For Members

Coverage that works for you, not against you.

No guessing what's covered. Just a plan that's there when you need it.

Member Resources
For Employers

A plan worth offering
your team.

Predictable costs, transparent reporting, and coverage your employees will actually use.

Employer Resources

Everything you need,
nothing you don't.

Your Solvo Health plan brings every part of your healthcare together — so you're never stuck piecing together coverage from different places.

Medical care
Doctors, specialists, and hospitals
Access to a national and regional network of providers — primary care, specialists, urgent care, and hospital coverage.
Pharmacy
Prescriptions, covered
Generic, brand, and specialty medication coverage built into your plan — one card covers medical and pharmacy.
Virtual care
See a doctor from home
Telehealth and virtual primary care options for non-emergency visits, follow-ups, and mental health support.
Mental health
Therapy and psychiatry
Mental health coverage is built in, not bolted on — individual therapy, group therapy, and medication management.
Musculoskeletal
MSK care and recovery
Specialized support for back, joint, and muscle pain — from physical therapy to surgical coordination.
Cancer care
Cancer care navigation
Specialized navigation and support for members and families managing a cancer diagnosis or treatment.
Family planning
Maternity and family planning
Coverage and guided support through pregnancy, postpartum care, and family planning decisions.
Care navigation
Help finding the right care
A care navigator can help you find a provider, understand a bill, or figure out where to go — at no extra cost.
Transparency
Clear costs, no surprises
Know what you owe before you go. No confusing bills, no surprise charges after a visit.
Care support
More ancillary programs coming soon
Additional support for chronic condition management and more specialty programs are on the way.

Built for the people
who use it every day.

Whether you're an employee using your benefits or a company offering them — Solvo Health is designed around you.

Members
A plan worth actually using.
  • +Medical, pharmacy, mental health, and more
  • +Care navigator at no extra cost
  • +Find a doctor or fill a prescription easily
  • +Clear costs — no surprise bills
Member Resources
Employers
A plan worth offering your team.
  • +Predictable monthly costs, no year-end surprises
  • +National and regional network access
  • +Monthly reporting on utilization and spend
  • +CAA compliance support built in
Employer Resources

A plan product
your team can
actually sell.

Request a partner call
Pre-built and repeatable
One plan design, deployable across every employer group in your book. No reinventing the wheel for each client.
Level-funded with stop-loss
Your clients get the upside of self-funding with fixed monthly costs and stop-loss coverage built in.
Every layer handled
TPA, PBM, network, stop-loss, analytics, and compliance — all pre-integrated. You bring the relationships; we bring the plan.
Data your clients will use
Monthly reporting surfaces claims trends and savings in a format built for employer conversations.

The economics are
easy to explain.

solvohealh is a level-funded health plan — which means fixed monthly costs for employers, full transparency on where the money goes, and real upside potential if the group has a good claims year.

Fixed
Monthly contribution

Employers pay a fixed monthly amount — predictable like fully-insured, but with the transparency and potential upside of self-funding. No surprise bills at year-end.

Protected
Stop-loss included

Specific and aggregate stop-loss is built into every plan. If a single member has a catastrophic claim or total group claims spike, the stop-loss carrier absorbs the excess.

100%
Surplus return potential

When claims come in under projection, unused premium dollars are returned to the employer. With a traditional fully-insured plan, the carrier keeps that money.

What the monthly contribution covers
Claims funding accountMonthly fixed
Stop-loss premiumIncluded
TPA administration feePEPM — Included
Pharmacy benefit managementIncluded
Analytics & monthly reportingIncluded
Compliance supportIncluded
Surplus return (if claims < projection)Up to 100%
Level-funded vs. fully-insured
solvohealh
Fully-insured
Monthly costFixedFixed
Claims visibilityFull monthlyNone
Surplus returnYes — 100%No
Stop-lossIncludedN/A
Vendor assemblyNone — pre-builtN/A
Savings estimator

Estimate your client's savings.

Enter a group's basic details to see a rough estimate of what switching to solvohealh could mean for their annual spend.

Everything you need
to go to market.

We give you the materials to sell solvohealh confidently — from first conversation to signed enrollment.

