Health plan operations run on infrastructure built for a different era. Claims flow through 10-15 disconnected systems (intake, adjudication, stop-loss, payment integrity), most still running COBOL-era platforms with incompatible formats.

The result: 50% of claims require manual intervention, costing the industry $20-30B annually in avoidable rework. We started Amera after seeing how this fragmentation blocks innovation. Cash-pay plans, direct primary care, reference-based pricing: modern benefit designs that could meaningfully reduce costs can't scale because existing systems weren't built to handle them. Payors spend hours manually reconstructing claims from itemized bills and receipts, while stop-loss carriers wait weeks for data that should flow automatically.

The solution isn't replacing these systems. It's building the data layer that connects them. Amera ingests any claim or claim-like document (EDI, PDFs, receipts, card transactions), converts it into structured data, and outputs exactly what each downstream system needs. We're the translation layer that enables automation without requiring infrastructure replacement.

Today, we're solving the intake and normalization problem: converting non-standard claims into standardized data that existing systems can process. This delivers immediate ROI for payors supporting modern plan designs while establishing us as the system-of-record for plan operations. Tomorrow, we're building the real-time coordination layer that turns fragmented claims workflows into an integrated operating system for health plans.