Health Insurance for Startups.

Premium benefits for high-performance teams. Concierge support to help your team navigate healthcare.

$0Deductible
NationwideUnlimited network
HumanConcierge support

Live in California · More states coming soon

Benefits, not box-checking

Premium health benefits for high-performance teams.

Preventive medicine, optimization, and the specialist access traditional insurance can't offer — all coordinated by a real human concierge on your team's behalf.

Included · Every 6 months

Advanced biannual blood panels.

80+ biomarkers read every six months — covering metabolic health, cardiovascular risk, hormones, inflammation and more. Results land in the Rivendell app with clinician commentary and trend lines over time.

ApoB
48
hs-CRP
0.7
Fasting insulin
5.2
VO2 max
49
Included · For every member

A wearable on day one.

Every member picks a top-tier wearable on day one. Sleep, HRV and training load show up in the Rivendell app, so your concierge can personalize recommendations with real data.

68
HRV
92
SLEEP
7.4
LOAD
Therapists the others can't offer

Mental health & physical therapy.

We match members with hand-picked therapists and physios — many don't take any other insurance. Your concierge handles the intro, scheduling and reimbursement. Plan coinsurance applies, same as any other specialist visit.

  • Best providerscovered
  • No referralbooking, self-directed
Amazon Pharmacy

Pharmacy in three hours.

Tell your concierge what you need filled. We route the prescription through Amazon Pharmacy — delivered in as little as three hours, with refills kept on cadence.

  • 3 hrstypical fulfillment
  • Autorefills on schedule
End to end

Maternity, handled end to end.

Your concierge finds every provider your growing family needs and stays on top of every claim — so when the baby arrives, no surprise bill follows.

The concierge

Text a real person, not a bot.

Every Rivendell team gets a shared Slack Connect channel and an iMessage number staffed by our concierge crew. We book appointments, fill prescriptions, route claims and find the specialists most insurance can't.

A real person in Slack & iMessage

Every team gets a shared Slack Connect channel and an iMessage number staffed by our concierge crew. No bots answering coverage questions, no ticket queues.

We book appointments for your team

Share what you need — a dermatologist, a physio, a specialist referral — and we handle scheduling end to end. Confirmation lands in the thread.

Amazon Pharmacy in three hours

Prescriptions routed through Amazon Pharmacy for same-day delivery. We handle the refill cadence so nobody runs out between trips.

Works with your favorite AI assistant

Your Rivendell plan connects to Claude, ChatGPT and any MCP-aware assistant out of the box — no extra app to install. Members just ask "am I covered for this?" and get an answer from the source.

Lives where your team works
Slack ConnectiMessageRivendell app
#health-benefits · Your team
Slack Connect
M
Member9:14

Dentist in the Mission near Valencia — open after 6pm?

R
Rivendell concierge9:14

Three options, all in-network with evening availability. Want me to book the top-rated one tomorrow at 6:30?

M
Member9:15

Yes please. Also got a $420 urgent-care bill — should I worry?

R
Rivendell concierge9:16

Booked — confirmation incoming. The bill looks like a coding error; I'll open the dispute with the provider and ping you when it clears. Usually two business days.

Built to share

A benefits page your best recruits will screenshot.

Every Rivendell team gets a custom URL — drop it in a job description, a recruiting outreach thread, or your careers page. Candidates see every benefit laid out clearly, without a call.

rivendell.health/acme/plan
A
Acme Inc.
Health benefits overview

We've got your health covered.

Rivendell is Acme's health insurance partner. Zero-deductible plan, human concierge in Slack & iMessage, 3-hour pharmacy delivery through Amazon, and a hand-picked specialist network — included for every teammate.

  • Deductible$0
  • PharmacyAmazon · 3 hr
  • ConciergeSlack & iMessage
  • Therapy & PTBest providers covered
  • Biannual labs80+ biomarkers
  • WearableIncluded
  • Your own URLA dedicated rivendell.health/{company}/plan link, ready to share.
  • Auto-updatesChange the plan and the shared page updates instantly. Nothing to re-export.
  • No login wallCandidates open the link and see everything — no signup, no calls.

How onboarding works

A real person walks you through every step.

