Medical oversight
All employers need medical leadership—just not the payroll of a full-time Medical Director. One3 gives you fractional access to a residency-trained, board-certified occupational medicine physician who owns your medical decisions, federal and state compliance requirements, workers’ comp case management, return-to-work strategy, and the analytics to prove it’s working. A physician, whose professional purpose is to understand what is driving your healthcare spend, will show you where your healthcare costs are silently eroding profit and provide clear, clinically grounded strategies to solve it.
Capabilities
A physician reads your claims, utilization, and injury data to find what's driving your health spend — high-cost claimants, avoidable ER use, fragmented vendors — and builds a strategy to bring it down, with the savings tracked in dollars over time.
A dedicated occupational medicine physician sets protocols and standing orders, fields escalated medical questions, and is the medical authority behind your HR and safety decisions.
OSHA recordability determinations, DOT/FMCSA program management, drug and alcohol testing oversight (MRO), and audit-ready policy and documentation.
Coordinate care, align with treating providers and TPAs, and drive earlier, safer claim resolution to reduce duration and severity.
Practical modified-duty and work-status decisions that keep employees supported and operations moving.
Respiratory, hearing conservation, lead, and other OSHA-mandated programs, plus structured fitness-for-duty assessments with physician review.
How engagements work
Every engagement is structured around your organization's cadence and needs. That typically includes standing leadership meetings, on-call consultation windows, and scheduled site or virtual reviews. You receive written protocols and standing orders, KPI dashboards, audit reports, and executive summaries — the documentation your HR, Safety, and Legal teams need to operate with confidence.
Ongoing medical direction with a defined monthly scope — leadership cadence, case management, compliance oversight, and reporting that grows with your organization, including multi-site coordination for larger employers.
Every engagement follows the same physician's method: we diagnose what's driving your health spend from your claims, utilization, and injury data; prescribe a strategy matched to your workforce; and manage it as part of your leadership team — proving the savings in dollars over time.
$2,0323
Avoidable ER & urgent care
Reduced unnecessary ER and urgent care utilization—primary-care-treatable ER visits average about $2,032.
5–10%2
High-cost claimants
Better management of high-cost claimants—the small share of people driving most of your spend.
$47,000+4
Faster injury resolution
Faster return-to-work and injury resolution—the average workplace injury claim exceeds $47,000.
Unified
Less vendor waste
Less waste from fragmented vendor ecosystems—one accountable strategy instead of disconnected point solutions.
You don't reduce healthcare costs by reacting faster. You reduce them by managing earlier.
Interactive model · The True Cost of Health
Your premium is the symptom, not the disease. Adjust the inputs to size the full picture — medical spend, workers’ comp, and the lost productivity underneath. Then get your healthcare cost snapshot to see what a physician-led program is built to recover.
Adjust your inputs
2.7 TRIR avg
1,500 employees
$18,500
National average is $18,500 for 2026 (Mercer). Use your own PEPM × 12 if you know it.
How you compare
Your sector’s injury rate of 2.7 is 17% above the all-industry average of 2.3.
Your per-employee health spend is on par with the $18,500 national benchmark.
Your true cost of health / year
$34.3M
Roughly 1.2× the benefit spend most employers think they’re managing.
Get your healthcare cost snapshot
See exactly what One3 is built to recover for your workforce — your direct annual savings, return on program cost, and payback — in a healthcare cost snapshot you can share. Enter your details and we’ll email it to you.
Before you submit, double-check your workforce size and health benefit cost per employee above — your snapshot is calculated from those two numbers.
Illustrative national-benchmark estimate, not a guarantee. Built on: Mercer 2025 ($18,500/employee, 2026); BLS 2024 injury rates; NSC/NCCI ($47,316 average lost-time claim); IBI (~$3,900/employee lost productivity). See Sources & References.
Prefer to talk? Book a callPricing & next steps
Retainer pricing scales with workforce size and scope. Book a short discovery call and One3 will recommend the right tier and a tailored quote.
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