01
Claims are the cost
Employer plans pay roughly $5,800 to $6,700 per covered life per year. Every visit that is truly avoided is a claim the plan does not pay.
Healthcare moves at the speed of trust®
Care that starts with a text. Claims that stay off the plan.
Ask Sunny is a healthcare access platform for employers. Members text one number to get care for common conditions from licensed physician-group partners, plus a direct path to the right in-network, in-person care when they need more.
- Text
- Common conditions treated over text, no appointment
- 50 states
- Physician-group partners licensed everywhere
- In-network
- In-person care booked at the right site
- Today 2:26 PM
- You: Burning when I pee since yesterday. Pretty sure it's a UTI.
- Sunny: Sorry, that's miserable. A licensed physician can review this over text, no appointment needed. Any fever, back pain, or blood in your urine?
- You: None of those
- Sunny: Good. Sending your case to Dr. Patel now. I'll text you as soon as she's done.
- Today 2:41 PM
- Sunny: Dr. Patel prescribed an antibiotic and sent it to Walgreens on Mission St. Ready after 4 PM. Text me if anything changes.
Illustrative planning example
Four savings levers, sized to your plan
Set eligible lives to see how the four levers add up. Every figure is a planning illustration built from national data, not a reported result, and results vary by region, network and plan.
$5.8M to $6.7M
1
Text-based care for common conditions
700 of 1,000 text visits replace a $300 office or urgent care claim
Assumes 1 text visits per eligible member per year, and that 70% of them would otherwise have been a primary or urgent care visit paid by the plan. The $300 is our plan-paid planning value for that visit; sourced allowed amounts are $167 to $1932.
$210k
2
ER and urgent care avoidance
20 low-acuity ER visits handled over text or in an office instead
| ER visits a year (172 per 1,000 people1) | 172 |
| Of which low-acuity and avoidable (18 of 46M, our derived 39%2) | 67 |
| Of which Sunny reaches first (planning assumption, 30%) | 20 |
| Saved per visit: ED cost less the $300 already counted in lever 12 | $1,732 |
| Plan-paid share (85% of allowed) | $29.4k |
Urgent care visits (156 per 1,000, 156 a year) are already counted in lever 1. Emergency symptoms are always directed to emergency care.
$29.4k
3
Site-of-care steerage
Procedures, imaging and labs done at independent in-network sites instead of hospital outpatient departments
$42.3k
4
Employee productivity
1,000 hours back at work, about 60 minutes per text visit, valued at $46.15 an hour7
Employer time value rather than a claims saving. Leave it out of the total if your plan does not count it.
$46.2k
Levers 1 to 4
Total savings per year
$282k in avoided claims, about 4.2% to 4.9% of plan-paid spend, plus $46.2k in employer time8
$328k
Plan-paid basis (85% of allowed). Some overlap between levers is possible.
See the math and sources Hide the math and sources
Why it matters
Access decides what the plan pays
02
Low-acuity visits add up
Routine primary and urgent care visits are frequent, and they sit in the layer most plans retain.
03
Access decides site of care
Hard-to-reach care pushes people to the ER or urgent care, and to labs, imaging, and procedures at hospital prices.
Two paths to care
Treated over text, or booked at the right site
Path 1
Text-based care for common conditions
Members describe symptoms over text. A licensed clinician from a Sunny physician-group partner handles the visit. No appointment needed.
- Prescriptions or lab orders when clinically appropriate
- Resolved over text instead of a claimable office visit
Path 2
In-person care at the right site
When a member needs to be seen, Sunny's provider data graph matches them to an in-network, high-value site of care.
- Favors independent ASCs, imaging centers and labs over hospital outpatient
- Sunny calls and faxes to book, then confirms and reminds
How It Works
From first message to treatment or a confirmed appointment
Four steps, one conversation. No portals, no phone trees, no waiting rooms.
- 01
Member texts Ask Sunny
Symptoms, benefits questions, or care to schedule, in plain language. Covered dependents too. No portal, no phone tree, no waiting room.
- 02
Treat or route
Common conditions go to text care with a licensed clinician from a Sunny physician-group partner, who sends a prescription or lab order when clinically appropriate. Everything else is routed to the right in-network option.
- 03
Schedule in person
Sunny's provider data graph finds the right in-network site, including independent ASCs, imaging centers and labs, and books it over the phone and fax lines offices already use.
- 04
Follow through
Prescription and lab updates, confirmed appointment details, reminders, and easy rescheduling. Fewer no-shows, fewer loose ends.
Four ways Ask Sunny creates value
Fewer claimable visits, lower-cost sites, less time away
Less time away from work
A text visit replaces the trip and the wait.
Text care for common conditions
Eligible issues are resolved over text with a physician-group partner, not as a claimable primary care visit.
ER and urgent care avoidance
Low-acuity issues are routed to text care or a lower-cost site instead of the ER or urgent care by default. Emergency symptoms are always directed to emergency care.
Site-of-care steerage
When a procedure or diagnostics are needed, members are steered to in-network independent ASCs, imaging centers and labs rather than hospital outpatient departments.
