Coverage for NewGen Testing
100 Health covers next-generation diagnostic testing that traditional plans ignore entirely, enabling detection of disease before a single symptom appears.
The New Generation of Health Insurance
Your Health InsuranceJust Got Healthier.
Traditional healthcare is sick care. It has been a reactive, break-and-fix model. But times have changed. More medical breakthroughs have occurred in the last three years than in the last 100 years combined. Traditional insurance was built for a world that no longer exists, one that focuses solely on coverage for sick care. 100 Health is built for the world we live in now, where disease can be detected and stopped before it ever becomes symptomatic.
100 Health provides coverage in sickness and in health.
A New Generation of Health Coverage
Built for the WorldWe Live in Now.
Traditional group health plans cover your employees when they get sick. 100 Health does that too, and goes much further.
Built for employers with 50 or more employees, 100 Health is a group health plan structured inside a captive insurance company. Your workforce keeps the same choice of doctors, hospitals, and coverage they already rely on. What changes is the layer of protection they gain on top of it.
We add next-generation diagnostic testing that can detect the early signs of serious disease two to five years before symptoms ever appear. When something is found, your plan doesn’t just flag it, it covers the early-stage lifestyle treatments designed to stop the disease from progressing, or reverse it entirely, before it ever becomes a chronic or catastrophic condition.
The best claim is the one that never happens.
NewGen Diagnostic Testing
Detects disease 2–5 years before symptoms appear
2–5
Years
Before symptoms appear, disease is detectable
$3.27
Saved
For every $1 invested in proactive health programs
63%
of Workers
Now covered by self-funded plans in the US
15%
Savings
Potential reduction vs. traditional fully-insured plans
What Makes 100 Health Different
Three Things No OtherHealth Plan Offers.
Proactive Treatment via Hrx
When pre-symptomatic disease is identified, doctors write a Health Prescription (Hrx) for interventions like nutrition, targeted supplements, and exercise, covered by your plan.
Cost Savings Through Lower Claims
By intervening earlier and eliminating unnecessary care, 100 Health drives down total claims cost, delivering measurable financial savings to employers.
A New Category of Coverage
We’re Not a PBM.We’re an HBM.
Traditional PBM
Pharmacy Benefit Manager
- Covers prescriptions after you get sick
- Reactive, waits for disease to progress
- No coverage for early detection testing
- No coverage for preventative interventions
- Costs rise as chronic conditions develop
100 Health HBM
Health Benefit Manager
- Covers NewGen testing before symptoms appear
- Proactive, detects disease 2–5 years early
- Covers Hrx Health Prescriptions (nutrition, supplements, exercise)
- Stops disease from progressing or reverses it entirely
- Lower long-term claims through early intervention
How the Platform Works
The Cycle of Transformation
A continuous four-phase process that moves members from reactive sick care to proactive health ownership.
Phase 01
Evaluation
Advanced testing and review of results. Identify hidden risks and the true cost of reactive care before it becomes a crisis.
Phase 02
Education
Member platform and early-stage disease indicators. Show the data-driven solution and what it means for each individual.
Phase 03
Execution
Hrx Health Prescriptions and the Health Benefit Management System. Seamless enrollment and active implementation of proactive care.
Phase 04
Engagement
healthgames.ai. Gamify the health journey. Health is a game worth winning, and the Rule of 100 makes it achievable for everyone.
In Sickness and In Health
Full Coverage.Both Ways.
100 Health provides the same traditional sick-care coverage your employees already expect, hospitalization, specialist visits, emergency care, while simultaneously layering in next-generation proactive health coverage that no traditional plan offers. You don’t choose between protection and prevention. You get both.
- Traditional Coverage Included. Hospitalization, emergency care, specialist visits, prescriptions, everything your team expects.
- Proactive Coverage Added. NewGen testing, Hrx Health Prescriptions, early-stage treatment, and disease reversal protocols.
- Employer ROI Built In. Lower claims over time, reduced absenteeism, and a healthier, more productive workforce.
Built inside a captive for greater transparency, control, and long-term financial efficiency.
The Human Impact
More Healthy Years.For the People Who Matter.
Proactive health is not just a financial strategy, it is a human one. When disease is detected and reversed before it becomes chronic, people live longer, healthier, more productive lives. They are present for the moments that matter most.
100 Health gives employers the ability to offer their workforce something no traditional plan can: a genuine investment in their long-term health and longevity, not just coverage for when things go wrong.
Premium Executive Membership
Centurian Health: For Those Who Refuse to Age Passively.
A Centurian is someone who actively maps their biology, detects silent risks, and optimizes their healthspan. The Centurian Health Gold Membership delivers a four-phase precision prevention program, from biological age testing and full-body MRI to cardiac AI analysis and pharmacogenomics.
Workforce Engagement
Health is a Game Worth Winning.
100 Health’s engagement platform, powered by healthgames.ai, gamifies the health journey for your entire workforce. Using the Rule of 100, just 100 hours a year, or 18 minutes a day, employees who consistently take proactive health actions place themselves in the top 5% of the population.
Points, challenges, team leaderboards, and rewards make the health journey fun, social, and sustainable, driving the consistent engagement that produces lasting results.
Ready to Offer Your Employees a New Generation of Health?
100 Health is available to employers with 50 or more employees, with an initial focus on New York, Florida, and Texas. Request a demo and see what proactive health insurance looks like.