By Sydnie Goltz, Product Marketing Manager at Cobalt Benefits Group 

One of the biggest benefits of choosing a self-funded health plan is the flexibility to customize benefits to the specific needs of your employee population. 

With traditional fully insured plans, the benefits offered are designed to meet the healthcare needs of a massive group of members. By choosing a self-funded plan through a third-party administrator (TPA) like Cobalt Benefits Group, you gain complete control over the benefit design, along with access to curated solutions tailored to your unique workforce.  

Cobalt Benefits Groups helps employer groups leverage this control and flexibility, alongside your population’s specific claims, utilization, and demographic data, to take a data-driven approach to benefit design. This allows you to tailor many aspects of your coverage, including deductibles, copays, covered services, and wellness programs, to your unique needs. 

In this post, we’ll take a closer look at how Cobalt partners with industry-leading vendors to offer a range of curated solutions. These condition-specific health programs offer employers tailored benefits that can significantly improve employee health outcomes, member experience, and the company’s bottom line. 

Curated Solutions: Personalized Benefits That Deliver Results 
The most effective benefits strategies aren’t built around what’s available—they’re designed around what your employees actually need. Through our consultative approach, we help employers identify the specific challenges their workforce faces and match them with curated solutions that deliver real value. 

Whether you’re looking to address rising healthcare costs, improve employee satisfaction, or enhance health outcomes, curated solutions offer a path forward that traditional benefits simply can’t match. By focusing on specific conditions and circumstances, these programs deliver more personalized, effective care while often reducing overall costs. 

Traditional fully insured health plans often leave gaps in coverage for specific conditions or life circumstances. Whether it’s a new parent navigating fertility challenges, an employee managing chronic pain, or someone seeking convenient access to primary care, curated solutions provide specialized support that can make all the difference in both health outcomes and employee satisfaction. 

By leveraging curated solutions, employers can: 

• Reduce Healthcare Costs: By focusing on high-cost, high-prevalence conditions like diabetes, heart disease, or mental health issues, employers can achieve substantial cost savings. These programs help prevent expensive complications and emergency interventions by managing conditions proactively. For example, effective diabetes management can prevent costly hospitalizations and long-term complications like weight gain and potential for a high-cost drug use 

• Improve Health Outcomes: Curated solutions provide more relevant, engaging support than generic wellness initiatives, leading to higher engagement rates and better outcomes. Through these curated solutions, we proactively identify and help manage high-risk individuals, aiming to prevent larger health issues and manage chronic conditions.  

• Boost Employee Retention: Employees value employers who offer curated support for their specific health needs, whether managing a chronic condition, navigating a new diagnosis, or seeking preventative care. This personalized approach builds trust, strengthens loyalty, and helps reduce turnover costs by supporting the overall well-being of your workforce.  

At Cobalt Benefits Group, we’ve partnered with leading healthcare technology companies to offer a range of curated solutions that address the most pressing health and wellness needs in today’s workforce. They include: 

Teladoc Health: Virtual Care at Your Fingertips 
Teladoc provides 24/7 access to quality healthcare through virtual consultations, making it easier than ever for employees to get care when and where they need it. The platform includes: 

• General medicine consultations with board-certified providers 

• Dermatology and nutrition services 

• Virtual primary care (Primary360) for ongoing relationships with providers 

• Mental health support with diverse, accessible providers 

• Chronic condition management for diabetes, hypertension, and prediabetes 

With 10-minute average wait times and a 95% first-visit resolution rate, Teladoc removes traditional barriers to healthcare access. 

Carrot Fertility: Supporting Life’s Major Moments 
Carrot offers comprehensive fertility, hormonal health, and family-forming benefits that go far beyond basic coverage. This all-inclusive platform supports employees through: 

• Fertility treatments including IVF and IUI 

• Egg, sperm, and embryo freezing 

• Adoption and gestational surrogacy support 

• Pregnancy and postpartum care 

• Menopause and hormonal health management 

With 95% of members saying they’ll stay longer at their employer because it offers Carrot, this solution is a powerful tool for employee retention. 

Sword Health: Revolutionary Pain Management 
Sword addresses one of the most costly areas of healthcare—musculoskeletal conditions—through innovative digital physical therapy. Their platform includes: 

• AI-powered motion tracking for precise movement analysis 

• Digital pelvic floor therapy (Bloom) 

• Pain prevention programs (Move) 

• Educational content (Academy) 

• 24/7 clinical support (On-Call) 

With a 62% pain-free rate and 70% reduction in surgery intent, Sword demonstrates how targeted intervention can dramatically improve outcomes while reducing costs. 

Pelago: Evidence-Based Substance Use Care 
Pelago provides confidential, personalized support for substance use challenges, from early intervention to comprehensive treatment. Their tiered approach includes: 

• Support programs for low-severity cases 

• Outpatient counseling with cognitive behavioral therapy 

• Medication-assisted treatment for higher-acuity needs 

• 24/7 access through mobile app 

As the most validated substance use management program with 13 published peer-reviewed studies, Pelago offers employers confidence in both efficacy and outcomes. 

WellRight: Comprehensive Wellness Platform 
WellRight’s digital wellbeing platform focuses on holistic health through personalized member experiences. Features include: 

• Hundreds of customizable wellness activities 

• Self-paced workshops spanning all dimensions of wellbeing 

• Personalized care pathways based on member data 

• Incentive management to boost engagement 

• Integration with wearable devices and fitness apps 

With over a decade of experience serving more than 1 million members, WellRight helps employers create truly engaging wellness programs. 

Quantify Specialty Care: Controlling High-Cost Infusions 
Quantify addresses one of healthcare’s most expensive areas—specialty infusion therapy—through an integrated network approach: 

• Access to 65+ infusion clinic locations across 16 states 

• Home infusion therapy available in all 50 states 

• 24/7 remote physiologic monitoring and clinical support 

• Significant cost savings compared to hospital-based infusions 

For employers dealing with high-cost specialty medications, Quantify can deliver substantial savings while maintaining quality care. 

Ready to Transform Your Benefits Strategy? 
The future of employee benefits isn’t one-size-fits-all. It’s targeted, personalized, and designed around the real needs of your workforce. At Cobalt, our curated solutions give you the tools to build a benefits package that truly serves your employees while supporting your business objectives. 

Contact us today to learn how our consultative approach can help you design a benefits strategy that makes a difference for your organization and your employees.