Employer pitch deck
A ready-to-customize slide deck explaining solvohealh, the level-funded model, and the savings opportunity.
Request download
One-page overview
A single-page summary of the solvohealh plan — components, how it works, and who it's for. Leave-behind ready.
Request download
Employer email templates
Pre-written outreach and follow-up emails for introducing solvohealh to employer prospects in your PEO.
Request download
Comparison sheet
solvohealh vs. fully-insured vs. custom self-funded — a side-by-side designed to support the sales conversation.
Request download
Savings estimator
Build a custom savings illustration for any employer group based on their census and current spend.
Open estimator

What PEOs
ask us most.

Solvo Health is optimized for employer groups with 10–100 employees. Groups outside this range can be evaluated on a case-by-case basis during the partner inquiry process.
No minimum group requirement to start — but we work best with PEOs that have a consistent pipeline of employer prospects and a genuine interest in building a repeatable health plan offering.
solvohealh includes both specific stop-loss (per-member catastrophic claims protection) and aggregate stop-loss (protection against total group claims exceeding a threshold) in every plan. Carriers and attachment points are set during enrollment based on census and risk profile.
Yes. Network selection happens during the employer enrollment process. We present options from our national and regional carrier relationships based on the geography and composition of each employer group's workforce.
Every employer group receives a monthly analytics report covering claims utilization by category, spend vs. projection, pharmacy trends, and population health signals. Reports are designed to be readable by HR teams — not just actuaries.
solvohealh is pre-integrated — TPA, PBM, stop-loss, network, analytics, and compliance are already assembled into a single product. There is no vendor assembly process. Once a partner agreement is in place, employer groups can be enrolled and active in weeks.
Yes. Our team can join employer conversations with your sales reps to help explain plan mechanics, answer technical questions about level-funding, and support the close. Contact your account manager to schedule co-selling support.
Renewal is based on the group's actual claims experience over the plan year. Monthly reporting throughout the year means there are no surprises at renewal — both you and the employer go in with full visibility into what the data shows.

Let's talk about
your book.

Tell us about your PEO and we'll schedule a conversation about what a solvohealh partnership could look like.

30-minute intro call
No obligation — walk through the plan and ask your questions.
Custom proposal available
Tailored overview based on your book size and geography.
Co-selling support
Our team can join employer conversations to help close.
Request a partner call
For Employers
Healthcare, Solved.

Real coverage.
Predictable costs.
Zero complexity.

solvohealh gives your employees access to a fully built health plan — medical, pharmacy, care navigation, and more — all in one place, ready from day one.

What's covered
Predictable monthly cost
Level-funded structure means fixed monthly contributions — no surprise claims bills at year-end.
National network access
Your employees access major national and regional networks including primary care, specialists, and urgent care.
Integrated cost management solutions
Pharmacy, care navigation, and utilization management work together to reduce unnecessary spend — without reducing access to care.
Monthly plan performance data
See how your group is utilizing the plan each month — manage costs proactively, not reactively.
100% surplus return
When claims run under projection, the unused portion of your funding is returned to you — not kept by the carrier.

One agreement.
Everything assembled.

Solvo Health is a pre-integrated level-funded plan — every vendor, protection, and coverage layer is already in place. You offer the plan. We handle the rest.

Medical network
Access to national and regional provider networks — primary care, specialists, urgent care, and hospital coverage across the country.
Pharmacy benefit
Integrated pharmacy coverage on a single ID card — no separate deductible. Generic, brand, and specialty tiers included.
Claims administration
A third-party administrator handles all claims processing, member services, and eligibility — fully integrated into the plan.
Stop-loss protection
Both specific and aggregate stop-loss are built into every plan. You are protected from high-cost individual claims and catastrophic claims years.
Care navigation
A dedicated care navigation service helps employees find the right care at the right cost — available to every member at no extra charge.
Mental health
Mental health coverage built in at parity with medical — therapy, psychiatry, and virtual behavioral health visits.
Specialty programs
Musculoskeletal care, cancer care navigation, maternity support, and virtual primary care — included in the plan, not sold separately.
Analytics & reporting
Monthly claims and utilization reports give you a real-time view of how your group is using the plan — so you can manage proactively.
CAA compliance
Consolidated Appropriations Act compliance support is built into the plan structure — no separate engagement or additional cost.
Surplus return
When claims run under projection, the unused portion of your monthly funding is returned to you — not kept by the carrier.