No census spreadsheets, no 40-page SBCs. Our founding team designs the plan, walks you through the quote, and hands your team off to a concierge who sticks with them from day one.

01

30-minute kickoff

Meet our founding team. We learn your headcount, locations, existing coverage, and what your team actually cares about.

Kickoff · 30 min
F
Founder intro
Meet Heiki & the Rivendell team
C
Company intake
Headcount, states, goals
02

A plan built for your team

We design and underwrite the plan, walk you through the numbers, and share a one-page benefits overview you can forward to your team before anyone signs up.

The Rivendell plan · benefits overviewShare ↗
  • Deductible$0
  • NetworkNationwide PPO
  • ConciergeSlack + iMessage
  • Pharmacy3-hr delivery
  • Biannual labs80+ biomarkers
  • WearableIncluded
03

Concierge-led rollout

Members are onboarded through Slack, iMessage, or the Rivendell app. Rivendell cards, wearables, and specialist intros start landing on day one.

Concierge channel · Your teamLive
F
Teammate
Founder · Rivendell card in Wallet
E
Teammate
Engineer · SF · Wearable shipped
D
Teammate
Designer · SF · First PT session booked

One plan. Every team.

By founders, for founders.

One plan for every startup. Zero deductible, the full optimization stack, 90-day renewal notice, and per-member pricing that drops as your team grows.

The Rivendell plan

Flagship

$750/ member / month

Everything included, for every member. Pricing drops as your team grows — the plan grows with you.

Talk to our team
  • Zero-deductible health plan
  • Reference-based pricing — nationwide, no network gatekeeping
  • Human concierge in Slack Connect + iMessage
  • Appointments booked on your team's behalf
  • Pharmacy delivered in three hours via Amazon Pharmacy
  • Hand-picked therapists & physios, no referral required
  • Biannual advanced blood panels (80+ biomarkers)
  • A top-tier wearable included for every member
  • Comprehensive dental & vision included
  • Rate drops as your team grows

FAQ

Questions, answered.

Can't find what you're looking for? Your AI concierge can answer it, or ping [email protected].

Three things. (1) A zero-deductible plan — your team gets care from day one. (2) A real human concierge in Slack and iMessage who books appointments, handles pharmacy refills and routes claims for your team. (3) Access to hand-picked therapists and physios, many of whom don't take any other insurance, alongside biannual labs, a wearable and maternity coverage handled end to end.

Real people on our concierge team live in a shared Slack Connect channel and on an iMessage number with your team. They answer coverage questions, book doctor and specialist appointments, route prescriptions through Amazon Pharmacy (delivered in as little as three hours), handle claim disputes, and find providers traditional insurance can't match. It's a human on the other end — not a chatbot.

Yes, out of the box. Your Rivendell plan integrates with Claude, ChatGPT and any MCP-compatible assistant — no app to install and no extra setup. Members can ask their preferred assistant about coverage, in-network providers, or specific claims and get answers drawn directly from their plan. Behind the scenes our concierge team uses AI tooling to work faster, but the person texting you back in Slack or iMessage is always a real human.

That's the whole point. Every Rivendell team gets a shared Slack Connect channel with a dedicated concierge crew and an iMessage number. A real person responds — no bots, no ticket queues.

Yes — every member picks a top-tier wearable and we ship it on their start date. Sleep, HRV and training data flow into the Rivendell app so the concierge can personalize recommendations when it matters.

We've built relationships with top therapists and physical therapists in our service areas — including many who don't take any other insurance carriers because the reimbursement math doesn't work under legacy plans. Rivendell structures these as direct-pay or reimbursed visits; plan coinsurance applies the same way it would for any specialist visit, but without network gatekeeping or referral hoops.

California and New York today, with more states rolling out over the coming year. If your team spans states we don't yet cover, we'll onboard what we can and keep the remainder in the queue until their state is live.

Yes. Many founders save money by moving off their PEO onto Rivendell directly once they hit around five employees. We handle the migration, including COBRA and FSA/HSA continuity — no spreadsheet hand-offs required.

No surprise renewals. We publish any rate change 90 days in advance so you have time to plan or adjust. Per-member pricing also drops as your team grows — the plan grows with you — so most groups see their renewal go down, not up.