BPaaS for Health Plans

Lower your TCO by more than 30% across departments.

Inovaare runs the case lifecycle for Member Services, A&G and Provider Disputes under your SLAs, your KPIs and one program office. Cost, capacity strain and process complexity move from your departmental P&L onto the BPaaS contract. Clinical decisioning stays with your medical directors when that’s your preference.

BPaaS Operations Dashboard
Managed operations overview
Functions managed
3
SLA coverage
24 / 7
TCO reduction
35%
Audit readiness
Continuous

The operating gap

Volume keeps climbing. Headcount doesn't. The cost shows up in SLAs, audits and turnover.

1

Backlogs that move with the calendar

Member or Provider Case Volumes are not evenly distributed throughout the year. Fixed headcount is not ideal to manage peaks and valleys.

2

Audit trails that leave when people leave

CMS findings cite missing evidence and inconsistent classification — gaps that compound across teams without shared standards.

3

Vendor sprawl masking the real cost

BPO, staffing agencies, software vendors — each with separate contracts and audit posture. Departmental TCO rarely shows up in one number.

4

Software alone leaves SLA accountability with you.

Adding AI tools to existing teams shifts cost categories but rarely shifts headcount or SLA risk. BPaaS moves the accountability, not just the tooling.

Scope of service

We run three departments. We bring domain specialists, CMS-aligned workflows and the Inovaare member/provider experience platform.

Scope is defined before the contract, not after. Here’s exactly what moves and what doesn’t.

Direct operations

Staffed, managed and reported by Inovaare

We own the full case lifecycle — intake, triage, administrative decisioning, communications, regulatory reporting and auditing. You set the KPIs. We hit them. Based on the client’s preference, we can take on the clinical decisions.

Member Services Appeals & Grievances Provider Disputes
Partner-extended

Delivered by vetted partners under Inovaare governance

Same reporting cadence, audit posture and SLA accountability as direct operations. One program office, regardless of who staffs the work.

Claims Utilization Management Care Management
Intentionally excluded

If Clinical decisioning stays with your medical directors.

This boundary is defined upfront so your compliance team can evaluate delegation risk before engagement. Inovaare stays outside the CMS delegated-entity definition.

Remains with your physicians

The engagement model

People, process, platform, pricing — all under one contract.

1 · PEOPLE

Your A-players stay on the account

Your strongest specialists move to Inovaare payroll and stay on your account. Institutional knowledge doesn’t leave during transition.

2 · PROCESS

Cases move the same way regardless of who touches them

Standardized workflows with role-based access, structured logs and escalation paths. The audit trail is CMS-aligned and consistent across queues.

3 · PLATFORM

AI assists structured work. Specialists own judgment and quality.

AI agents handle intake classification and evidence gathering. Specialists own judgment and quality with human-in-the-loop validation.

4 · PRICING

Cost flexes with case volume

Outcome-aligned, per-department pricing. The model is named on contract, and the math is shown in the readiness review.

The three real options

Build it, outsource it, or hand it to BPaaS.

Dimension
In-house + AI software
Traditional BPO
Inovaare BPaaS
SLA accountability
Yours — you absorb the variance
Shared; capped by penalty clauses
Inovaare, end-to-end on every queue
Cost model
License + your fully-loaded headcount
Headcount-based; offshore labor arbitrage
Outcome-aligned; flexes with case volume
Technology lift
You implement, configure, maintain
Lift-and-shift; minimal automation
AI Agent Studio with human-in-the-loop
Audit posture
Depends on full team adoption
Reconstructed each cycle
Continuous and audit-ready — traceable trail on every case
Clinical authority
Stays with your MDs
Often blurred by adjacency
Stays with your MDs — excluded by scope
Time to measurable savings
12–18 months
6–9 months
~6 months

By role

Three seats at the table. Three different questions answered.

Operations leaders

Will we stop firefighting seasonal capacity?

Compliance leaders

Can the compliance team defend this in an audit?

Finance leaders

What does the math look like?

Resources

Evaluate on your timeline.

Not ready for the working session? Start with the resource that matches where you are.

Download

BPaaS ROI Playbook

How to model departmental TCO across Member Services, A&G and Provider Disputes. Includes the worksheet framework used in the readiness review.

Download

BPaaS vs. Traditional BPO

A side-by-side comparison for operations and compliance leaders evaluating outsourcing models for payer operations.

On-demand

Recorded Product Walkthrough

Watch a 15-minute overview of the BPaaS engagement model. Share with your evaluation team before the working session.

FAQs

What operations leaders ask before the readiness review.

How is Inovaare BPaaS different from a traditional BPO?

Traditional BPO is labor arbitrage layered on a service desk. Inovaare BPaaS is platform-led: AI agents handle the structured intake and evidence work; specialists handle judgment and quality. The contract is one accountable engagement and savings hold through volume and seasonality rather than collapsing when headcount is cut.

Does this make Inovaare a CMS-delegated entity?

It depends on scope. The default contract is standard scope. Inovaare handles administrative workflow: intake, triage, evidence gathering, communications and reporting. Clinical review and medical-necessity determinations stay with your medical directors. Under standard scope, Inovaare is not a delegated entity and stays outside the CMS delegated-entity definition.

Extended scope is opt-in and named in the contract. If a plan elects to include clinical decisioning, that function qualifies as a delegated activity. The engagement is then structured to match: functions, SLAs, audit cadence and reporting documented before go-live, so your compliance team can evaluate delegation risk before signing. Extended scope is never assumed.

What functions are in scope on day one?

Direct operations are Member Services, Appeals & Grievances and Provider Disputes — Inovaare staffs, manages and reports against your KPIs end-to-end. Claims, Utilization Management and Care Management are partner-extended under Inovaare program governance.

How long does onboarding take?

Approximately 90 days from contract to live operations. The workstream covers process discovery, SLA baselining, AI agent configuration, integration with your core admin systems, staffing transition and a parallel-run period before full cutover.

How is pricing structured — and why isn't there a list price?

The pricing model is outcome-aligned, per-department. No PMPM guessing. No FTE markup. No seat-based SaaS plus services. Cost moves with case volume and SLA outcomes rather than fixed headcount, which is what allows total cost of ownership to drop 30% or more across people, process and technology. There’s no list price because case volume, seasonality and the current TCO baseline are different for every plan; the readiness review produces a department-specific model so the number you take to your CFO is anchored in your own data.

What happens to our existing operations team?

A-players are retained under Inovaare payroll and redeployed onto your account where possible — preserving institutional knowledge, member relationships and continuity. Workforce continuity is treated as part of program governance, not a cost variable.

How is audit defensibility maintained when work moves off our books?

Every case carries a structured, version-controlled audit trail — intake source, classification, agent actions, specialist review, escalation path and resolution evidence. CMS rule changes are tracked centrally and applied across the workflow, so the audit posture stays consistent rather than drifting between teams.

Can we start with one function and expand later?

Yes. Many plans begin with one direct-operations function — commonly Provider Disputes or Appeals & Grievances — then add Member Services and partner-extended functions as the engagement matures. The platform, governance and reporting are shared, so expansion adds value without re-implementation.

See the number before you make the decision.

30-minute working session. We model your departmental TCO before the call so you walk in with real data.

    No commitment. 30-minute review with an operations specialist. Or email info@inovaare.com

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