Your Employees Can't Afford Your Health Plan
67% skip necessary imaging due to high deductibles. Extended disabilities. Lost productivity. Higher costs for everyone.
30-minute briefing with USRad founder Michael Cabrera · No sales team
The True Cost of Delayed Imaging
It's not just the scan price. It's the cascade of costs that follow.
When Employees Delay Due to Cost
- → Conditions worsen, requiring more complex treatment
- → Disability claims extend by 18+ days average
- → Productivity losses compound weekly
- → Workers' comp claims increase in severity
The Hospital Markup Reality
Real Example: Lower Back Pain
Without Affordable Access
Day 1: Pain starts, employee continues working
Week 2: Can't afford $3,200 MRI, tries PT
Week 4: Injury worsens, files WC claim
Week 8: Surgery required, 6-month disability
Total Cost: $45,000+
With USRad Access
Day 1: Pain starts, books $260 MRI
Day 3: MRI reveals minor disc issue
Week 2: Targeted treatment, continues working
Week 4: Full recovery, no lost time
Total Cost: $1,200
97% Cost Reduction
Plus retained productivity and employee satisfaction
The Data Self-Insured Executives Need to See
Third-party research validates what we've known for 30 years
of employees skip needed imaging due to cost
EBRI 2023
average family deductible
KFF 2023
price variation for same MRI
RAND 2023
longer disability when imaging delayed
IBI 2023
What This Means for Your Bottom Line
Additional cost per delayed diagnosis (average)
Extended disability duration
Employee satisfaction impact
Every imaging delay cascades into higher costs across your entire benefits spend
See Full Cost AnalysisSame Founders. Bigger Mission. Perfect Timing.
The model we built was so effective, CorVel still operates it today—20+ years after acquiring us. Now we're back to solve an even bigger problem.
What's Changed Since We Sold AnciCare
- 📈 Self-insurance democratized: No longer just Fortune 500—now 20,000+ mid-market companies
- 💸 Deductibles destroyed access: $6,500 average means employees can't afford care
- 🚨 90 million left behind: Uninsured + underinsured = massive care gap
- 🏥 Hospital consolidation won: Imaging costs up 312% while quality stayed flat
THE ULTIMATE VALIDATION
CorVel (NASDAQ: CRVL) still uses our AnciCare model today—20+ years later
Why We Came Back
"We built something so good, it's still the industry standard two decades later. But watching 90 million Americans unable to afford basic imaging? That's a problem we couldn't ignore. The same model that transformed workers' comp can now transform healthcare access for everyone."
— Michael & Donna Cabrera, USRad Founders
Previously built AnciCare, served 168,000+ claimants, created the managed imaging category
One Partner. Two Populations. Total Control.
The same proven model that transformed workers' comp imaging now available for your employee health benefits
For Workers' Compensation Programs
The managed imaging model we created and scaled across 168,000+ diagnostic imaging cases
- 48-hour imaging appointments accelerate diagnosis and treatment decisions
- Imaging centers bill the program directly — injured workers never deal with billing or paperwork
- Transparent flat rates eliminate cost escalation
- Faster imaging leads to earlier treatment and improved return-to-work outcomes
Proven Impact: 50–70% imaging cost reduction · 18+ days faster return-to-work
For Health Plan Members
Breaking down the high-deductible barrier to necessary care
- $260 MRIs employees can actually afford
- No prior auth or referral requirements
- Evening/weekend hours for convenience
- Mobile booking increases utilization
Member Impact: 73% increase in necessary imaging, 92% satisfaction score
The Power of One Integrated Solution
Why managing both populations through USRad multiplies your benefits
Unified Analytics
Single dashboard for all imaging spend across both populations
Seamless Transitions
When injuries become WC claims, continuity of care is maintained
Volume Advantages
Combined volume drives even better pricing and priority access
What This Looks Like in Practice
Based on outcomes from comparable self-insured employers in logistics and distribution
Composite Employer Profile
Regional Logistics & Distribution Company
Before USRad
Average MRI cost
$3,400
Hospital outpatient billing
Annual imaging spend
$5.1M
Group health + workers' comp
Avg. disability duration
47 days
Delayed imaging = delayed RTW
Employees skipping imaging
67%
Due to $6,500 avg. deductible
USRad
30-day
implementation
After USRad
Average MRI cost
$420
Independent accredited centers
Annual imaging spend
$1.8M
63% reduction year one
Avg. disability duration
29 days
48-hr appointments accelerate RTW
Imaging utilization
+73%
Affordable access drives compliance
$3.3M
Annual savings — year one
18 days
Faster return-to-work average
30 days
From contract to fully live
* Composite profile based on outcomes from comparable self-insured employers. Individual results vary based on workforce size, utilization patterns, and existing plan structure.
