Employee advocacy. Help navigating care and bills.

Your employees should not be sent to an insurance company's 800 number when something goes wrong. Ethos Benefits helps employees and their families choose providers, understand costs before care, file and fix claims, review medical bills, find hospital financial assistance, and move between providers without gaps in care.

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What you get.

Health care is confusing even for people who work in it. When an employee can't get an answer, the problem lands on HR, or it never gets solved.

Choosing providersHelp finding providers in network, with cost and quality information where it is measured.
Cost before careWhat a service will cost before the employee receives it.
Claim filing and problemsClaims filed, followed up and corrected when something goes wrong.
Bill reviewMedical bills reviewed for errors and resolved with the provider or the plan.
Hospital financial assistanceHelp applying for hospital financial assistance programs where employees qualify.
Transitions of careSupport when employees change plans or providers, so treatment continues.

Real help, not a phone tree.

Your account manager is your employees’ first call for benefits problems: eligibility, claims, billing and finding care. Problems are tracked from received to resolved, and open service tickets are reported to you transparently, without sharing anyone’s health information.

Why it matters to the plan.

Advocacy is also how the plan saves money without cutting benefits: employees steered to better-value care, billing errors fixed before they are paid, and support in place for strategies like reference-based pricing that depend on it.

Part of your Fiduciary Framework™.

Every Ethos service reports to your benefits committee. The work is reviewed at your quarterly committee meeting, each decision is recorded with the reasoning behind it, and the record lives in your Ethos Fiduciary OS. That is what lets your committee show the plan was run prudently.

See the Fiduciary Framework™ · How fiduciary governance works

Questions employers ask about this.

How do employees reach Ethos?

Through a two-way text and message line, by phone, and through the online benefits guide, with access around the clock to the guide and messaging.

Does the company see employees’ health questions?

No. Advocacy is handled by Ethos as a HIPAA business associate, and the company sees only combined, de-identified service reporting.

Does advocacy cover dependents?

Yes. Spouses and dependents get the same help as employees.

See what your plan is really costing you.

A Strategic Analysis starts with your plan documents and your broker agreement, then shows you what your plan costs, where the risk sits, and what a committee would decide with the full picture.

Request a Strategic Analysis Call (407) 803-4710