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Prepayment integrity for supplemental health insurance.

Trestl bridges carriers and TPAs, every claim checked before payment.

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FY 2025, 6.55%. CMS
About 1 in 15 Medicare claim dollars paid improperly, even after Medicare’s prepayment checks.
  • Built for supplemental healthHospital Indemnity, Accident, Critical Illness
  • Pay only for findings you acceptRejected findings are never invoiced, and if a billed claim is later reversed, we credit you on your next invoice.
  • Security built in Encrypted, US-hosted, each client walled off, with a tamper-evident audit trail
  • Nothing to installWe connect to the systems you already run, and test on your own claims before any payment changes.

Before the money moves

Caught before payment, a wrong amount takes one decision. Caught after, it’s a recovery from the member, or an underpayment no one finds.

How it works

Most claims cross untouched. The rest go to your examiner.

Your systems, your authority, your examiners. Trestl does the checking in between.

  1. ConnectClaims, member and plan data, and the documents behind them: accident reports, clinical records, certificates and riders. From the TPA and the carrier, by SFTP or API.
  2. CheckBefore your payment run, Trestl’s proprietary algorithms check each claim against the member’s certificate and riders. Secure AI reads the documents behind it and connects details across claims, like one accident filed twice in different words. Matching claims pay on your usual schedule.
  3. ReviewHeld claims open in the TrussCheck prepayment workspace with the reason, what the plan pays, the claim history and the documents in one view. Every decision lands in a tamper-evident audit trail.
  4. Pay rightDecisions go back to the TPA, and the payment run pays what the plan owes, once. Members get what the plan promises: no repayment letters, no chasing what they’re owed.

Resources

Evidence for your next plan review.

Sourced analysis and evaluation guides for claims, finance and compliance leaders.

All resources

Guide

The TrussCheck™ prepayment workspace guide (opens in a new tab)

How prepayment review works, what your examiners see, how results and pricing work, and the steps of an engagement. One page.

The Manayunk Bridge’s concrete arches over the Schuylkill River, in Trestl’s colours.

Named for the bridge that carries the load. Our story

HAER PA-551-5, 1999. Library of Congress.

Before the first call

Questions buyers ask

Straight answers to what carriers and TPAs ask first.

Will prepayment review slow our payments?

Claims that match the plan pay on schedule. Only a claim that doesn’t match waits, with its reason, for your examiner’s decision.

What does integration ask of our IT team?

No software to install. Trestl collects files from your SFTP server or API, or you send them to ours, on an agreed schedule. Results come back the same way, with a webhook the moment they’re ready.

Does AI make the decisions?

No. Proprietary algorithms and AI agents do the first pass; AI-assisted reviews only raise items for review and never deny a claim. Your examiners make every decision.

How is Trestl paid?

You pay only for findings your team accepts. A rejected finding is never invoiced, and a partly accepted one bills only the amount you confirm. If a claim we’ve billed is later reversed in your claims system, we credit it on your next invoice.

We already work with a payment integrity vendor. Where does Trestl fit?

Trestl’s checks are written for supplemental health’s fixed benefits, not borrowed from major medical, and run before payment, alongside the systems you already use.

More questions buyers ask How an engagement works: the workspace guide (PDF, opens in a new tab)

See what your claims should have paid.

A 30-minute call about your lines and how claims are paid today. No claim files or health information needed.

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