Know how your
plan is performing.

Monthly analytics give you a real-time picture of how your group is using the plan — so you can act on the data, not just file it away.

Claims utilization
Monthly breakdown of medical and pharmacy spend by category — see exactly where dollars are going.
Population health trends
Aggregate view of your group's health patterns over time — identify risks before they become high-cost claims.
Cost vs. projection
Track actual claims against your monthly funding target — no surprises come renewal time.
High-cost claimant alerts
Stop-loss threshold monitoring with proactive notifications — coordinate care and manage exposure early.
Talk to us about reporting

Your responsibilities
as a plan sponsor.

Offering a self-funded or level-funded health plan comes with specific legal obligations. solvohealh is built to help you meet them — but understanding your role as a plan sponsor matters.

Consolidated Appropriations Act (CAA)
What the CAA requires of you
The Consolidated Appropriations Act of 2021 introduced significant new transparency and access requirements for employer-sponsored health plans. Here's what you need to know.
Gag clause prohibition attestation
Employers must annually attest to the Department of Labor that their plan does not include any gag clauses restricting access to cost and quality information.
Prescription drug and health care spending reporting
Plans must annually report prescription drug and health care spending data (RxDC) to CMS. This applies to all employer-sponsored health plans, including level-funded arrangements.
Mental health parity compliance
The CAA requires plans to conduct and document comparative analyses of non-quantitative treatment limitations for mental health and substance use disorder benefits vs. medical and surgical benefits.
Transparency in coverage
Plans must provide machine-readable files of in-network rates and out-of-network allowed amounts, and an online price comparison tool for members to estimate costs before care.
ERISA Fiduciary Responsibility
You have a duty to act in your employees' best interest
When you offer an employer-sponsored health plan, ERISA treats you as a plan fiduciary. That means you have legally enforceable obligations — not just best practices.
Duty of loyalty
You must act solely in the interest of plan participants and their beneficiaries — not in your own interest or the interest of the plan's vendors.
Duty of prudence
You must act with the care, skill, and diligence of a prudent person familiar with health plan management — which includes periodically evaluating your plan's cost, quality, and vendor arrangements.
Monitoring plan vendors
ERISA requires that you monitor your TPA, PBM, and other plan service providers — ensuring they are performing their duties and that their compensation is reasonable.
Plan documentation
You must maintain a current Summary Plan Description (SPD), provide required notices to participants, and keep records that support your plan's compliance posture.
How solvohealh supports your compliance obligations
solvohealh is structured with compliance embedded at the plan level — including CAA gag clause attestation support, RxDC reporting coordination, mental health parity documentation, and transparent machine-readable files. Our compliance infrastructure is built in, not bolted on. That said, you remain the plan sponsor and retain ultimate fiduciary responsibility. We strongly recommend working with a qualified ERISA attorney or benefits advisor to ensure your plan meets all applicable obligations.

Employer questions,
answered.

A level-funded plan has a fixed monthly contribution — like fully-insured — but is structured as a self-funded plan. If claims come in under projection, you may receive a surplus return. Monthly reporting gives you full visibility all year.
Stop-loss protects against two risks: a single employee with catastrophically high claims (specific stop-loss), and the total group's claims exceeding a set threshold (aggregate stop-loss). Both are included in the solvohealh plan.
Network options are presented during enrollment based on your employees' locations. We work with national carriers and regional networks to ensure your team has access to quality in-network care wherever they live and work.
With a fully-insured plan, you pay a set premium and the carrier keeps any unused funds. With solvohealh, your monthly contributions go into a funding account — and if claims are lower than projected, you may see a return. You also get full monthly visibility.
Enrollment is handled on your behalf. Employees receive a welcome kit, their ID card, and access to member resources. Most employees can find their doctor and fill a prescription on day one.
That's exactly what stop-loss is for. Both specific and aggregate stop-loss is built into every solvohealh plan. Your exposure is capped — the stop-loss carrier covers claims above the attachment point.

