Doctor and assistant walking through hospital waiting room

Reference-based pricing (RBP) is revolutionizing healthcare, giving employers and employees more control to reduce costs through price transparency, while maintaining freedom of choice. As a national leader in RBP recommended by top carriers, we know how to maximize your savings with this innovative strategy.

Maximize your savings

Our RBP solutions offer potentially significant reductions in claims costs, stop-loss premiums and network access fees. HPI can reduce stop-loss premiums by 10% to 15% below carrier rates and stabilize renewal inflation trends.

Upfront pricing transparency

Our pre-certification process establishes the cost of services before care is provided. This upfront transparency avoids surprises and helps alleviate member balance billing.

The flexibility to choose

Our RBP solutions are open-access, facility-based plans offering freedom of choice. Members can choose where to access care, including inpatient/outpatient hospital and facility-based care; lab, imaging and dialysis services; and ambulance services.

Exceptional support

HPI provides employers and plan members with dedicated Pathways Concierge services. Our expert pre-pricing navigators, account services, claims, care management and patient advocacy teams work together to simplify the process and ensure clear communication at every step.

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