Case Study: American Heritage Railways achieves $400K in pharmacy savings with ParetoHealth

American Heritage Railways saves $400K on pharmacy spend with ParetoHealth

American Heritage Railways, a tourism company with over 200 employees, faced significant challenges with both traditional self-funded and fully insured health plans. A single high-cost cancer claim exposed them to financial volatility under self-funding, while their fully insured plan offered no savings or claims visibility. They turned to vendor ParetoHealth for a solution using its employee benefits captive and community model.

By joining the ParetoHealth community, American Heritage Railways gained access to the vendor's Risk Shield stop-loss protection, which eliminated new lasers and capped premium increases. This solution provided predictable costs and real-time claims data. The results included over $400,000 in pharmacy savings, a 10% reduction in stop-loss premiums, and flat healthcare costs since 2017, allowing them to reinvest in employee care navigation programs.

American Heritage Railways