Ready to bring Solvo
to your team?

Getting started with solvohealh is simple — reach out to us directly and we'll guide you through the process.

Call us
Available Monday–Friday, 8am–6pm CT
Email us
sales@solvohealth.com
Ready to enroll?
Contact us directly and we'll walk you through setup — typically from first conversation to active coverage in a matter of weeks.
Send us a message
Your Health Plan
Healthcare, Solved.

Your benefits,
clearly explained.

You're covered through solvohealh — a fully integrated health plan with medical, pharmacy, and care support built in. Here's everything you need to use it.

Get Support
View your ID card
Find your member ID, group number, and plan info
Pharmacy & prescriptions
Find a pharmacy or check your drug coverage
Find a doctor
Search in-network providers near you
Mental health support
Therapy, psychiatry, and crisis resources
Talk to care navigation
Get help understanding your benefits or finding care

New to solvohealh?
Here's where to start.

Four things to do in your first week of coverage so you're ready when you need care.

01
Find your ID card
Your card was mailed to your home. It covers both medical visits and pharmacy — you'll need it from day one.
View ID card
02
Know your costs
See your deductible, copays, and out-of-pocket max before you need care — not after you get a bill.
See plan costs
03
Find a primary care doctor
Search the provider directory for an in-network doctor near you. Having one on file saves time when you need care.
Find a doctor
04
Save care navigation's number
Your care navigator helps with anything — finding a doctor, understanding a bill, or getting a prescription covered. Free for all members.
Get support

What does this plan
actually cost me?

Your specific costs depend on the plan tier your employer selected. Check your Summary of Benefits or ask your HR team which tier applies to you.

Not sure which plan you have? Check your enrollment confirmation email, ask your HR team, or contact care navigation — they can pull up your plan details immediately.

Where to go for care

Primary care Lowest cost
Routine checkups, sick visits, prescriptions, referrals. Always your first call for non-urgent issues.
Urgent care Less than ER
Minor injuries, infections, sprains. When you need same-day care but it's not life-threatening.
Emergency room Life-threatening only
Chest pain, difficulty breathing, severe injury, stroke symptoms, loss of consciousness. Call 911 first.
Not sure where to go? Call care navigation first — free for all members.

How your costs work

Deductible
You pay the full cost for services after your network discount is applied.
Example: $1,500 individual
Coinsurance
After your deductible, you and the plan share costs. You pay a percentage (e.g. 20%), the plan covers the rest.
Example: You pay 20%, plan pays 80%
Copays
Copays are set amounts you owe for specific recurring services covered under the plan.
Example: Primary care office visit, you pay $25
Out-of-Pocket Max
Once your total costs hit the OOP max, the plan covers 100% of eligible costs for the rest of the year. This is your safety net.
Example: $5,000 individual max

Find an in-network
provider near you.

Choose how you'd like to search. Members can log in to view their full in-network directory, or browse as a guest by selecting your employer's network.

Member Portal

Log in to view your complete in-network provider directory, check benefits, and manage your coverage.

Log in to member portal
First time? Contact your HR team for your member ID.
Guest or Just Browsing?

Select the network that matches your employer's health plan. Check your member ID card if you're not sure which network your employer uses.

Choose your network
Not sure which network or need help finding a provider?
Contact Care Navigation

One card.
Medical and pharmacy.

Your solvohealh ID card covers both medical visits and pharmacy — show it at any in-network provider or pharmacy counter.

