A member's OB sees her fifteen minutes every four weeks. Her insurer sees a claim. The hospital where she will deliver has a C-section rate that could be 13% or 83%, and nobody told her. The data exists. The variability is extreme. The gap between what gets tracked and what gets caught is where the cost — and the risk to her — lives.
One named person — not a hotline, not rotating staff. Before her first call, she has read the member's full claims and pharmacy history. She knows the risk factors before the member knows to ask.
Within 48 hoursGestational-diabetes risk flagged early. Preeclampsia indicators surfaced in the first trimester. The navigator shares what she finds with the member's care team, so the catch happens upstream of the complication.
First trimesterThe navigator shows the C-section rates and NICU levels for the specific hospitals where the member's OB delivers — her hospitals, not a national average. A four-tier steerability engine grades how movable each member actually is, so the guidance is honest about where choice exists.
Second trimesterFrom week 37, weekly check-ins. The same navigator coordinates between OB, hospital, and member, then carries her home: medication review, follow-up scheduling, and depression screening at two and six weeks. The same person who started finishes.
Through 12 weeks postpartumFor thirty days after delivery, if a member is readmitted for a covered obstetric complication Waybright should have caught, Waybright pays the full hospital bill — out of its own pocket, against its own books. The fee is at risk against the outcome. It is the forcing function that makes the screening real.
30-day readmission warrantyNot every member can switch facilities. The steerability engine grades each member into one of four tiers and weights the savings to what is genuinely movable. That honesty is why the effective steerable fraction lands at 85.6%, not a flat 100%.
Tier shares are a modeled national baseline; the engine re-grades them per employer from the plan's own geography and facility mix.
The same person from confirmation through twelve weeks postpartum — matched within 48 hours, reading claims and pharmacy data before the first call.
The four-tier model that grades how movable each member is and steers with the member's own hospital quality data, not a national average.
Where the plan watches steering, screening, and outcomes — so the savings number is something you can see, not just a claim.
Waybright pays the full hospital bill for a covered obstetric readmission it should have caught. The fee is at risk against the outcome, reserved at 1.75× expected loss.Blended PEPM — $8 / $6 / $4.50 by plan size4
On a modeled ten-thousand-employee plan, the math comes from three places: NICU admissions avoided, members steered to safer facilities, and readmissions reduced. Add the warranty behind it, and the program's economics depend on catching what the data already shows.
This walkthrough is the short version. The employer page carries the savings components, the illustrative warranty reserve, and the live tools behind the number.
1 CDC National Vital Statistics System, "Births: Final Data for 2022," NVSS 2023. National cesarean rate 32.4%; facility-level rates range roughly 13–83%.
2 CDC Pregnancy Mortality Surveillance System, 2024. Black maternal mortality rate 3x+ relative to white mothers, with income held constant.
3 Health Care Cost Institute, "NICU Use and Spending," 2021. Average NICU admission cost: $71,158.
4 Modeled illustrative example for a 10,000-employee self-funded plan. Gross savings $376,003 = NICU avoidance $230,125 + tier-weighted facility steering $128,058 + readmission reduction $17,820; sensitivity $322,745 (50% steerable) to $382,585 (90% steerable). Blended PEPM — Tier 1 (1,000–5,000) $8.00 / Tier 2 (5,000–25,000) $6.00 / Tier 3 (25,000+) $4.50. Illustrative pricing reflecting current cost-to-deliver modeling; final pricing confirmed at contract. Warranty reserve modeling is illustrative and pending actuarial certification.
Modeled figures are illustrative and depend on plan-specific inputs. The warranty covers defined obstetric complications within 30 days of delivery; postpartum-depression and NICU events are screened and modeled but excluded from warranty scope at launch.