Blog Post
Navigation Gets Members to the Door. Incentives Get Them Through It.
The Benefits OS finds the right provider. HealthJoy Incentives makes sure members choose it. And you only pay when savings are real.
Brian Astrachan
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8 min read
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.
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