See Your NumbersCurrent Market Reality
Average Hospital MRI
$3,200
Hospital outpatient billing
USRad Network MRI
$640
Independent accredited centers
Typical Employer Savings
60–80%
Across all imaging modalities
Now calculate your organization's specific savings below
Calculate Your Total Imaging Savings
See the combined impact across workers' comp and employee health benefits
Your Current Numbers
Average Cost Per Scan
Your Savings Potential
Current Annual Spend
$1,200,000
USRad Annual Cost
$175,000
Projected Year-One Savings
$850,000
71% cost reduction
$204,000
WC Savings
$646,000
Health Plan Savings
What Drives These Savings
💡 Not included in calculation: Reduced disability duration, lower indemnity costs, improved productivity, and increased employee satisfaction. Actual savings typically 20–40% higher.
Go Live in 30 Days
Our proven implementation process gets you saving immediately
Week 1: Contract & Discovery
- • Execute master agreement
- • Claims data analysis
- • Integration planning
- • Stakeholder alignment
Week 2-3: Technical Setup
- • API/portal configuration
- • Benefits platform integration
- • Claims workflow setup
- • Testing & validation
Week 4: Launch & Training
- • Employee communications
- • HR/adjuster training
- • Go-live support
- • Success monitoring
Why Our Implementation Never Fails
We've done this before. 168,000+ times. Our team knows every potential pitfall and exactly how to avoid them.
Download the Employer Implementation Guide →Seamless Integration with Your Ecosystem
We've already integrated with the platforms you use
Major TPAs
Sedgwick, Gallagher Bassett, ESIS, Broadspire, and more
Benefits Platforms
Single sign-on, embedded booking, claims integration
Care Navigation
API-first architecture for seamless member experience
Analytics Tools
Real-time data feeds to your BI platforms
Don't see your platform? We integrate with any system via API.
Executive Briefing: Your Questions Answered
Direct answers to what CEOs, CFOs, and HR leaders ask us
"What's our implementation risk?"
• Zero disruption to existing plans - this is an overlay benefit
• 30-day implementation with dedicated project manager
• API integration with your current TPA/benefits platform
• Pilot program option to test with subset of employees
• No IT burden - we handle all technical requirements
De-risked: We've implemented this exact model 1,200+ times through AnciCare
"How do we ensure quality isn't compromised?"
• ACR accreditation required for all facilities (same as hospitals)
• Board-certified radiologists only - no exceptions
• Real-time quality scoring with member feedback loop
• Same facilities your employees already use - just better pricing
• 24/7 support line for any member concerns
Track record: 98% satisfaction across 168,000+ imaging services delivered
"What's the actual ROI timeline?"
• Day 1: Immediate savings on every redirected scan (50-70% reduction)
• Month 1: Measurable increase in employee utilization
• Month 3: 40-60% total imaging cost reduction visible
• Month 6: Reduced disability duration impacts WC costs
• Year 1: Full ROI including productivity and satisfaction gains
Proven formula: Average client saves $1.7M in year one (5,000 lives)
"How does this work with our existing TPA/carrier?"
• Seamless integration - we work with all major TPAs
• Direct billing options for both WC and health claims
• No network conflicts - this is a supplemental benefit
• Claims data feeds integrate with existing reporting
• White-label options available for branded experience
Partnership approach: We enhance your existing relationships, not replace them
"What about compliance and regulatory issues?"
• ERISA compliant - structured as permissible benefit
• HIPAA certified - SOC 2 Type II compliance
• State regulations - licensed in all 50 states
• Workers' comp approved - meets all state requirements
• Legal review included - we provide all documentation
Peace of mind: Same compliance framework that passed muster for Fortune 500 clients and NYSE acquisition
Your Employees Deserve Affordable Access.
Your Bottom Line Demands It.
Join progressive employers saving millions while actually improving employee satisfaction. One solution for both populations.
Cost reduction on all imaging
To full implementation
Setup or integration costs
Questions? Call us at (888) USRad24 or email mcabrera@usrad.com
From the founders who created the managed imaging category and delivered it to 168,000+ claimants