V3Qtor AG/Healthcare/Insurance cost optimisation
Wellness Rewards System
Healthy behaviour tracked and rewarded with incentives tuned per member, rewards sized against the predicted health outcome and its cost.
$3,200annual savings per member
- Practice
- Decision & Risk Sciences
- Sector
- Healthcare, insurance cost optimisation
- Systems involved
- None beyond the practice
- Where the number comes from
- The number is an engagement target1.
What it changes in the P&L
Medical loss. A reward that costs less than the claim it prevents is margin.
How the first weeks go
- Fit the data you haveDistributions, regressions, time series: we start with what the system records and say where the data is too thin to decide.
- Put a confidence interval on the decisionA rate, a risk score, a treatment match: each comes with its uncertainty and with the rule that says when a person decides instead.
- Calibrate on a rhythmBack-tests run weekly, drift is reported before anyone asks, and the model version is logged with every output.
What stays
Wellness Rewards System stays in the ward’s rhythm once it runs. The weekly review reads from it and its evidence files into the audit trail. Hand-over comes when the number has held for a quarter.
Talk to us about Wellness Rewards System.
Tell us where it would run and what it would have to change. We will come back with what we would look at first, what the first quarter produces, and what it would take.
Notes and sources
- 1Illustrative. Anonymised engagement scenarios; figures indicate modeled or targeted impact and are not audited outcomes.