A daily wellness layer for member engagement.
Insurance pricing is reactive. ooddle is a prospective signal: daily data on the three variables that drive a meaningful share of preventable health costs, before a claim is filed.
Policyholders own their personal data. Insurance partners see aggregate trends, never individual scores.
Health plans already track quality, claims, utilization, care gaps, and member experience. Those metrics matter, but many of them are delayed or strictly clinical.
ooddle adds a simple daily layer: how did you sleep, how is your energy, and how is your stress. These signals create the OWS, a member-facing wellness index that helps people notice patterns and take small actions before they disengage from their own routines.
ooddle does not replace clinical care, HEDIS, Star Ratings, or chronic-condition management. It helps members build the daily awareness and follow-through those systems often depend on.
What ooddle enables for health plans
- Population-level OWS trend data: identify high-risk employer groups before claims spike.
- Engagement-linked premium incentive programs: reward members who maintain consistent check-in streaks and improving OWS trends.
- Early-intervention triggers: declining cohort trajectories can route to existing wellness outreach before utilization climbs.
- Wellness program ROI reporting: demonstrate value of prevention to self-insured employer customers.
- Chronic-disease management integration: OWS as a daily supplement to condition management programs.
- All member data is privacy-sensitive. Aggregate cohort reporting only.
Illustrative ROI scenario - 10,000 covered lives
| Metric | Without ooddle | With ooddle |
|---|---|---|
| Avg. healthcare cost per high-stress member | $14,000/year | $11,000/year (~21% reduction) |
| High-stress population (est. 30%) | 3,000 members | Targeted via OWS |
| Potential claims reduction | Baseline | $9M annually |
| ooddle deployment cost | - | ~$1.44M/year |
| Net claims savings | - | ~$7.5M |
Illustrative scenario derived from published wellness-program ROI ranges (HBR, Cigna/Avalere). ooddle-specific outcomes will be validated in plan-specific pilots before being claimed. Not a guarantee of returns.
The premium-incentive model
Pair ooddle with member premium discounts tied to engagement and OWS improvement. Members with consistent check-in streaks and improving scores represent measurably lower risk profiles, and can be rewarded accordingly.
Ready to start a pilot?
Tell us about your team. We will reach out within two business days.