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A medical team on your side

You paid for insurance.
You shouldn’t have to
fight for care.

Balto fights denials, challenges bills, helps lower medication
costs and finds care that fits.

We’ll take it from here.

Let Balto handle it

Looking out for your workforce? Balto for Employers

Healthcare by the numbers

Healthcare is costing too much.

  • 11% Projected health benefit cost growth 2027 employer forecast · before cost controls
  • >1,000% Markups on selected medications 22% of specialty generics studied · FTC
  • 18% Payment denials that should have been paid Medicare Advantage · HHS review of 2019 denials
  • <1% Of denied claims appealed HealthCare.gov plans · 2024 internal appeals
  • 29% Delayed or skipped care over cost Adults with employer coverage · 2023 survey
Healthcare by the numbers

Sources & context

These figures come from separate studies, populations and periods. The 18% payment-denial finding concerns Medicare Advantage; the appeal rate concerns HealthCare.gov plans.

11%

Projected health benefit cost growth

Employers projected 11% health benefit cost growth for 2027 before cost-control changes.

Marsh / Mercer · September 2026
>1,000%

Markups on selected medications

On 22% of specialty generic drugs studied at pharmacies owned by the three largest pharmacy benefit managers, markups exceeded 1,000% above estimated acquisition cost.

FTC staff report · January 2025
18%

Payment denials that should have been paid

HHS found that 18% of denied Medicare Advantage payment requests met both Medicare coverage and insurer billing rules.

HHS Office of Inspector General · April 2022
<1%

Of denied claims appealed

Consumers appealed fewer than 1% of denied in-network claims reported by HealthCare.gov insurers in 2024.

KFF · 2026 analysis · 2024 Marketplace data
29%

Delayed or skipped care over cost

Of adults with employer coverage surveyed in 2023, 29% said they or a family member delayed or skipped needed care or prescriptions because of cost.

Commonwealth Fund · 2023 affordability survey

in healthcare savings and recoveries

Meet people who didn’t have to fight alone.

*Based on the estimated value of healthcare savings and recoveries for Balto patients.

Patient stories

What it looks like when Balto fights for you.

  • A smiling couple embracing outside a house

    Avoided $3,950 in 6 months

    Family care costs

    “Our family has avoided $3,950 in copays and unnecessary visits in our first 6 months of membership.”

    Toni, 39, and Elan, 39

  • A man in a red shirt with his son on his shoulders at a football stadium

    Urgent refill, solved fast

    Urgent medication

    “My son needed a critical medication right before a weekend and Balto came through for us. We got what we needed fast.”

    Daniel, 37

  • A smiling couple posing together at an evening event

    Saved $1,000+ in month one

    Copays and medications

    “In our first month with Balto, we saved over $1,000 in copays and medication costs.”

    Arielle, 42, and Jeremy, 42

  • A smiling woman with short hair in a black lace top

    Saved $4,788 this year

    Medication costs

    “I’ve saved almost $4,788 this year alone on my medications, thanks to Balto.”

    Cheryl, 74

  • A man in a dark sweater looking at the camera

    Two bills cut by over 90%

    Medical bills

    “My bloodwork bill came back at almost $4,000, and imaging was $3,706. Balto got those down to $276.80 and $372. Not bad for a dog.”

    Kevin, 42

  • A smiling man in a dark blazer and white shirt

    Advanced heart scan analysis

    Specialist care

    “My health system couldn’t offer the AI plaque analysis I wanted. Balto got me a cleerly analysis of my heart scans.”

    Steve, 68

  • A woman smiling on a video call on a laptop

    Specialist visits made easy

    Care navigation

    “I’m healthy and don’t deal with doctors often, so navigating my specialist visits after an injury was complicated and scary. Balto made it easy.”

    Wendy, 30

  • A person holding a smartphone

    Thousands saved in copays

    Doctor access

    “Being able to reach a doctor so easily has saved us hours of worry and easily thousands of dollars in copays.”

    Tammy, 41

Insurance is counting on you giving up

You’re doing what you’re supposed to.

You pay your premiums.

You see your doctor.

You follow the rules.

You shouldn’t have to fight for every dollar you’re owed!
Getting care shouldn’t have to be a second job.

We’ll take it from here
A woman looking frustrated next to a tall pile of medical bills and a denied claim, on hold on the phone
We’ll take it from here
The work that lands on you

The denial machine is built to make you give up.

01

Decode the rules.

Untangle policy exclusions, billing codes and authorization requirements.

02

Build the case.

Gather records across doctors and match the medical evidence to your coverage.

03

Keep fighting.

Coordinate providers and insurers, meet appeal deadlines and challenge the next rejection.

That is the work Balto takes on.

Our medical team builds the case and handles the fight and follow-through.

What we take on

We take on the fights the Healthcare system expects you not to.

TEAM

Meet your Doctors & Health Experts

Our doctors and nutrition team work together to help you achieve your health goals.
Doctors licensed where you live

Every healthcare professional on our platform is licensed to practice in all 50 states and Washington, D.C.

Evidence-based medicine guides your care

Our approach is grounded in the latest peer-reviewed clinical trials and best practices.

Support at every step

From your first visit to whatever comes your way, you’re always just a message away from the help you need.

You’ve done enough chasing. We’ll take it from here.

Start with a consultation with our medical team.

Let Balto handle it