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Health plans share the pressure. Not the operating model.

We run claims, enrollment, appeals and member engagement for 8 of the top 10 US health plans, each model designed for the plan behind it.

Provider network · live operations
9,420,000
decisions traced today
98%
Network adequacy · time & distance met
96%
Directory accuracy · validated records
58%
Provider onboarding · cycle time
12 of Top 15
US health plans
3 of Top 5
Blue (BCBS) plans
100M
lives touched across the value chain

Avasant RadarView™

Leader in Healthcare Payer Business Process Transformation

Everest Group PEAK Matrix®

Leader in Healthcare Payer Intelligent Operations

NelsonHall NEAT

Leader in Healthcare Payer Agility & Innovation

ISG Provider Lens™

Leader in Payer Transformation on Healthcare Digital Services

Cost, Stars, and deadlines are all moving against plans

Stars pressure, margin squeeze, and regulatory deadlines all land in the same place—the back office.

91%
Average Medicaid managed care medical loss ratio hit 91% in 2024, the highest in a decade and up from 88% a year earlier.
KFF, Health Insurer Financial Performance in 2024
$21B
Despite record automation investment, the medical industry still has $21B in annual savings locked in manual and partially manual transactions.
CAQH Index 2025, February 2026
72 hours
Under the CMS prior authorization final rule (CMS-0057-F), plans must return urgent decisions within 72 hours and standard decisions within 7 days. The mandate is in effect. Miss the window and it shows up in Stars.
CMS, Interoperability and Prior Authorization Final Rule, effective January 2026
$12.7B
Medicare Advantage quality bonus payments reached $12.7B in 2025. Plans that miss 4 Stars watch that revenue shift to competitors.
KFF, Medicare Advantage Quality Bonus Payments, 2025

A harder market is met with stronger plan operations

Real outcomes from live health plan programs. Not projected benchmarks.

$4.3M
realized in member outreach
Personalized omnichannel outreach helped convert missed appointments into rescheduled visits across a major health plan network.
35%
cut from core admin cost
Firstsource assumed end-to-end administration and streamlined core operations through automation and process redesign.
3X
increase on enrollment growth
A large state health plan launched a new exchange product during Medicaid redetermination and achieved threefold enrollment growth. Reconciliation accuracy exceeded 99.8%.
66%
urgent appeals turnaround reduction
AI and ML triage reduced urgent appeals turnaround by 66% for a top-5 national health plan, bringing decisions from 12 hours to 4 hours.

Built around where cost and risk actually sit

Each solution targets where cost and risk sit on a health plan's book. Use one or run the whole operation.

  1. 01

    Claims, adjudicated and paid right, every time

    Most plans run 15% to 20% of claims through manual review. Firstsource raises auto-adjudication rates, reduces denials at the source, and holds 99.9% financial accuracy across government and commercial lines.

  2. 02

    Enrollment without the leakage, at every step

    Backlogs at enrollment mean members start without benefits confirmed. Firstsource clears queues, reconciles eligibility, and handles exchange and government-line complexity at 99.5% CMS acceptance rate.

  3. 03

    Health plan data that predicts what is next

    Most denial and late-payment risks surface in the data before they hit the book. Process mining and ML models flag them early, with $40M in late-payment interest recovered at a top-5 plan.

  4. 04

    Appeals that protect Stars

    A missed appeals deadline costs Stars points, not just a grievance. Firstsource cuts urgent turnaround from 12 hours to 4 hours, with 99.5% of appeals resolved within that window at 99.99% accuracy.

  5. 05

    Provider data you can trust

    Bad provider data is a denial before it happens. Firstsource runs credentialing, demographic updates, and directory accuracy at sub-15-day turnaround and 100% audit accuracy across 230,000 files a year.

  6. 06

    Effective member outreach

    Generic outreach doesn't move hard-to-reach populations. We build psychographic-segmented, multilingual programs that drive HRA completion, care-gap closure, and scaled visit adherence.

  7. 07

    Claims and appeals intake, cleared fast

    Paper is where the back office slows. Firstsource converts claims, EOBs, and appeals at above 99.6% field accuracy, with 100% TAT adherence across a 30-minute to 48-hour processing window.

  8. 08

    Run the whole plan as a service

    End-to-end claims, enrollment, member services, appeals, and provider operations on a single PMPM, with technology migration funded from year-one savings and outcomes in the contract.

No two plan types run the same way. We build for each one.

Each plan type runs under its own regulators, margin pressures, and operating logic. Generic models fail here.

  1. 01
    National plans

    Medicare, Medicaid, Commercial, and Exchange

    National plans carry multi-state, multi-line complexity across Medicare, Medicaid, Commercial, and Exchange. We run claims, member and provider services, enrollment, and appeals at scale.

  2. 02
    Blues plans

    Blues modernization with no member disruption

    Regional and Blues plans face local regulation and multi-platform administration costs. We deliver BPaaS transformations that cut admin spend 20%, eliminate half of tech debt, and deliver 9-figure savings.

  3. 03
    Self-funded

    Self-funded precision and predictable cost

    Self-funded employers, TPAs, and ASO arrangements carry the full claims risk, so precision and predictable cost per transaction matter most. We run core admin, with multi-platform migration experience.

  4. 04
    Specialty plans

    Dental claims, configured and accurate.

    Dental benefit administrators run thin margins and heavy configuration. We raised tier 1 dental claims accuracy and run a dedicated dental BPaaS for a multi-million member book.

  5. 05
    Vision benefits

    Vision benefits, tracked in real time.

    Vision benefit administration: rolling benefit tracking, real-time accumulator data sharing, and benefit-limit enforcement across member, provider, and plan systems.

Delivered $26M in guaranteed savings for a top-5 national plan

Moving claims operations to global delivery raised accuracy and member satisfaction at the same time as it lowered cost.

A top-5 national health plan running Medicare, Medicaid, and Marketplace lines across 20 states engaged Firstsource to build claims as a service: agentic workflows, copilots for top claim pends, and process mining across more than 100 million claims.

Talk to our team
$26M
guaranteed savings
~90%
auto-adjudication
99.9%
financial accuracy

Four things we refuse to trade off

Outcomes, compliance, intelligence, and cost accountability. Every program is built on all four.

  1. 01
    Operating layer

    Intelligence before impact

    Every engagement runs on Kairos OS. Process mining identifies friction early. Predictive AI sets the order of work.

  2. 02
    Built-in compliance

    Compliance built in

    CMS, HIPAA, HITRUST, TCPA, and state rules sit inside the workflow. We enable compliant claims delivery across all 50 states.

  3. 03
    Commercial model

    Savings fund the migration

    We get paid when you save. No upfront capital bill: the technology migration is funded from operating savings from year one.

  4. 04
    Scale

    75 million claims a year

    We run operations for 8 of the top 10 US health plans, process 75 million manual claims a year, and capture 220 million claims of data annually.

Unlock the operating system that compounds health plan intelligence

Discover Kairos, the operating system that turns health plan domain knowledge into a durable, compounding asset for claims, enrollment, and member operations, with 25+ years of health plan data baked in.

Explore Kairos   Contact us
Design prototype by Uprisal, prepared for Firstsource's agency evaluation. Not the official Firstsource website or a live campaign. Copy reproduced from the client's brief and firstsource.com for review only.