The architecture for the future

The Four Layers of Every Intelligent Enterprise

Every intelligent enterprise is built on four layers.

HealthAxis unifies them for healthcare.

Layered platform architecture
1M+ transactions / day
99.99% platform uptime
30+ AI agents
250+ automated workflows
Six connected workspaces
65+ Health plans powered
16+ patents
5M+ payments / day
60+ yrs in healthcare
5 deployment models
Petabytes of data managed
24×7 security operations
1M+ transactions / day
99.99% platform uptime
30+ AI agents
250+ automated workflows
Six connected workspaces
65+ Health plans powered
16+ patents
5M+ payments / day
60+ yrs in healthcare
5 deployment models
Petabytes of data managed
24×7 security operations

Healthcare digitized every operation.
But the enterprise stayed fragmented.

Health plans have automated claims, enrollment, billing, care, and more — yet functions remain siloed. AI PASS connects the enterprise, bringing intelligence, context, and action together across the health plan.

TODAY

Disconnected systems

CLAIMS
PBM
CARE MANAGEMENT
REVENUE CYCLE
PROVIDER SERVICES
ANALYTICS
MEMBER SERVICES
QUALITY
IT & INFRASTRUCTURE
  • MEMBERConfusing Journeys
  • PROVIDERManual Work & Delays
  • PLANSiloed Data & Inefficiency
  • EMPLOYERLack of Clarity & Control
  • REGULATORReporting Burden
TOMORROW

One intelligent enterprise

ENTERPRISE HEALTHCARE
OPERATING SYSTEM

Four layers.
One intelligence
connecting them all.

Foundation. Operations. Intelligence. Experience. Four distinct layers. One connected way of working. AI PASS carries intelligence across the enterprise, turning information and capabilities into a health plan that can understand, decide, and act as one.

THE CORE

Foundation

A unified data foundation beneath the enterprise. Member, provider, claims, and care data come together so every workspace works from the same information — creating the continuity needed for connected decisions and intelligent operations.

DATA FABRICINTEGRATION FABRICSECURITY & TRUSTCLOUD-NATIVE INFRASTRUCTURE
AND YOU TAKE IT A LAYER AT A TIME

Start with one layer. The architecture stays connected throughout.

Choose the workspace that addresses your most expensive challenge and deploy it alongside your existing environment, with the underlying architecture remaining intact.

One workspace or all six

Whatever you start with reads and writes the same record. The second one you add is a configuration job, not another integration.

Standards, not middleware

FHIR R4 and R5, HL7, X12 EDI, SMART on FHIR, Da Vinci and event APIs ship with the platform. Nothing to build in the middle.

Five deployments, one architecture

SaaS, private cloud, your own cloud, hybrid or on-premise. Your compliance posture picks the model; the platform does not change underneath it.

SUPPORTED NATIVELY AT THE INTEGRATION FABRIC
FHIR R4 & R5HL7 V2 / V3X12 837 / 835270 / 271 / 276 / 278C-CDASMART on FHIRDa VinciOAuth 2.0 / OIDCLOINCREST & Event APIs

AI PASS turns connected data
into intelligence, and intelligence
into action.

AI PASS is the intelligence engine at the heart of the Enterprise Healthcare Operating System. It continuously observes, understands, predicts, and recommends across the enterprise — turning real-time context into action through CAPS, then learning from the outcome. Decisions happen in milliseconds, across petabytes of healthcare data, with a reason behind every one.

PBsof data
processed
ML / AImodels at
scale
Real-timedecisions in
milliseconds
Governedsafe, ethical,
explainable
AI Pass
AI Pass

Six data domains — member data, provider data, claims and encounters, pharmacy data, financial and operational, and external and social drivers — feed the AI PASS engine, which returns better member experience, better care outcomes, higher operational efficiency, lower cost to administer, and stronger compliance and trust.

One solution.
And one place everyone
sees it.

Most AI arrives as an attachment. AI PASS arrives as the architecture. The intelligence core sits at second layer, reasoning across every signal in the system. At the third layer, reasoning lands: HealthOS as the health-plan application suite, CAPS as the transaction core turning decisions into secure, auditable action. Four layers, one surface — the dashboard, in front of whoever needs it.

ENABLING ECOSYSTEM PARTNERS

Cloud & InfrastructureSecure. Scalable. Always available.
Technology PartnersAPIs, AI models, and innovation.
Care PartnersProviders, networks, and care organizations.
Data PartnersData sources and insights at scale.
Payor PartnersHealth plans and benefit organizations.
Government PartnersPublic health and regulatory bodies.
Global PartnersExpanding access. Improving lives.

One ecosystem. Infinite possibilities. Better care for all.

Layer 02 — Intelligence

The AI PASS core

From data to decisions, continuously — governed, explainable and safe. A closed reasoning loop that never stops learning, running across every layer above and below.

01 Observe02 Understand03 Predict04 Recommend05 Execute06 Learn
Reasons overMember, eligibility & enrollmentProvider, network & contractsClaims, encounters & pharmacyFinancial, clinical & social drivers
How it reasonsNLP & generative AIPredictive & decision intelligenceEnterprise knowledge graphGuardrails & human-in-the-loop
30+AI agents
250+Automated workflows
Real-timeInference & scoring
Layer 03 — Operations

HealthOS + CAPS

Where intelligent decisions become secure, compliant action. HealthOS is the application suite the plan works in; CAPS is the transaction backbone the whole enterprise runs on, built on the AxisCore administrative engine.