Why Sunny
Purpose-built for healthcare navigation
Built for action, not browsing
Sunny moves members from symptom to treated or scheduled. Common conditions are handled over text by a physician-group partner, and everything else gets booked, so members do not lose hours or miss care.
time to scheduled
Typical days
Sunny minutes
Reaches virtually every provider
By using the phones and fax lines practices already rely on, Sunny books with offices that will never support online scheduling or APIs.
A provider data graph built in-house
Accurate matching across specialty, network status, location and site of care, including independent ASCs, imaging centers and labs.
Fits the plan you already have
TPA, network and stop-loss stay as they are. Launch needs an eligibility file and communications, not an IT project.
Security as a first principle
HIPAA compliant, built with security, auditability and member-data protection.
Measured against your claims
Text visits, avoided claims, ER and urgent care use, and site-of-care mix, reported against your own baseline.
Who does what
Sunny is the platform. Physician-group partners deliver the care.
- Ask Sunny: the platform
- Member experience, navigation, provider data graph, scheduling, reporting. Technology only. Sunny does not practice medicine or deliver care.
- Physician-group partners: the care
- All clinical care is provided solely by Sunny's contracted physician-group partners, licensed in all 50 states.
- HIPAA compliant
- Secure and auditable
- TPA, network and stop-loss stay as they are
Healthcare access platform; does not practice medicine. Clinical care solely by contracted physician-group partners licensed in all 50 states.
- Today 11:32 AM
- You: Need a dermatologist to check a mole, in network please.
- Sunny:
2 nearby dermatology offices take your Blue Shield PPO:
- 1. Marina Skin Clinic 2200 Chestnut St · 1.8 mi
- 2. Noe Valley Dermatology 3900 24th St · 2.6 mi
Reply with a number, or "all" for the earliest opening.
- You: All. Mornings are best.
- Sunny: Got it, calling both now. I'll text you once it's scheduled.
- Today 12:04 PM
- Sunny: Booked: Noe Valley Dermatology, Thursday 9:40 AM. Confirmation sent. I'll remind you the day before.
Who it is for
Built for the plans that bear the claims
The math differs by how you fund the plan. Pick the page that matches yours.
Our Team
Proven leaders from the world's top institutions
Our team brings deep healthcare and technology experience, combining engineering depth and clinical rigor to build an AI-native navigation platform enterprises can trust.
FAQs
Frequently asked questions
Straight answers on care, cost and getting started.
What is Ask Sunny?
Ask Sunny is a healthcare access platform. Members text one number to get care for common conditions, delivered by Sunny's contracted physician-group partners licensed in all 50 states, plus a direct path to the right in-network, in-person care when they need more.
Who delivers the care?
All clinical care is provided solely by Sunny's contracted physician-group partners, licensed in all 50 states. Sunny provides the member experience, navigation, provider data graph, scheduling, and reporting. It is technology only and does not practice medicine or deliver care.
What can be treated over text?
Common conditions. A member describes symptoms over text and a licensed clinician from a physician-group partner handles the visit, with a prescription or lab order when clinically appropriate. No appointment is needed. Anything that needs to be seen in person is routed to the right in-network site, and emergency symptoms are always directed to emergency care.
How does Ask Sunny lower plan costs?
Four ways. Eligible issues are resolved over text instead of as a claimable office visit. Low-acuity issues are routed away from the ER and urgent care by default. Procedures and diagnostics are steered to in-network independent ASCs, imaging centers and labs rather than hospital outpatient departments. And a text visit replaces the trip and the wait, so people lose less time at work.
Does it change our TPA, network, or stop-loss?
No. Ask Sunny sits alongside the plan you already have. Your TPA, network, and stop-loss stay as they are. For level-funded plans, surplus mechanics are unchanged. For PEO master plans, the carrier, TPA, network and stop-loss stay as configured.
Are dependents covered?
Yes. Covered dependents use the same number and the same two paths to care as employees.
How does in-person scheduling work?
When a member needs to be seen, Sunny's provider data graph matches them to an in-network, high-value site of care. Sunny calls and faxes the office to book, then sends confirmations and reminders and handles rescheduling. Because it uses the phone and fax lines practices already rely on, it reaches offices that will never support online booking.
What data do you need to get started?
An eligibility file and launch communications. There is minimal IT lift, and most pilots launch in weeks.
How do we measure results?
Pilots start by agreeing on metrics: text visits, avoided claims, ER and urgent care use, and site-of-care mix. Sunny reports against those and you compare them to your claims baseline before deciding on rollout.
Are the savings figures on this site guaranteed?
No. The savings model is an illustrative planning example built from national data and stated assumptions. Results vary by region, network, and plan. We will build a model on your own claims mix before any decision.
Is Ask Sunny HIPAA compliant?
Yes. Ask Sunny is HIPAA compliant and built with security, auditability, and member-data protection in mind.
How do we get started?
Tell us about your plan and we will model the four levers on your claims mix or scope a pilot cohort: a location, business unit, or the whole plan.
Next step
Model this for your plan, or scope a pilot.
Member experience, network fit, and a savings model built on your claims mix.