Vlada
The Employer Agent

Find where your plan overpays — and prove it.

A benefits lead, CFO, or advisor brings a de-identified claims slice. The agent prices every line against payer, hospital, and Medicare data — and hands back a source-traced answer you can defend at renewal.

no credit card needed
what should this have cost?
Illustrative
MRI lumbar spine · Bridgeport Hospital, CT
This plan (Cigna PPO)$2,410
Medicare$612
Fair range$700–1,050
3.9× Medicare — likely overpay
traced to source · Cigna MRF 2026-06 · replayable
5,213hospitals with published prices
42payers, source-traced
every linetraced to its origin file
SOC 2 · HIPAA
How it works

Bring a claims slice. Get an argument, not a guess.

De-identified claims go in. Every line is priced against the files that set the rate, overpayment is flagged with its source, and the moves to capture it come out the other side.

01Bringa de-identified claims slice — no PHI, upload or connect your feed
02Priceevery line against payer, hospital & Medicare rates, ghost rates filtered
03Flagoverpayment against a fair range — with the source file behind each number
04Actan evidence packet: renegotiate, steer to a cheaper site, or move to RBP

The hard part is underneath. A plain-English question becomes a sourced answer the agent can defend — line by line, back to the file the rate came from. Priced continuously; an agent turn costs about $0.06 to run.

The Action Room

A persistent workspace where the evidence adds up.

Every question, benchmark, and flag lands in one room and stays there. Findings compound into an evidence packet — named facilities, dollar spreads, and the source trace behind each line.

Evidence packetIllustrative
$1.8M in avoidable spread

Across one self-funded plan year — concentrated in imaging and outpatient surgery, with the higher-priced facility named against a cheaper in-network alternative.

MRI & CT imaging$740K
Outpatient surgery$610K
Lab & pathology$290K
Infusion$160K
avoidable spread, named to the facility
every line traced to its source MRF · replayable
where is this plan overpaying?
Illustrative
Outpatient MRI · Facility A vs Facility B, same metro
Facility A (billed)$2,410
Facility B (in-network)$780
Fair range$700–1,050
steer-eligible — $1,630 avoidable per case
traced to source · payer MRF 2026-06 · replayable

The packet is the deliverable a benefits committee can act on: which facilities drive the spread, what the fair price is, and the specific move — renegotiate, steer, or reference-based pricing — to capture it at renewal.

Not a black box

Every number links to its source.

Fiduciaries and finance leaders can't cite a model they can't inspect. So every price the agent returns can be traced to its origin file and replayed — same inputs, same answer, on demand. Competitors vouch for a number with an actuary's name. We trace it.

provenance
Illustrative
$2,410 · MRI lumbar spine
Source filecigna_ct.json
MRF version2026-06
Content hashfcb35f90…
verified · certified tier
replay this price
Who it's for

Built for the people accountable for the spend.

Employers & CFOs

Find and prove where your plan overpays, and take the specific move to fix it at renewal.

For employers →

Advisors & consultants

Run the agent across your whole book — a repeatable, source-traced evidence engine for every client.

For advisors →

TPAs

Price incoming claims against public rates and hand plan sponsors an audit trail, not a black box.

For TPAs →
Get started

See what your plan should have paid.

no credit card needed