> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.cail.health/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.cail.health/_mcp/server.

# Payers and employers

This cluster of buyers shares one job: get members or staff to the right approved provider quickly, and prove it with operational data. The shape of the buyer changes; the work CAIL Health does is the same.

## Who fits in this cluster

* **HMOs.** Health maintenance organizations operating member navigation, network steering, and quality reporting at scale. CAIL Health is delivered as the access layer behind the member app and the commissioner dashboard. See [HMOs](/solutions/payers-employers/hmos/overview).
* **Large employers.** Banks, oil and gas, telecoms, universities, factories, and government agencies running staff medical benefit schemes. CAIL Health helps staff find approved care faster and reduces avoidable spend.
* **Self-funded corporate schemes.** Companies paying providers directly or running hybrid healthcare arrangements. CAIL Health sits between employees and the approved provider network, with the cost and quality data the scheme owner needs.

## What this cluster gets

* **An approved-provider access layer.** Members or staff are routed to providers the scheme covers, with availability surfaced before the recommendation.
* **Cost-leakage visibility.** Where utilization is going, where it should not be, and where the network has gaps.
* **Member or employee experience data.** Patient-reported experience captured at the end of each session, alongside utilization.
* **Scheme-aware behavior.** Per-plan or per-employer rules configured cleanly, without bespoke code paths.
* **Standards-based reporting.** Aggregate metrics produced as FHIR `MeasureReport` resources on a recurring schedule.

The HMOs pages cover the worked example in the most depth. The other audiences in this cluster use the same capabilities with a different operating team.

See [Get in touch](/solutions/get-in-touch) to start.