Healthcare
Pay the right claims. Catch risk early. Keep members engaged.
Data & Risk Intelligence for insurance
Reduce avoidable costs. Get ahead of risk.
Navierre helps insurers identify fraud, waste and abuse, understand emerging health risks, and support members before problems become more costly.
Orion protects claims spend. Risk Radar makes changing portfolio risk visible. Eterna connects insight to physician-in-the-loop support, with the Longevity App included.
The trillion dollar problem
$1T
An estimated $1 trillion a yearShrank et al., JAMA, 2019: waste of $760 to $935 billion a year in 2019, including administrative waste and pricing failures as well as fraud and abuse. Against CMS National Health Expenditure data ($4.9 trillion in 2023), $1 trillion is about one dollar in five. of US healthcare spending is lost to fraud, waste and abuse. That’s one dollar in every five.
Now imagine it reinvested in prevention and longevity care.
Earlier screening. Chronic conditions caught in time. More healthy years for millions of people.
$300
per American, every year
1M
healthy life-years gained, every year
Enough each year to fundFunded in the order listed. About 98 million adults with prediabetes (CDC) at about $500 each for a lifestyle-change program; about 260 million adults at about $175 per wellness visit; about 120 million adults over 50 at about $1,000 each.
Diabetes prevention for every adult with prediabetes~$49B
An annual wellness visit for every US adult~$46B
Physician-led longevity care for every adult over 50~$120B
Where Navierre fits Orion finds the fraud, waste and abuse before payment → Eterna puts it to work for members' health →
Sources
Illustrative, with simplified assumptions. Shrank, Rogstad and Parekh, “Waste in the US Health Care System”, JAMA, 2019. CMS National Health Expenditure Accounts, 2023. CDC, prevalence of prediabetes among US adults. Per American divides the redirected amount by a US population of about 335 million. Healthy life-years assume $100,000 per year gained, a common US cost-effectiveness benchmark. Program costs are round planning figures, not quotes.
Three products. Distinct jobs. Connected value.
Each answers a different question. Start with the one that fits your need, and connect more as the scope grows.
FWA intelligence & investigation
Orion
Find unusual claims and provider behavior, prioritize the cases that matter, and equip your team to act before payment.
Explore Orion →In-force risk intelligence
Risk Radar
See how health risk is changing across participating members, identify emerging concentrations of risk, and focus earlier interventions.
Explore Risk Radar →Physician-in-the-loop longevity care
Eterna
Help members understand their health and take the next step through clinical guidance, care navigation and ongoing support. The Longevity App is included.
Explore Eterna →How the products connect
From a risk signal to a useful next step.
Start with data you already have. Orion works from your claims. Risk Radar works from health data that members have chosen to share. Both point your team to what needs attention, then show what changed once you act.
For a claim that needs a closer look
- Your claims
- Orionspots something unusual in a claim or a provider, before it is paid.
- Your teamreviews it in Orion, where AI agents have already laid out the evidence.
- Eternaadds clinical context, when the member is enrolled.
- Your teammakes the call on the claim.
- Your claims systemadjudicates the claim. Orion is connected to it.
For an emerging health risk
- Members enroll in Eternato unlock continuous data exchange.
- Risk Radarnotices a change across the block, on de-identified data.
- Your teamconsiders what it means for members, and decides whether to act now or keep watching.
- You actthrough Eterna’s programs, or through programs you already run.
- Risk Radarmeasures what changed, so you can see whether it worked.
- Your next viewalready includes what changed.
Start with one need. Add more when you are ready.
Orion only needs your claims data, so members do not have to join Eterna for it. Risk Radar depends on members who have joined Eterna and agreed to share their health data, not on how often they open the app. See examples by line of business →
Why it matters
No one sees the whole person.
Hospitals hold the records. Insurers hold the claims. Pharmacies hold the fills. Every decision, on every side, is made on a fragment.Hospitals hold the records. Insurers hold the claims. Pharmacies hold the fills. Every decision is made on a fragment.
Navierre connects the pieces each product needs, with permission, and keeps them separate: carrier claims, member-authorized clinical data, and de-identified portfolio reporting.
Who we serve.
One platform for the organizations that carry health risk. See how we work with each →
Life & Annuities
See risk emerging after issue, while there is time to act.
Accident & Health
Surface the markers early. Aim to delay claim onset. Support the return to work.
Start with your data. Leave with a clearer decision.
For fraud, waste and abuse, begin with a retrospective assessment. For emerging portfolio risk, start with Risk Radar on one cohort or the whole portfolio. For member support, shape an Eterna program around the population and outcomes that matter to you.