Navigation Gets Members to the Door. Incentives Get Them Through It.

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. 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. When a member chooses the steered provider, the reward is confirmed. When savings aren't real, neither is the cost.

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%.

Upstream Prevention. Downstream Steerage. One Platform.

HealthJoy's Incentives & Wellness Hub address different moments in the care journey. Wellness is about upstream prevention: rewarding the behaviors today that reduce the likelihood of a high-cost claimant tomorrow. Incentives are about downstream steerage: changing behavior at the moment a high-dollar decision is in motion.

Together, they form a complete incentive strategy: one platform, one report, one member experience.

The Layer That Turns Recommendations Into Decisions

We've spent years refining the intelligence behind care navigation. 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.