FOR EMPLOYERS & BENEFITS TEAMS

Cardiac surgery is the most expensive line in your claims book. Now you can manage it.

WhiteGloveMD gives your employees access to independent cardiac surgical second opinions — reducing unnecessary procedures, preventing complications, and saving $36K–$150K+ per redirected case.

Schedule Benefits Consultation →(855) 688-3160

No tech integration · Launch in 2 weeks · HSA/FSA eligible · HIPAA compliant

EMPLOYER ROI SUMMARY
Treatment plans changed after review
Mayo Clinic Proceedings, 2017
66%
Average savings per redirected case
Industry data
$36K
Cost of one unnecessary cardiac surgery
CMS benchmarks
$150K+
Time to launch as employee benefit
WhiteGloveMD
2 weeks
Based on published literature and employer program data
THE FINANCIAL CASE

How one cardiac second opinion reduces your claims cost.

Cardiac surgery is the highest-cost surgical category in any employer's claims book. A single independent review can redirect the treatment plan, prevent complications, and reduce total cost by 50% or more.

CLAIMS COST WATERFALL \u2014 SINGLE CARDIAC SURGICAL CASE
Avg cardiac surgery cost
$150K
Plan refinement
−$36K
Complication avoided
−$50K
Readmission prevented
−$25K
Net cost after review
$39K
Based on published second opinion data and CMS cardiac surgical cost benchmarks

The WhiteGloveMD review costs $250–$500 per case. The savings it generates are measured in six figures.

THREE SCENARIOS

What happens with and without independent review.

Every cardiac surgical decision your employees face falls into one of these categories. In each one, independent review changes the outcome.

Unnecessary Surgery Avoided
WITHOUT REVIEW
$150K+

Employee undergoes cardiac surgery that was not indicated. Full surgical cost, 6–8 week recovery, disability claim, lost productivity.

WITH WHITEGLOVEMD
$500

Independent review identifies that medical management is appropriate. Surgery avoided. Employee returns to work within days.

Complication Prevented
WITHOUT REVIEW
$300K–$600K

Surgery proceeds without risk optimization. Major complication occurs — extended ICU stay, readmission, long-term disability.

WITH WHITEGLOVEMD
$2,395

Review identifies underestimated risk. Surgical approach optimized, or case redirected to higher-volume center. Complication avoided.

Better Surgeon Match
WITHOUT REVIEW
$200K+

Employee proceeds with local surgeon. Adequate but not optimal for case complexity. Average outcomes, longer recovery.

WITH WHITEGLOVEMD
$2,995

Review matches employee to high-volume specialist for their specific procedure. Better outcomes, shorter recovery, faster return to work.

WHY WHITEGLOVEMD

The specialist layer your generalist benefits can't provide.

Generalist second opinion platforms cover everything from back pain to cardiac surgery. WhiteGloveMD covers cardiac surgery exclusively — with depth, precision, and speed that generalists cannot match.

Cardiac Exclusive

Every reviewing physician is a world-class cardiac surgeon or interventional cardiologist. Not a general internist. Not a telemedicine contractor. Specialists who perform these procedures daily.

Triple Risk Scoring

STS, EuroSCORE II, and AATS risk models run on every case. No generalist platform performs validated surgical risk quantification. This is the difference between an opinion and a clinical analysis.

24-Hour Turnaround

Complete White Glove Insights™ Report delivered within 24 hours. Your employee is not waiting weeks while anxiety builds. The urgency of cardiac decisions demands speed.

Surgeon Matching

When the review identifies that a different surgeon or center would improve outcomes, we match the employee to high-volume specialists for their specific procedure. Named surgeons, published outcomes, verified credentials.

PROGRAM OPTIONS

Three ways to offer WhiteGloveMD.

Every option includes the same Heart Team, the same AI-powered risk analysis, and the same 24-hour turnaround.

PER-CASE ACCESS
Offered as voluntary benefit — employee-funded
From $795/case
No employer cost. Group-negotiated rates.
Employee pays directly or via payroll deduction
Same Heart Team, same 24-hour turnaround
Available to employees, spouses, and dependents
HSA/FSA eligible
Zero administrative burden on HR
EXECUTIVE HEALTH
C-suite, senior leadership, key personnel
Custom
Structured as executive compensation benefit.
Gold or Platinum concierge cardiology bundled
Annual cardiovascular risk assessment
Priority access to Heart Team consultations
Ongoing monitoring with dedicated cardiologist
Concierge coordination through any procedure
COMPREHENSIVE
All employees and dependents
$15–$25 PEPM
500 employees × $20 = $120K/year
Full company-wide cardiac second opinion access
White Glove Insights™ Report for every case
Dedicated employer portal with utilization data
HR toolkit: enrollment materials, templates
Employer channel into partner hospital network
HSA & FSA Eligible

WhiteGloveMD second opinions and concierge cardiology are eligible for HSA and FSA reimbursement. We provide itemized receipts meeting IRS documentation requirements.

COMPETITIVE LANDSCAPE

Generalist platforms vs. cardiac specialist.

