Provide an independent claim advocacy service that assigns one case manager to collect the policy and medical records, create a claim timeline, manage follow-ups, and prepare escalation or appeal packages. Begin as an employer-funded benefit or a fixed-fee consumer service, using trained advocates and standardized case playbooks rather than building a new insurance portal.

Insurers and benefits administrators increasingly route members through fragmented digital portals and outsourced support, while the evidence shows that continuity and accountable human follow-through remain missing. The service can launch manually and productize its intake, documentation, and escalation procedures as case volume grows.