The risk is already in your workforce's blood work.
Self-insured employers pay claims directly — so late detection is money. Zenlo reads the routine lab panels your plan already covers into cohort risk tiers tied to claims cost, so benefits and finance can intervene while prevention still pays. Aggregate only — never individual PHI.
The challenge
Employer healthcare is broken on timing. Chronic conditions surface in claims only once they are expensive to treat. The data to catch them earlier already exists — it just isn't read.
Detected too late
Most chronic disease is found when it's already costly — after it has entered the claims run.
diabetes · CVD · CKD · metabolic syndrome
Wellness measures steps
Traditional programs track engagement and activity — not laboratory disease risk.
steps · app logins · challenges
You are the insurer
A self-insured employer pays claims directly, so every late diagnosis lands on the plan, not a carrier.
direct claims · stop-loss · premium
Blanket programs
Benefits dollars spread across everyone instead of the cohorts that actually carry the risk.
low uptake · untargeted · hard to prove
Labs sit in silos
Routine blood work your plan already pays for is never turned into population-level signal.
PDF labs · annual physicals · panels
No line to the CFO
HR can't show finance a defensible link from a wellness line item to avoided claims cost.
ICD-10 · CPT/HCPCS · ROI
How the engine applies
Existing panels in, two defensible views out. No new tests, no on-site clinics, no hardware. The same engine reads routine blood work into a cohort risk picture — one view for HR, one for finance.
Who signs
Two buyers at one table. The same dashboard speaks each one's language — claims and ICD codes for the CFO, engagement and risk tiers for HR.
Claims cost, in their language
- Cohort risk mapped to ICD-10 and CPT/HCPCS
- Modeled avoided claims vs. program cost
- Impact on stop-loss and renewal premium
- Quarterly PDF summary for finance review
Engagement and targeted action
- Population risk by pattern and department
- Enrollment and engagement tracking
- Target the cohorts that carry the risk — not blanket programs
- No names, no line-level labs, no diagnoses exported
Privacy by architecture
The employer never sees a person
Separation isn't a policy promise — it's how the system is built. Employees hold their own data; the employer only ever sees k-anonymous aggregates.
Aggregate only
Headcount, cohort risk rates and averages — never individual values.
- No names or identifiers
- No line-level lab values
- No diagnoses exported to HR
k-anonymity enforced
Small cohorts are suppressed so no one can be re-identified.
- Minimum cohort thresholds
- Department views gated by size
- Counts, not records
Compliance posture
Built on a HIPAA-aligned stack with zero data retention on model calls.
- Anthropic BAA · zero data retention
- Row-level security on every table
- Wellness / early-detection — not a diagnostic device
Who this is for
Whoever carries the claims risk. Built first for self-insured employers; the same aggregate engine extends to the partners who advise and underwrite them.
Self-insured employers
500–5,000 employees who pay claims directly and feel late detection on their own plan. HR Directors and CFOs as joint buyers.
Benefits consultants & brokers
Advisors who need a defensible, measurable early-detection line to bring to their self-insured books.
TPAs & health plans
Third-party administrators and plans that can read the same aggregate signal across many employer groups.
See it on your own claims data
Start a 90-day pilot at $2 PMPM — no lock-in. We map Zenlo to your claims and benefits data and measure the ROI on your population, not a model.