Health Benefits, Human Flourishing, and the Hidden Opportunity for the Bottom Line
Why offer health benefits? Why do you offer health benefits to employees? Attraction and retention are obvious initial answers. We
Our Impact
Budgeting for employee healthcare spend is expected to grow by 18% YoY.*Northwind targets 6-8%.
*McKinsey Health Institute, Insight Report 2025
Producing Health. Stabilizing Costs.
Self-funded healthcare solutions that enhance wellbeing and offer peace of mind.
Third-Party Administration
Eligibility, enrollment, claims processing, and adjudication. Broad national networks, Northwind High-Performance Narrow Care Networks, direct provider contracts, and worksite clinic integration.
Pharmacy Benefit Management
Average first-year client savings of 11.5%. 100% client retention. 86% generic dispensing rate. Pass-through rebates with NDC-level audit reporting. A national network of more than 67,000 pharmacies.
Clinical Blueprints®
Northwind utilizes high-touch clinical blueprints across conditions with special expertise in chronic disease management. Typically, a high-cost, high-risk member is paired with a Northwind pharmacist and a board-certified health coach.
Northwind is for employers who take ownership and expect performance in return.
Who we serve
Self-funded Employers
Northwind partners effectively with forward-thinking organizations seeking superior service and better employee health outcomes. Clients enjoy predictable healthcare spending with Northwind and superior employee engagement.
Unions & Multi-Employer Funds
Northwind currently supports 20 Taft-Hartley and 5 commercial multi-employer plans. Unions are great partners in health for Northwind due to their unique commitment to the health and well-being of their members.
What we control
Northwind takes direct responsibility for the core drivers of healthcare cost and performance:
plan administration
Claims, eligibility, and reporting—run by expert operators who understand the entire healthcare ecosystem.
Pharmacy
On-site and mail-order fulfilment through Northwind-owned and operated facilities.
pharmacy benefit management
Precision in medication access, adherence to benefit design, and claims processing.
chronic disease management
Clinician-led programs that identify risk early and intervene decisively.
Northwind distinguishes itself by focusing on improving health production and stabilizing costs. Employees are empowered to eliminate unnecessary spending and introduce more prudent measures. In combination, Northwind targets 6% year over year increases in healthcare spending for clients
(on average) versus the projected average of 18%, annually.
Insights
How Northwind Eliminated $1.2M in Unnecessary Spend while Dramatically Improving Member Health for an 11,500-Member Self-Funded Employer
A large self-funded employer partnered with Northwind Health to deploy a high-touch, clinically-driven diabetes program — and the
Oncology is a Top Cost Driver for Self-Funded Plans
Oncology is now the top driver of health care costs for self-funded employers — not cardiovascular disease, not
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