We don't sell a policy and step back. CVRD stays in your plan all year. A broker, a platform, and an advisory team in one.
One brokerage, from quote to claim. Here's the full scope.
Designed around your business, marketed to a competitive field of carriers.
Big PBMs keep the rebates. Our pass-through model sends them back to you.
Current, filed, and audit-ready — never chased down.
Payroll-tax dollars back in the business — no change to take-home pay.*
Tools that close the gap between enrollment and engagement.
A connected back office and a real-time view of your spend.
Every program below is included with your plan, built to close the gap between enrollment and engagement.
24/7 support to navigate care, find providers, and cut out-of-pocket costs.
IncludedOn-demand medical and mental health care that cuts ER and urgent-care visits.
IncludedCoaching and devices for diabetes, hypertension, and weight — lowering A1C and claims.
IncludedSpecialists for second opinions, cost estimates, scheduling, and claims disputes.
IncludedScores physicians on five dimensions so employees match to the right doctor.
IncludedThousands of discounts on travel, dining, electronics, and entertainment.
IncludedTargeted reminders all year that drive real use of their benefits.
IncludedDynamic visual guides employees actually read — replacing static PDFs.
IncludedOn-demand employment-law answers, handbooks, and templates for HR.
IncludedHandbooks, policies, and compliance tools tailored to every client — a full library of state-specific resources backed by automation.
IncludedSee how your benefits stack up against competitors in your industry and region. Real market data for confident, informed leadership decisions.
IncludedOnline enrollment, eligibility management, carrier connections, and employee self-service — fully integrated with no manual re-entry.
IncludedAlongside a full suite of benefits, we also offer CVRD's Healthcare Operating System. You pay only for actual claims; stop-loss caps your worst case. Here's how it works.
The carrier's 20% profit margin ? 95% of the time, it stays in your business.
Fund a claims account and pay exactly what your employees use — no profit baked in.
If a member's claims exceed your deductible, reinsurance covers the rest.
If total claims exceed the attachment point, a second layer caps your worst case.
One of the largest lines on the P&L. We make it work for everyone who touches it.
Forecast spend, see risk early, and control costs all year, not just at renewal.
High-value benefits with less admin and a better employee experience.
When a health issue comes up, no one figures it out alone.
Every enrolled employee and their entire family gets immediate access to all of this. A complete preventive care platform included with your plan, once actively enrolled in the program.
Lawyers, CFOs, and benefits architects, tired of watching employers get less than they deserved.
Former pro baseball player turned attorney and insurance agency founder. Built and exited an agency before co-founding CVRD. Risk-management expert.
Healthcare benefits expert who structures innovative plans for mid-market employers. Architect of CVRD's plan-design philosophy.
A 20+ year benefits veteran and former brokerage owner who built, scaled, and sold healthcare companies. Founded CVRD to fix what was broken.
Former corporate finance professional turned entrepreneur who most recently built and exited a tech-enabled service company for the nonprofit industry.
“Our partnership with CVRD has empowered us to deliver better value to our employees, enhancing both satisfaction and retention.”
“With CVRD's platform, we've achieved unprecedented transparency in our healthcare spending, leading to significant cost savings.”
“The ability to make mid-year adjustments has let us stay agile and responsive to our employees' needs while controlling expenses.”
“CVRD has transformed how we manage healthcare costs. The real-time insights have been a game-changer for our budgeting process.”
Bring your current numbers — we'll model what owning your plan looks like.