No. Proximal is a supplemental benefit. It sits alongside the medical, dental, and vision coverage already in place. No carrier swap, no plan re-quote.

We combine 24 independent third-party sources and only designate doctors who are corroborated across multiple. The bar is intentionally high. Most single-source ratings don’t translate to outcomes.

When a member uses a designated specialist for certain hospitalizations and illnesses, they can claim a cash benefit: $1,500 for using a designated physician, $300 fallback for using any in-network physician with feedback, and a $500 travel bonus for trips over 100 miles to a major metro. Plan benefits are subject to change and may differ from employer to employer. For the most up to date information, we encourage members to log in and check their plan or call us at [phone].

White-glove, employer-direct. We handle implementation, member comms, registration campaigns, and ongoing engagement directly with HR. Brokers introduce Proximal; we deliver it.

Most naturally at renewal. Proximal is built to be the answer brokers bring to the specialty-care line. In some markets brokers close it without a separate proposal; in others, it lives in the pitch deck as a renewal-window differentiator.

Specialty care drives most of the renewal line on a typical employer plan. Better specialist selection drives better outcomes, which drives lower downstream cost. The math follows the care.

Proximal includes a Year-2 guarantee. If the program doesn't hit 2x ROI in Year 1, employers get a 25% premium credit returned at renewal. To date, we haven't had to trigger it.

It varies by plan size, structure, and carrier. Premium is paid in by the employer; claims pay out through the supplemental coverage. Reach out to our team and we'll walk you through pricing for a specific client.