The gap your TPA isn't closing

Research proved the savings are real. The problem is getting employees to act before they schedule.

Harvard and RAND researchers studied what happens when employers offer cash rewards for choosing lower-cost imaging. For MRI — the highest-volume steerable scan — employees who switched saved 25% per scan. Across the whole enrolled population, the program delivered only $8 per person per year.

The savings were real. The engagement wasn't — only 8% of employees ever initiated the program. The other 92% called the number their doctor's office gave them. Pario removes the initiation requirement entirely: we intercept the order before your employee has called anyone.

See the research → The full mechanism

Whaley et al., Health Affairs 2019; Whaley et al., Health Services Research 2022. RAND Corporation / Harvard Medical School.

Hospital MRI — default $2,400
SAME SCAN · SAME RADIOLOGIST · SAME ACCREDITATION
Outpatient center — what Pario finds $420
Plan savings per case $1,980
Where this goes

Imaging is where we start — not where we stop.

The same detection engine that catches the MRI order catches biologic infusions, sleep studies, PET scans, and recurring prescriptions. As you switch on each category, the addressable savings climb.

Imaging steers today; the rest are detecting now, activated when you're ready — same contract, no re-papering.

Imaging
● Live — steering today
~$85K
+ Infusion
○ Detecting now — activate when ready
~$280K
+ Pharmacy
○ Detecting now — activate when ready
~$580K

Modeled cumulative addressable savings per 1,000 employees per year. Non-imaging categories are in detection only — steerage activates per category at your direction, under the same contract.

How it works

One 45-minute call.
Then it runs itself.

No IT. No plan changes. No health system negotiations.

01

You onboard in 45 minutes.

Roster, HSA credentials, BAA. We design your enrollment campaign. Most employers go live in three weeks.

02

Pario monitors automatically.

When an imaging order enters your plan — via prior authorization, connected records, or the member's own text — we identify the savings opportunity and reach the employee before the scan is scheduled.

03

Savings flow. Rewards post.

Employee books a lower-cost accredited facility. Plan captures the price gap. HSA reward posts automatically. You get a daily digest.

See every step in detail →
How we know

We don't rely on one signal. We listen to all of them.

Most tools wait for your employee to go shopping. Pario detects the imaging event itself — through multiple independent channels — so we know about the scan while there's still time to choose a better option.

Signal 01 · The spine
Prior-authorization feed

Your plan already receives a prior-auth request for nearly every advanced imaging order. One signature directs your TPA to share that stream with Pario — covering your entire population from day one.

Signal 02 · Real-time
Connected records

Members connect their health records once — the same authorization standard used by Apple Health — adding a real-time signal on top of the plan-level coverage.

Signal 03 · Member-direct
Text us the referral

Members earn a reward just for texting us a photo of their imaging referral. The simplest signal of all — and it pays the member to send it.

650%
Price variation for identical imaging · RAND 2023
9%
Employees who use transparency tools · KFF 2024
$3.1B
Employer outpatient imaging spend annually · HCCI
$0
What employees earn today for making the right choice

Full data and sources → Results page

The cost of waiting

Every month without Pario
is a month of recoverable
savings that don't come back.

A 500-person employer generates roughly 7 steerable imaging cases per month. At $1,600 net savings per case, that's $11,200 leaving your plan every month while you're deciding. The opportunity doesn't accumulate — each case that goes to the hospital at full price is permanent.

$11K
Lost per month · 500-person employer
$58K
Net savings · Year one · Same employer
3 wk
From signing to first case identified
$0
Cost if we don't deliver savings
The math

The only benefit that pays for itself on the first case.

You pay nothing unless we save you money. Our performance-only pricing takes 20% of net savings generated — you keep 80%. There is no scenario where Pario costs you more than it saves.

See pricing Calculate my ROI
$0
Net savings per steered case
Before
the scan
Offer arrives while switching is still easy
0%
Projected employee conversion
4.8×
Modeled program ROI
Why we built this

"While navigating the healthcare system for my family, I ran into the same wall millions of employees hit every year — a doctor's order for imaging, a phone number to call, and no indication that a better option existed two miles away."

— Founder, Pario · Previously built digital health in the MSK space for self-insured employers

Our story →
⚡
No IT involvement

No software to install, no system access on your side, no security reviews beyond our standard BAA. Your TPA sends us data they already produce — we handle the rest.

📋
No plan redesign

Works with your existing plan. No changes to deductibles, networks, or employee cost-sharing.

🤝
No health system negotiations

We work with existing facility pricing — no contracting, no provider relationships to manage.

📄
Pario Overview — 2-page PDF
The problem, the mechanism, and two modeled employer scenarios. Forward it to your CFO.
Download the overview →

The savings running through your plan right now won't stop until we intercept them.

15 minutes. Your industry, your region, your employee count. You leave with a number you can take to your CFO.

Book a 15-minute data review Try the ROI calculator