Savvos Health

Savvos Health is a healthcare payment technology company based in American Fork, Utah, that has built what it describes as the first direct payment infrastructure for healthcare. The platform connects employers, employees, and providers in a single digital system where care is scheduled with upfront pricing and providers are paid immediately at the point of service, without claims, without networks, and without the administrative delays that have defined traditional health plans for decades. The company offers two core products. SmartPay is a full health plan replacement built entirely on direct pay principles. There are no claims to file, no provider network restrictions, and no hidden costs. Employees see prices before receiving care, and providers receive payment the same day. TierOne is designed for employers who are not ready to replace their existing plan. It layers direct pay technology on top of current coverage to eliminate high deductibles for tier one care, with minimal setup and no disruption to existing plan structures. Both products are managed through a central platform that gives employers real-time visibility into healthcare spending, something that traditional claims-based models cannot offer. Savvos primarily serves self-insured employers and the brokers and benefits consultants who support them. The platform addresses a well-documented problem in employer-sponsored healthcare: only $0.23 of every healthcare dollar currently reaches the providers who deliver care, while the rest is absorbed by administrative overhead, claims processing, and intermediary costs. By removing the claims layer, Savvos aims to redirect that spending toward actual care and reduce or eliminate employee deductibles for eligible services. From an operational standpoint, the back office healthcare administration work that typically flows through clearinghouses and payers is replaced by a direct digital connection. Employers gain a tool that functions more like a modern payment platform than a traditional insurance product, with live spend data and no waiting on explanations of benefits to understand what was spent or why. This approach to outsourcing administrative complexity away from employers while keeping costs transparent is what distinguishes the platform from legacy managed care models. Companies looking to modernize their healthcare benefits program can request a demo through the Savvos website. An online savings calculator is available to estimate annual savings based on employee headcount.