1
Locate your ID card
Your card was mailed to your home. If you need a replacement, contact your HR team or care navigator.
2
Find an in-network pharmacy
Most major retail chains are in-network. Use the provider finder or call care navigation to confirm.
3
Present your card at the counter
Hand your solvohealh ID card to the pharmacist. Your copay or cost-share is applied automatically.
4
Need a lower-cost option?
Ask your care navigator about generic alternatives or mail-order pharmacy — both can significantly reduce your out-of-pocket cost.
Member ID
Member Name
PLAN MEMBER · SOLVO HEALTH PPO
Member ID
SH0000000
Group
GRP-00000
Effective
01/01/2026
Rx coverage includedGeneric, brand-name, and specialty medications are covered. Copays vary by drug tier — check your Summary of Benefits or contact care navigation for details.
Most major retail pharmacy chains are in-network. This includes national chains as well as many independent pharmacies. Use the provider finder or contact care navigation to confirm your specific pharmacy is covered.
Yes — mail-order pharmacy is available and often results in lower copays for maintenance medications. Contact care navigation to set up mail-order delivery.
If your medication isn't on the formulary, your doctor can submit a prior authorization request. Your care navigator can also help identify a covered alternative or initiate the process on your behalf.
Prior authorizations are initiated by your prescribing doctor. If you're having trouble, contact care navigation — our team can work with your doctor's office to move the process forward.

Understanding
your member ID card.

Your solvohealh member ID card is your key to accessing care. Here's what's on it and how to use it.

Member IDYour unique identifier — you'll need this when contacting member services or your TPA.
Group numberIdentifies your employer's plan. Providers and pharmacies use this to verify your coverage.
Effective dateThe date your coverage began. Present your card only after this date.
Need a replacement card?
Contact your HR team, your TPA, or reach out to care navigation. Replacements are typically issued within 3–5 business days.
Contact member services
Member ID
Member Name
PLAN MEMBER · SOLVO HEALTH PPO
Member ID
SH0000000
Group
GRP-00000
Effective
01/01/2026
Back of cardContains phone numbers for member services, your TPA claims address, and important plan information. Keep it handy when calling about a claim.

We're here
when you need us.

From finding a doctor to understanding a bill — multiple ways to get the support you need.

Find a provider
Search for in-network doctors, specialists, urgent care centers, and hospitals near you.
Search providers
Care navigation
Speak with a care navigator who can help you find care, estimate costs, or navigate a confusing bill.
Contact a navigator
Virtual care
See a provider from home. Telehealth visits are available for non-emergency medical issues, mental health, and follow-ups.
Start a virtual visit
Member services
Questions about a claim, bill, or your coverage? Member services can help you resolve issues quickly.
Contact member services
Pharmacy support
Help with prescription coverage, prior authorizations, or finding a lower-cost alternative for your medication.
Pharmacy help
Explanation of benefits
Understand what was covered after a visit — and what you may owe — with a plain-language breakdown of your EOB.
Understand your EOB
Use the Find Care tab, or contact care navigation — they can verify in-network status and help you find a covered provider. Always confirm with the provider's office before your visit.
Don't pay anything until you've received your Explanation of Benefits (EOB) from your TPA. Your EOB shows what was billed, what the plan paid, and what you owe. If anything looks wrong, contact care navigation or member services before paying.
Dependent changes are handled through your employer's HR or benefits team. Qualifying life events (marriage, birth, adoption) allow you to add dependents outside of open enrollment. Contact your HR team to initiate a change.
A care navigator is a trained benefits advocate who can help you find in-network providers, understand your costs before care, navigate a confusing bill, or get a prior authorization processed. There's no cost to use care navigation — it's available to all solvohealh members.
Your deductible is what you pay before the plan starts covering costs. A copay is a flat fee per visit. Coinsurance is a percentage of the cost you share with the plan after your deductible is met. Your Summary of Benefits outlines the specific amounts for your plan.

Health benefits,
done differently.

Get in touch
Our mission
To make high-quality, cost-transparent health coverage accessible to every employer through the PEO distribution model.
Our approach
solvohealh is a product, not a consulting engagement. We build once, deploy everywhere, and measure results continuously.
Our partners
We work with a curated set of TPAs, PBMs, stop-loss carriers, and analytics providers — selected for performance, not relationships.

Principles that
drive the product.

Transparency over opacity
Every employer should see exactly where their health spend is going. Monthly reporting isn't a feature — it's a baseline.
Repeatability over customization
The best plan is the one that gets deployed and measured — not the one that spends six months in committee. We build to scale.
Outcomes over activity
We care about claims trends, not meeting counts. solvohealh is designed around measurable results for every stakeholder.
Distribution as a feature
The PEO channel is underserved by existing plan products. We built solvohealh specifically for how PEOs sell and operate.
Healthcare, Solved.