01 Automate02 Validate03 Secure04 Monitor
What it runsThe full HealthOS application suiteStraight-through claims processingRules, edits & payment integrityEligibility, enrollment & benefitsProvider, pharmacy & finance
How it protectsZero-trust security modelFull audit trail on every actionReal-time operational controlsMulti-region resilience
96%Straight-through processing
97.6%First-pass accuracy
99.99%Uptime
What you get

Inside the AI PASS offering

01The Foundation

Unified data fabric, FHIR and X12 interoperability, zero-trust security and five deployment models.

02HealthOS + CAPS

The full health-plan application suite over a transaction core that adjudicates, pays and reconciles at scale.

03The AI PASS core

30+ purpose-built agents, predictive and generative models, the knowledge graph and the governance around them.

04The Experience

Member, provider, employer and partner journeys, omnichannel service and the Executive Copilot.

Adopt the whole enterprise or start with a single layer. Because every layer shares one data model and one governance model, what you add later shows up in the same views your teams already use.

The Intelligent
Health Plan Flywheel

Intelligence turns data into action. Trust makes it usable at scale.

Better outcomes

Healthier members. Better quality.

Greater trust

Transparent. Reliable. Secure.

Stronger loyalty

Members stay. Providers engage. Employers renew.

Sustainable growth

Lower medical loss. Higher efficiency. Profitable growth.

Better for members

Personalized, effortless, and equitable experiences.

Better for providers

Simplified workflows, faster decisions.

Better for employers

Lower costs, better outcomes, healthier populations.

Better for the business

Operational excellence, sustainable growth.

The flywheel never stops. It gets smarter, faster, and more valuable over time.

Better careLower costsOperational excellenceA healthier world
One intelligent system.Endless impact.

Every role.
One connected view.

This is what the four layers look like in practice. AI PASS turns connected data into real-time intelligence and action for every role — while each experience is powered by the operations and foundation beneath it.

Command Center

Real-time intelligence. Unified visibility. Confident decisions.

HEALTHAXIS COMMAND CENTER

All lines of business⌄

Members

18.7M

▲ 3.2% vs PY

Medical Loss Ratio

84.6%

▼ 2.4 pts vs PY

Total Spend

$4.28B

▲ 1.8% vs PY

Quality (HEDIS)

4.2

▲ 0.3 pts vs PY

Member NPS

72

▲ 6 pts vs PY

Care Gaps Closed

312K

▲ 18.4% vs PY

Member growth trend

Total members

18.7MJanFebMarAprMayJun

Spend breakdown

By LOB

$4.28BTotal
Medicare38%Commercial32%Medicaid16%Pharmacy8%Specialty4%Other2%

Quality over time

HEDIS score

3.64.04.23.74.14.23.94.1Q2 '23Q1 '24Q4 '24

Top risks & alerts

EDI 837 batch latency — 2.3s above SLA

HIGH

Duplicate claim cluster detected (47 claims)

MEDIUM

Nightly reconciliation complete — 0 exceptions

LOW

Provider roster mismatch — Bayshore Health Group

MEDIUM

AI insights

Premium PMPM trend on trajectory with expected growth.

View

Members at risk of readmission: 1,842

View

Opportunity: close 8 care gaps this quarter.

View

Coding identified 6 care gap candidates.

View

Recent decisions & actions

Approved auto-adjudication rules

May 20

Launched diabetes care campaign

May 18

Increased behavioral health access

May 15

Implemented prior auth automation

May 12

Complete Visibility. Better Outcomes.

Enterprise visibility

360° Member View

Complete member health

360° Provider View

Provider performance

Care Intelligence

Population health

Financial Intelligence

Real-time financials

Quality Intelligence

HEDIS & quality

Operational Intelligence

Workflow performance

Illustrative product views. Figures are representative of a mid-size plan and are configured per client.

One operating system for healthcare. Every function. Every day.

What actually changes when
the enterprise runs as
one system.

The numbers below are representative ranges, not projections. Where you land depends on your starting point. We establish your baseline first, then model the opportunity from there.

20–40%Lower administrative cost

Automation takes out the rework, the manual touches and the reconciliation nobody ever budgeted for.

30–50%Faster cycle times

Straight-through processing validates and prices in a single pass; exceptions route to a person instead of into a queue.

2–3xProductivity improvement

The same team handles more work, with fewer errors turning up downstream three weeks later.

95%+Accuracy & compliance

Every automated decision logged in a complete, audit-ready trail — not reconstructed after a finding.

96%Straight-through processing

Clean claims clear without a human touch, so people spend their day on the genuine exceptions.

30–60%Lower cost to operate

For TPAs and risk-bearing entities managing delegated risk without the staff of a full health plan.

65+Health plans powered
60+Years in healthcare
97.6%First-pass claim accuracy
2.4dAverage claim turnaround
99.99%Platform uptime
Better care. Smarter operations. Stronger futures.

Built for the organizations
that carry the risk.

Health plans, TPAs, provider organizations, employers, PBMs and government programs all run on the same platform — each with the workspace, data access and controls their model demands.

Health Plans

Medicare Advantage, Medicaid managed care and commercial lines, all on one system.

TPAs

Multi-client administration handled through configuration instead of custom code.

Provider Organizations

Value-based care enablement, and revenue integrity that holds up.

Employers

Transparent benefits management, and cost control you can actually act on.

Pharmacy Benefit Managers

Formulary, authorization and Rx claims sharing the same data model.

Government Programs

Modernization with compliance and reporting built in from the start.

The reference material
behind the platform.

Drawn from running healthcare administration at production scale — architecture, interoperability, AI governance, and operating benchmarks, kept current as the standards and regulation around them change.

  • Architecture
  • Interoperability
  • AI governance
  • Operating benchmarks
Start the conversation

Ready to run the
intelligent health plan?

See AI PASS on your own data. In a 30-minute walkthrough, explore the four layers, the experiences they power, and the numbers behind the opportunity.

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