A healthcare platform
Health and wealth, moving together.
Insurance pockets what you don't use. ONE SHYFT doesn't. Every contribution rolls forward in a personal benefit bank, builds with healthy years, and lowers what you pay going forward.
Insurance pockets what you don't use. ONE SHYFT doesn't. Every contribution rolls forward in a personal benefit bank, builds with healthy years, and lowers what you pay going forward.
Members make a monthly contribution that lands in a personal benefit bank — a place that earns yield and rolls over indefinitely. The bank can be spent however makes sense for each visit, on any provider, in any network. Medical, dental, vision, and pharmacy all share one bank and one set of rules. Healthy years compound. Wealth and health move forward together.
Members choose a contribution level that fits their household. Every dollar lands in a personal benefit bank that earns yield and rolls over indefinitely — never resets, never expires.
A personal AI health agent, preventive screenings, and continuous monitoring help members stay ahead of disease. The platform is built to reward prevention, not utilization.
Care can be paid however the math works for each visit — from the benefit bank, through an HSA or FSA, on a card, or in cash. The platform compares prices and routes the payment to whichever option costs less. The member chooses where to get care, not the network.
Assumes $400/month contribution at 5% yield, compounded annually. Same dollars flowing into a traditional premium pool produce zero member-side accumulation over the same period.
Routine care is paid from the benefit bank. A reinsurance layer sits behind the platform for catastrophic events — protecting the member without contaminating the savings logic.
ONE SHYFT isn't a repackaged insurance plan. It's a healthcare platform built around the member's benefit bank — with technology traditional payers don't have, and don't want.
Schedules visits, reorders scripts, translates EOBs, and surfaces lower-cost options before any care decision — not after the bill arrives.
Encrypted, member-controlled, portable. Records pull from every provider — medical, dental, vision, pharmacy. No clipboards, no fax chasing.
Published reference rates for every service. Members see the cost before the swipe — no estimate-vs-bill mismatch, no surprise billing.
Wearables, lab results, and biomarker data flow into one record. The engine watches patterns and acts early on screenings, refills, and follow-ups.
Data is private, encrypted, consent-gated. HIPAA-compliant by design, not by retrofit.
Smart Care isn't an app to open. It's an AI agent that lives in the background — reading the data flowing across every doctor you see and every device you wear — and stepping in only when there's something you'd actually want to know. Set it up once. Then go live your life. The longer it watches, the more it pays off.
A number drifting. A contradiction between two providers. A missed follow-up. A drug interaction nobody flagged. Smart Care reads the data your doctors don't have time to connect — and sends the heads-up to the one who needs it. Surveillance, never diagnosis.
Books visits, requests records, applies coupons, disputes errors, reconciles bills. With pre-granted authority, Smart Care moves on your behalf without asking permission for every task. You hear from it only when there's money found or one decision to make.
Small problems caught early stay small. Smart Care intercepts the drifts, missed follow-ups, and quiet warnings before they become flare-ups, hospital stays, or emergencies. Proactive monitoring means less time lost to reactive care — and better-controlled outcomes year over year.
Smart Care isn't insurance and doesn't require any. It works the same with an employer plan, ACA coverage, Medicare, an HDHP, direct primary care, or no plan at all. The agent flags and routes — your physicians do the interpreting. For many members, Smart Care alone is the right product. For others, it runs alongside ONE SHYFT.