AI finds the best cash-pay prices nearby — often 60–80% less than insurance. Works with coverage they already have. Independent insurance partners available when they need more.
Without the cost, complexity, or broker dependency of traditional group plans.
Most healthcare options leave employees on their own. SovraCare gives your team the funding, AI-guided cash-pay navigation, and access to independent insurance partners — so every dollar you spend actually does something.
Personalized guidance based on your employee's health context. Knows their focus areas, recent labs, and budget — and guides every decision.
Search doctors, clinics, labs, and pharmacies nationwide. Real providers, real availability — not a generic directory.
Compare actual cash-pay costs before booking. An MRI that costs $800 through insurance? Often $160 cash. Employees see this before they go.
SovraCare shows which option is actually better for each situation. Employees make confident decisions — not expensive guesses.
Everyday cash-pay care funded by SovraCare. Major medical protected through fully independent licensed insurance partners. Employees have flexibility. You maintain control.
$150, $200, $300 per employee per month. Upload your team via CSV. No complicated setup. No broker required. Done in minutes.
The SovraCare AI finds care nearby, shows real cash-pay prices, and helps employees choose between paying direct or using coverage. Cash-pay is often 60–80% less — they never have to guess.
Employees submit a receipt photo. You approve or set auto-approve rules. Reimbursement runs through your normal payroll. Sovra never touches the money.
Through fully independent licensed insurance partners, employees can explore catastrophic plans, PPO options, and family coverage. SovraCare is not the insurer — we just make sure your team can find what they need.
We designed SovraCare to feel simple — because small businesses already have enough complexity.
Your employees get AI-guided cash-pay care navigation and a funded healthcare wallet — on their phone. You get real-time visibility into how every dollar is spent, anonymously.
Employees find cash-pay providers, submit receipts with a photo, track every reimbursement. AI guides them to care they can actually afford.
Approve reimbursements, track spend by category, get AI insights. All data is anonymous — individual health info belongs to the employee, always.
Traditional PPO for a 20-person company runs $14,400/year per employee — rising 6% yearly. Most small business owners get the quote and give up. There's a better way.
$200/month per employee. Predictable budget. You control how much you fund, and you can adjust anytime. Your team finally has something real.
A cash-pay MRI runs $160. Through insurance: $800. SovraCare's AI finds the best cash-pay option nearby before your employee ever calls a provider. Every dollar in their healthcare wallet goes further.
Sovra handles everyday cash-pay care — primary visits, prescriptions, dental, mental health, labs. For major medical coverage, employees can connect with fully independent licensed insurance partners — individual PPO options, catastrophic plans, and family coverage. Sovra is not the insurer and does not arrange the coverage. You can start with cash-pay care only, add independent insurance connections, or offer both together. Either way your team has something real.
Sovra is a healthcare platform — not an insurance carrier. It funds cash-pay care, guides employees to smarter decisions, and connects them to fully independent licensed insurance partners when they need coverage. Together, that's a complete approach to employee healthcare — everyday care covered, major medical protected through independent partners, all through one platform your team actually uses.
Contributions run through payroll as taxable income — the same treatment as a phone or remote work stipend. A $200 contribution is worth ~$140 after tax. That beats $0 every time. Interested in making contributions tax-free for your team and deductible for you? We support options that get you there — talk to us about what fits your situation.
Primary care, urgent care, prescriptions, labs, imaging, dental, mental health, telehealth — anything with a receipt. Sovra's AI finds cash-pay providers nearby with real prices. An MRI that costs $800 through insurance? Often $160 cash. Primary care at a DPC clinic? $99/month unlimited visits.
No. SovraCare runs as a taxable payroll contribution — the same legal structure employers use every day for phone, internet, and wellness stipends. There's no plan document, no carrier relationship, and no ERISA benefit plan obligation. SovraCare is a payroll workflow and reimbursement platform. You set the amount, we handle the rest. Employers who want to move to tax-advantaged contributions — deductible for you, tax-free for employees — can do that too. Talk to us about that path.
Most employers are live in under a week. Upload your team via CSV, set a monthly amount, and we handle invites and onboarding. No IT integration, no open enrollment window, no carrier paperwork. Your team gets the app the same day.
We built SovraCare because we couldn't afford the alternative and we refused to offer nothing. If you've been telling yourself "we'll deal with healthcare later" — this is what later looks like.
One platform fee. You control how much you fund. No setup fees, no per-claim fees, no broker commissions.
A real number on the first call. No month-long discovery process. We'll show you exactly what it costs for your headcount.
Get your number →30-minute demo. Real numbers for your headcount. No commitment required.
No setup fee · Live in under a week · Cancel anytime