Insurers, health plans & brokers

Rezilia for Insurers & Health Plans

An overloaded caregiver becomes a claimant. Tomorrow’s costs are building today inside your book, with no signal attached to them. Rezilia is a member benefit that produces the missing signal, early risk detection, population cohorts and measurable prevention impact.

Talk to our team See the science

63%higher mortality risk for strained caregiversSchulz & Beach, JAMA 1999

53%of caregivers 65+ develop two or more chronic diseasesCaregiver Action Network / CDC BRFSS

30-40%of dementia caregivers develop clinical depressionFamily Caregiver Alliance

The reality

Your highest-risk member next year is caring for your highest-cost member this year.

Caregiving is one of the best-documented risk factors in the literature and one of the least operationalized in the industry. The caregiver of a high-cost member is very often a member themselves, and their own utilization curve bends upward in the two years that follow, through cardiovascular events, depression and delayed care for their own conditions.

Nothing in your data flags them. They are not coded as caregivers, they do not self-identify, and their claims look unremarkable right up until they do not.

You are already paying for caregiver burnout. You are simply paying for it after it converts into claims.

What you get

A member benefit with a measurement layer attached.

Rezilia deploys as a member service across Medicare Advantage, commercial and group books, direct or through brokers, with PMPM pricing.

For members

Rezilia

Practical support the member uses daily, which is why engagement holds.

Care coordination, medications and family collaboration in one place
A 24/7 AI companion, used most heavily outside business hours
Navigation for benefits, claims and care transitions

For your teams

Rezilia Pro

Population-level intelligence, without touching an identifiable individual record.

Caregiver risk cohorts and mental-load distribution across the book
Early distress signals for care management outreach targeting
Prevention impact measurement you can bring to an actuarial review

How a deployment runs

Cohort first, then book-wide.

Identify the cohort

Start where the caregiving density is highest, dementia, oncology, post-acute, or the caregivers attached to your top-decile members.

Deploy as a member benefit

Direct, embedded in a wellness program, or through your broker. No clinical integration required to start.

Engage and measure

Members activate themselves. Rezilia builds each caregiver’s baseline and surfaces the cohort distribution to your team.

Feed care management

Elevated-risk cohorts become outreach targets for your existing care management teams, with a reason attached.

The economics

Star Ratings, retention and the claims you never see coming.

In Medicare Advantage, caregiver experience touches member experience measures and disenrollment. In commercial and group books, it touches retention and the health of a working-age population you have almost no visibility into. In both, it is one of the very few remaining levers that is genuinely preventive rather than reactive.

Pricing

Custom pricing

Per member per month, depending on book size, cohort scope and depth of analytics. Broker and distribution partnerships available.

Prevention with a number attached

Wellness programs struggle to prove impact. A cohort-level load metric measured over time is a far more defensible basis for an actuarial conversation.

Reaches a population you cannot code

Caregivers are invisible in claims data. Rezilia identifies them through use, not through a field nobody fills in.

Star Ratings implications

Caregiver experience influences member experience and disenrollment in Medicare Advantage, where a fraction of a star is worth real money.

Privacy by construction

Your organization receives aggregated, anonymized cohort analytics. Individual caregiver data never leaves the family layer.

Questions

What plan and actuarial teams ask us.

We complete security and procurement questionnaires directly, write to connect@taloshealth.ai.

How do you identify caregivers in our population?

We do not mine your claims. Caregivers self-select by using the product, which is also why the population we surface is engaged rather than merely flagged. For targeted deployments we can work from a cohort you define, for example the families attached to a dementia or oncology population.

What can you actually prove today?

The association between caregiver strain and health deterioration is well established in the literature. What is new is continuous measurement: the Cognitive Load Index is in production and the 4-week burnout forecast is in clinical validation. We do not yet have a published claims-impact study, and we will not pretend otherwise, we would rather co-design one with you.

Is this a covered benefit or a supplemental service?

Both models are in use. Most plans start with Rezilia as a supplemental member service or inside a wellness program, which avoids the filing cycle while the cohort evidence builds.

What data would we receive?

Aggregated, anonymized cohort analytics only: engagement, mental-load distribution, share of the cohort in elevated risk bands, and trends over time. No identifiable individual records, no message content. Cohorts below a minimum size are suppressed.

Do you work in France as well as the US?

Yes. The platform is bilingual by construction and we are in discussions with French insurers and mutuelles. Pricing and models in France are set with our distribution partners.

Do you work with brokers?

Yes, including revenue-share distribution partnerships. If your broker or consultant wants to bring Rezilia into a client conversation, put them in touch.