CapabilityGeneralist Platforms
Accolade, Included Health, Teladoc
WhiteGloveMD
Cardiac SpecializationAll conditions, all specialtiesCardiac surgery exclusively
Reviewing PhysiciansNetwork-matched generalistsCardiac surgeon + interventional cardiologist
Risk ScoringNoneSTS + EuroSCORE II + AATS
Report DepthBrief opinion letter15–25 page White Glove Insights™ Report
Source-Linked ProvenanceNoEvery data point linked to source document
Surgeon MatchingGeneral referral networkNamed surgeons with published outcomes data
Turnaround5–14 business days24 hours
Video ConsultationSome tiersIncluded (Bronze+)
Employer ReportingUtilization onlyUtilization + outcomes + cost impact

Generalist platforms serve a purpose. WhiteGloveMD is the precision layer for the highest-stakes, highest-cost surgical category in your claims book.

BEHIND THE NUMBERS

Behind every claims number is a person who was scared.

“My cardiologist said I needed open-heart surgery. My employer offered WhiteGloveMD as a benefit I didn't even know I had. The Heart Team reviewed everything and found that a minimally invasive approach was appropriate. I was back at work in three weeks instead of eight. That benefit changed my life.”

Employee, Fortune 500 company

When you offer WhiteGloveMD, you're not adding a line item to your benefits spreadsheet. You're giving your employees access to the same caliber of cardiac expertise that was previously available only through personal connections to top surgeons. This is the benefit people remember — and tell their colleagues about.

ROI CALCULATION

The math for a 1,000-employee company.

Conservative assumptions. Published utilization data.

ANNUAL PROGRAM ECONOMICS
Employees covered
1,000
Annual cost at $20 PEPM
$240K
Expected cardiac cases(2–5 per 1,000 employees)
3–5
Cases with plan changed(~65% change rate)
2–3
Savings per redirected case
$36K–$150K
Annual savings (conservative)
$72K–$450K
Net ROI range(Before complications avoided)
0.3×–1.9×
If one complication avoided(Net ROI: 1.6×–4.4×)
+$300K–$600K

One prevented complication pays for the entire program. The question is not cost — it's whether you can justify not offering it.

IMPLEMENTATION

Live in two weeks. No tech integration.

WhiteGloveMD operates independently of your benefits administration system. Implementation is administrative, not technical.

Agreement signed
Standard services agreement. No multi-year lock-in. Cancel anytime.
Benefits liaison assigned
Dedicated WhiteGloveMD representative for your account. Single point of contact for HR and employees.
Enrollment materials delivered
Branded communication templates, FAQ sheets, intranet copy, and launch email drafts. Customized with your company name and benefits contact.
Employee portal configured
Dedicated landing page for your employees with company-specific access and instructions.
Launch communication sent
Your HR team sends the launch email. Employees can access the service immediately.
Utilization reporting active
Monthly or quarterly anonymized utilization and outcomes reports delivered to your benefits team.
NO TECHNOLOGY INTEGRATION

WhiteGloveMD operates as a standalone service. No API, no SSO, no benefits platform integration required.

DEDICATED SUPPORT

Your benefits liaison handles employee questions, coordinates with HR, and provides ongoing program management.

QUESTIONS

Frequently asked by benefits teams.

Per-employee-per-month (PEPM) pricing ranges from $15–$25 depending on organization size and coverage scope. For a 500-employee company at $20 PEPM, annual cost is approximately $120K. On-demand and per-case options with no employer cost are also available.

Two weeks from signed agreement to live benefit. No technology integration required. WhiteGloveMD provides enrollment materials, communication templates, and a dedicated benefits liaison. Employees can begin using the service immediately after launch.

No. WhiteGloveMD operates independently of your benefits administration system. Employees access the service directly through WhiteGloveMD’s patient portal. We provide utilization reports to your benefits team on a monthly or quarterly cadence.

Cardiac surgical utilization typically runs 2–5 cases per 1,000 employees per year. For a 1,000-employee company, expect 2–5 cases annually. Each case that results in a changed or refined plan saves the employer $36K–$150K+ depending on the intervention avoided.

Yes. WhiteGloveMD second opinions and concierge cardiology are eligible for HSA and FSA reimbursement. We provide itemized receipts that meet IRS documentation requirements. When offered as an employer-paid benefit, it is a deductible business expense.

Those are generalist platforms covering all conditions. WhiteGloveMD is cardiac surgery exclusively — dual-physician Heart Team review, AI-powered triple risk scoring (STS, EuroSCORE II, AATS), surgeon-case matching, and a 15–25 page White Glove Insights™ Report. No generalist platform provides this depth for cardiac surgical decisions.

Yes. The Executive Health program bundles Gold or Platinum concierge cardiology into executive compensation packages. This includes annual cardiovascular risk assessment, priority Heart Team access, and ongoing monitoring with a dedicated cardiologist. It can be offered alongside or instead of company-wide coverage.

The employee contacts WhiteGloveMD directly (phone or web). We handle medical records collection, clinical review, and report delivery. The employee receives a White Glove Insights™ Report within 24 hours. If the package includes a consultation, we schedule a video call with the reviewing Heart Team. The employer receives only anonymized utilization data.

Your employees deserve the best cardiac guidance available.

Schedule a confidential benefits consultation. We'll build the right program for your organization.

Schedule Benefits Consultation →(855) 688-3160
enterprise@whiteglovemd.com
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