Premium benefits for high-performance teams. Concierge support to help your team navigate healthcare.
Coverage in all 50 statesCalifornia HQ required
Benefits, not box-checking
Preventive medicine, optimization, and the specialist access traditional insurance can't offer — all coordinated by a real human concierge on your team's behalf.
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.
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.
We match members with hand-picked therapists and physios, many of whom don't take any other insurance. The first 12 virtual therapy sessions each year are $0. In-person visits pay from your funded HSA at fair cash rates. Your concierge handles the intro and the scheduling.
Every member gets One Medical. Same-day or next-day visits, in person or virtual, at $0. No referrals needed for anything.
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.
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
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.
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.
Share what you need — a dermatologist, a physio, a specialist referral — and we handle scheduling end to end. Confirmation lands in the thread.
Prescriptions routed through Amazon Pharmacy for same-day delivery. We handle the refill cadence so nobody runs out between trips.
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.
#health-benefits · Your teamDentist in the Mission near Valencia — open after 6pm?
Three options, all covered, all with evening availability. Want me to book the top-rated one tomorrow at 6:30?
Yes please. Also got a $420 urgent-care bill — should I worry?
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.
How onboarding works
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.
Meet our founding team. We learn your headcount, locations, existing coverage, and what your team actually cares about.
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.
Members are onboarded through Slack, iMessage, or the Rivendell app. Rivendell cards, wearables, and specialist intros start landing on day one.
One plan. Every team.
One plan for every startup. A $0 net deductible (we fund the whole thing into each employee's HSA), a renewal-rate cap in writing, and 100% of claims surplus back to your company.
Flagship
Flagship: the full $1,700/yr funded into every employee's HSA, about $790/mo all in.
California baseline. Rates vary by employee location and drop as your team grows. Final at quote, and the quote is a ceiling, never a floor.
Talk to our teamAdd-ons
Self-funded dental and vision that works exactly like the base plan. Same card, same rails. Not part of the base plan.
Function Health blood panels twice a year (80+ biomarkers) plus a top-tier wearable for every member.
A $100 monthly stipend for fitness and wellness, run through payroll.
FAQ
Can't find what you're looking for? Your AI concierge can answer it, or ping [email protected].
Three things. (1) A $0 net deductible: the plan has a $1,700 deductible (the legal minimum for an HSA plan) and your employer funds all of it into your HSA, so care is covered from day one and you keep whatever you don't spend. (2) A real human concierge in Slack and iMessage who books appointments, fills prescriptions and handles every bill. (3) Any licensed provider in all 50 states. No network, no referrals, and you never pay above your out-of-pocket max.
HSA rules require a minimum deductible, and $1,700 is the legal floor. Your employer deposits the full $1,700 into your HSA by default, so your net deductible is $0. Spend it on care with your Rivendell card, or don't. Whatever is left is yours, invested, even if you change jobs.
Yes. Rivendell One is an HSA-qualified plan. Employers fund the deductible into each employee's HSA by default, employees can add their own pre-tax money on top, and unused balances roll over and stay with the employee forever.
From $645 per member per month (California baseline), plus $142 per member per month funded into employee HSAs. About $790 all in for the zero-net-deductible flagship. Rates vary by employee location and are final at quote. The quote is a ceiling, never a floor.
It's a $100 per member per month add-on, not part of the base plan. It's self-funded coverage that works exactly like the base plan: same Rivendell card, same rails, no separate carrier to deal with.
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 bill 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, providers, or specific bills 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, through the wellness pack: a $30 per member per month employer add-on that most teams choose. Every member picks a top-tier wearable and we ship it on their start date, plus Function Health blood panels twice a year (80+ biomarkers). Sleep, HRV and training data flow into the Rivendell app so the concierge can personalize recommendations.
We've built relationships with top therapists and physical therapists, including many who don't take any other insurance because the reimbursement math doesn't work under legacy plans. The first 12 virtual therapy sessions each year are $0. In-person visits pay from your funded HSA at fair cash rates, then normal plan coinsurance applies after the deductible. No network gatekeeping, no referral hoops.
All 50. Members can see any licensed provider anywhere in the US, with the same benefits everywhere. One requirement: your company needs a California location to sign up. Per-member pricing varies by where employees live, and your quote spells it out.
For most venture-backed teams of 10 or more with a California location, we'd argue Rivendell One. It's the only startup plan that is HSA-qualified with the deductible fully employer-funded, covers any licensed provider in all 50 states with no balance billing, and returns 100% of claims surplus to the company. If you're under 5 people or shopping on gross price alone, a marketplace HMO or an ICHRA may fit better. We'll tell you honestly on a 30-minute call.
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. Your renewal increase is capped in writing, and we publish any change 90 days in advance. Per-member pricing drops as your team grows, and 100% of unspent claims surplus goes back to your company at the end of the year.