Get in touch
with solvohealh.

Whether you're a PEO evaluating a partnership, an employer with questions, or a member who needs support — we're here to help.

PEO partnerships
sales@solvohealth.com
Employer inquiries
sales@solvohealth.com
Mon–Fri, 8am–6pm CT
Member support
See the back of your ID card for member services and care navigation contacts.
Quick links
PEO partner inquiry Employer contact form Member support resources
Send a message

Privacy Policy

Last updated: January 1, 2026

Information We Collect

Solvo Health collects information necessary to administer health plan benefits, including personal identification information, health plan enrollment data, and communications you initiate with us. We collect information directly from you, from your employer as plan sponsor, and from healthcare providers and pharmacies in connection with your coverage.

How We Use Your Information

We use collected information to administer your health plan benefits, process claims, coordinate care, communicate plan information, comply with legal obligations, and improve our services. We do not sell personal information to third parties for marketing purposes.

Information Sharing

We share information with third-party administrators, pharmacy benefit managers, stop-loss carriers, care navigation vendors, and other parties necessary to administer your health plan. All such parties are bound by confidentiality agreements and applicable law. We may also disclose information as required by law or legal process.

Protected Health Information

Health information is protected under the Health Insurance Portability and Accountability Act (HIPAA). Please refer to our HIPAA Notice of Privacy Practices for detailed information about how we handle protected health information.

Data Security

We implement administrative, technical, and physical safeguards to protect your information against unauthorized access, disclosure, alteration, or destruction. Despite these measures, no security system is impenetrable, and we cannot guarantee the absolute security of your information.

Your Rights

You have the right to access, correct, or request deletion of your personal information, subject to applicable law and our obligations to maintain records. To exercise these rights, contact us at sales@solvohealth.com.

Contact Us

For questions about this Privacy Policy, contact Solvo Health at sales@solvohealth.com.

Terms of Use

Last updated: January 1, 2026

Acceptance of Terms

By accessing or using the Solvo Health website and member portal, you agree to be bound by these Terms of Use. If you do not agree, please do not use our services.

Use of This Website

This website is provided for informational purposes related to Solvo Health benefits and plan administration. You agree to use this site only for lawful purposes and in a manner that does not infringe the rights of others. Unauthorized use of this site is prohibited.

Not Medical Advice

Content on this website is for informational purposes only and does not constitute medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider for medical questions. In an emergency, call 911 immediately.

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Solvo Health or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

Limitation of Liability

Solvo Health is not liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on its content. Your use of this site is at your own risk.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Continued use of the website after changes constitutes acceptance of the updated terms.

Contact

For questions about these Terms, contact us at sales@solvohealth.com.

HIPAA Notice of Privacy Practices

Effective Date: January 1, 2026 — This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.

Your Rights: You have the right to inspect and receive a copy of your protected health information (PHI), request corrections, receive an accounting of disclosures, and request restrictions on how we use or share your PHI.

How We May Use and Disclose Your Health Information

Solvo Health may use and disclose your protected health information (PHI) for the following purposes without requiring your authorization: Treatment — to facilitate healthcare services; Payment — to pay for healthcare services; and Health Care Operations — to administer the health plan, conduct quality improvement activities, and fulfill our obligations as a plan sponsor.

Uses and Disclosures Requiring Authorization

We will not use or disclose your PHI for purposes other than treatment, payment, or health care operations without your written authorization, except as required by law. This includes marketing communications and the sale of PHI.

Your Rights Regarding Your Health Information

  • Right to access: You may request a copy of your PHI maintained by the plan.
  • Right to amend: You may request corrections to your PHI if you believe it is inaccurate or incomplete.
  • Right to restrict: You may request restrictions on how we use or disclose your PHI.
  • Right to an accounting: You may request a list of disclosures we have made of your PHI.
  • Right to a paper copy: You may request a paper copy of this notice at any time.

Complaints

If you believe your privacy rights have been violated, you may file a complaint with Solvo Health or with the U.S. Department of Health and Human Services Office for Civil Rights. You will not be penalized for filing a complaint.

Contact Our Privacy Officer

For questions or to exercise your rights, contact: sales@solvohealth.com