Prepayment Integrity for Voluntary Benefits
Accuracy Before Payment
Trestl validates Hospital Indemnity, Accident, and Critical Illness claims before payment — catching overpayments, duplicates, and fraud that post-pay recovery never finds.
Why Trestl
Supplemental Benefits Finally Has a Prepayment Standard.
No market-standard prepayment audit layer exists for voluntary lines. The entire industry operates post-pay by default. Trestl changes that.
Market Scaling Fast
ACC, HIP, and CI grew 10-12% in 2023-2024. Every new policy is a new opportunity for errors to compound.
No Prepay Standard
No market-standard prepayment audit exists for supplemental lines. TPAs are optimized for speed, not integrity.
FWA Migration
As major medical detection matures, organized fraud migrates to supplemental lines where controls remain immature.
The Trestl Difference
Supplemental Specialist
HIP, ACC, and CI cert logic is native — not a plugin. Plan configurations, benefit schedules, EDF multipliers, and staging rules are first-class concepts, not afterthoughts.
Pre-Payment First
Every claim is validated before payment clears. Edits fire at the point of adjudication — not 90 days later in a recovery workflow. No chase, no write-offs.
Prospective FWA Analysis
Prepay rules catch configuration and calculation errors. Prospective analysis catches what rules can't: emerging fraud patterns, member-level schemes, and coordinated duplicates — identified before they scale.
Products
Two Lines of Defense
Prepayment integrity catches configuration and calculation errors before payment. Prospective FWA analysis catches what rules can't — before it scales.
Prepayment Integrity
Audits every claim line before payment is issued — catching calculation errors, policy violations, and duplicate submissions across Hospital Indemnity, Accident, and Critical Illness products.
What it catches
Overpayments
Claims paid above contracted amounts — rate errors, wrong benefit tiers, incorrect multipliers.
Underpayments
Members receiving less than they're owed — we flag both directions, correcting benefit ledgers and reducing provider abrasion.
Processing errors
Duplicate submissions, utilization limit breaches, waiting period violations, and diagnosis mismatches — caught before payment clears.
AI-assisted flags, built in. Accident reports are semantically compared to detect duplicate incidents. Critical Illness clinical documentation is independently reviewed by AI before payment.
Prospective FWA Analysis
Surfaces fraud, waste, and abuse that rule-based systems miss — member-level schemes, coordinated duplicates, and emerging vectors identified before they scale into material losses.
What it catches
Emerging pattern detection
Identifies coordinated schemes and trending fraud vectors across your claims population before they become material losses.
Member-level fraud targeting
Pinpoints bad actors at the member level — surgical termination that stops fraud without sacrificing the carrier-employer relationship.
Retrospective analysis
Works on historical claims data to surface patterns that only become visible over time, complementing prepayment controls.
Guaranteed findings. Share your historical claims data and we will return documented errors and FWA flags. In any meaningful claims dataset, they are there — we find them.
The Full Circle Effect
How Trestl Compounds Your Advantage
Prepayment accuracy creates a virtuous cycle that strengthens your market position over time.
Trestl Prepayment
Catch errors before they become overpayments. No recovery needed, no abrasion caused.
More money
stays with you
Lower Loss Ratio
Fewer overpayments = better margins
Competitive Rates
Price aggressively, win more RFPs
Better Relationships
No recovery calls, happier members
Market Growth
More lives = more claims to protect
Ready to find out?
Guaranteed findings in your claims data.
Share a historical file and we return documented errors and FWA flags before a single live claim is touched.
Request a DemoHow It Works
From Claims File to Savings in Minutes
Trestl fits into your existing claims workflow — batch file, API, or historical data file — and returns documented findings with actionable edits.
Ingest Claims
Batch file upload, API integration, or direct TPA feed — however you move claims, we accept them.
Validate
Every claim line runs through our validation engine and analysis. Results stream in real time.
Review & Resolve
Flagged claims are triaged by type and severity. Your team reviews edits in our portal or your own systems.
Return & Report
Corrected claims flow back to your adjudication system. Savings are documented and tracked.
Typical onboarding
First validators production-ready ~4 weeks after data onboarding
Analyst Review Platform
OptionalAn RBAC-enabled portal that aggregates fired edits and prospective FWA flags in one place. Role-based views for analysts, managers, and carriers — each sees their scope. Alternatively, edits can be delivered directly into your payer/TPA system via API.
Security & Compliance
Healthcare-Grade Security, Built In
Claims data demands the highest standards. Trestl is designed from the ground up for HIPAA compliance and SOC 2 readiness.
HIPAA Compliant
End-to-end PHI encryption at rest and in transit. BAA available.
SOC 2 Ready
Continuous monitoring with enterprise-grade access controls and audit logging.
Complete Audit Trail
Every data access, every edit decision, every export — logged and queryable.
Multi-Tenant Isolation
Row-level security ensures complete data separation between carriers.
Role-Based Access
Granular permissions for analysts, managers, and carrier administrators.
US Data Residency
All data stored and processed in US-based Google Cloud infrastructure.
Get Started
Request a Demo
See how Trestl can reduce payment errors and improve your loss ratio on voluntary benefit lines.