number reaches 50%. They're the outcome of a system that identifies the right provider, delivers the recommendation at the right moment, and gives the member a compelling reason to act. You're not paying a reward for choosing a provider you hope will lead to lower costs. The incentive is paid after the savings are proven.
Upstream Prevention. Downstream Steerage. One Platform.
HealthJoy’s Incentives & Wellness Hub address different moments in the care journey, and that distinction matters.
Wellness is about upstream prevention: rewarding the behaviors today that reduce the likelihood of a high-cost claimant tomorrow. Preventive screenings, physicals, healthy habits. Long-term cost containment built into the daily benefits experience.
Incentives are about downstream steerage: changing behavior at the moment a high-dollar decision is in motion. The member who needs an MRI and is about to schedule it at the hospital outpatient center, that's the moment HealthJoy intervenes with a better recommendation and a financial reason to follow it.
Together, they form a complete incentive strategy: one platform, one report, one member experience. Whether the goal is preventing costs before they occur or redirecting them when they do, HealthJoy’s Benefits OS is the only platform delivering both.
The Layer That Turns Recommendations Into Decisions
We've spent years refining the intelligence behind care navigation, understanding which providers deliver the best outcomes at the lowest cost, and surfacing those options at the right moment. That navigation works. Incentives build on that foundation, adding a financial reason to act in the moments the stakes are the highest.
There's no upfront cost and no projected savings. Employers only pay on realized savings, and for clients connected to direct-contracted partner networks, incentives amplify what those partnerships are already delivering. The system works. Incentives make sure it keeps working, even when decisions are hard and the default is tempting.
The Wellness & Incentives Hub is coming soon. Join our product roadmap webinar on June 17th at 1pm CST to find out more!