Healthcare costs aren’t rising.They’re being misrouted.

Risk takers of U.S. healthcare claims don’t overspend on healthcare because care is inherently expensive. They overspend because members are guided, often unknowingly, into the most expensive care paths. Fairfare is the AI steerage layer that intervenes before cost happens. We redirect members in real time to clinically appropriate, cost-effective care, and turn utilization control from theory into execution.

Healthcare costs aren’t rising. They’re being misrouted.

Risk takers of U.S. healthcare claims don’t overspend on healthcare because care is inherently expensive. They overspend because members are guided, often unknowingly, into the most expensive care paths.Fairfare is the AI steerage layer that intervenes before cost happens.We redirect members in real time to clinically appropriate, cost-effective care, and turn utilization control from theory into execution.

The Problem

Cost is decided before the claim exists

By the time a healthcare claim is reviewed, priced, or discounted, the most important decision has already been made:
Where the member went.

As a result:

  • Emergency rooms absorb non-emergent cases
  • High-cost providers become the default
  • Employers pay for care that never needed to happen

This is not a pricing problem. It is a navigation failure.

Today’s healthcare ecosystem is optimized for:

  • Post-claim analytics
  • Retrospective cost containment
  • Network discounts after utilization occurs
    What’s missing is real-time intervention at the moment of intent.

The Problem

Cost is decided before the claim exists

By the time a healthcare claim is reviewed, priced, or discounted, the most important decision has already been made:
Where the member went.

As a result:

  • Emergency rooms absorb non-emergent cases
  • High-cost providers become the default
  • Employers pay for care that never needed to happen

This is not a pricing problem. It is a navigation failure.

Today’s healthcare ecosystem is optimized for:

  • Post-claim analytics
  • Retrospective cost containment
  • Network discounts after utilization occurs
    What’s missing is real-time intervention at the moment of intent.
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The Fairfare Approach

Intervene earlier. Steer smarter. Avoid cost entirely.

Intervene earlier. Steer smarter. Avoid cost entirely.

Intervene earlier. Steer smarter. Avoid cost entirely.
Fairfare operates upstream of claims, at the moment members decide where to seek care.
Our AI-based steerage:

  • Engages members in real time
  • Understands symptoms and intent
  • Routes members to the right level of care
  • Prevents unnecessary high-cost utilization

Cost avoidance is not a report. It is an operational capability.

The Fairfare Approach

Intervene earlier. Steer smarter. Avoid cost entirely.

Intervene earlier. Steer smarter. Avoid cost entirely.
Fairfare operates upstream of claims, at the moment members decide where to seek care.
Our AI-based steerage:

  • Engages members in real time
  • Understands symptoms and intent
  • Routes members to the right level of care
  • Prevents unnecessary high-cost utilization

Cost avoidance is not a report. It is an operational capability.

Intervene earlier. Steer smarter. Avoid cost entirely.
Fairfare operates upstream of claims, at the moment members decide where to seek care.
Our AI-based steerage:

  • Engages members in real time
  • Understands symptoms and intent
  • Routes members to the right level of care
  • Prevents unnecessary high-cost utilization

Cost avoidance is not a report. It is an operational capability.

How It Works

1. Real-time member engagement

Fairfare engages members instantly through the channels they already use:

  • SMS
  • WhatsApp
  • iMessage
  • Web experience
  • Embedded SDK within existing platforms

No behavior change required.

2. AI-driven care routing

Our AI triages the situation and recommends:

  • Virtual care
  • Urgent care
  • In-person primary care
  • In-network, cost-efficient providers
  • Emergency care only when clinically justified

Every steerage decision is designed to balance clinical safety and cost efficiency.

3. Measurable cost avoidance

Every interaction is tracked.
We provide analytics on:

  • Steerage volume
  • Care paths avoided
  • Emergency room deflection
  • Estimated cost avoided—not just discounted

This is how avoidance becomes provable, auditable, and scalable.

How It Works

1. Real-time member engagement

Fairfare engages members instantly through the channels they already use:

  • SMS
  • WhatsApp
  • iMessage
  • Web experience
  • Embedded SDK within existing platforms

No behavior change required.

2. AI-driven care routing

Our AI triages the situation and recommends:

  • Virtual care
  • Urgent care
  • In-person primary care
  • In-network, cost-efficient providers
  • Emergency care only when clinically justified

Every steerage decision is designed to balance clinical safety and cost efficiency.

3. Measurable cost avoidance

Every interaction is tracked.

We provide analytics on:

  • Steerage volume
  • Care paths avoided
  • Emergency room deflection
  • Estimated cost avoided—not just discounted

This is how avoidance becomes provable, auditable, and scalable.

Why This Matters

Why This Matters

Healthcare cost management has spent decades optimizing after utilization.
Fairfare operates before utilization.
That shift changes everything:

  • Fewer unnecessary ER visits
  • Lower downstream claims severity
  • Better member experience
  • Real savings, not accounting artifacts

Avoidance beats containment. Every time.

Healthcare cost management has spent decades optimizing after utilization.
Fairfare operates before utilization.
That shift changes everything:

  • Fewer unnecessary ER visits
  • Lower downstream claims severity
  • Better member experience
  • Real savings, not accounting artifacts

Avoidance beats containment. Every time.

Built for Flexibility

Built for Flexibility

Fairfare is not a rigid workflow.
We integrate how you need:

  • Standalone member experience
  • Embedded inside existing platforms
  • White-labeled or co-branded
  • API and SDK support
    We adapt to your ecosystem—not the other way around.

Fairfare is not a rigid workflow.
We integrate how you need:

  • Standalone member experience
  • Embedded inside existing platforms
  • White-labeled or co-branded
  • API and SDK support
    We adapt to your ecosystem—not the other way around.

Healthcare doesn’t need another report. It needs fewer bad decisions.

Fairfare is the missing execution layer between intent and utilization.

Healthcare doesn’t need another report. It needs fewer bad decisions.

Fairfare is the missing execution layer between intent and utilization.

Partner with Fairfare Today

Join us in transforming travel insurance for a fairer, more efficient healthcare experience.
 

Partner with Fairfare Today

Join us in transforming travel insurance for a fairer, more efficient healthcare experience.