Validated Savings Through Advanta’s Wellness Incentive Program

A wellness platform built for participation, across every shift, department, and activity level.

Validated Savings Through Advanta’s Wellness Incentive Program

A third-party analysis confirmed Advanta’s program significantly reduced medical loss ratios across engaged client groups.

Overview

Advanta Health Solutions received third-party validation from the Validation Institute for achieving measurable healthcare savings through its wellness incentive program. This independent review confirms our program’s ability to drive cost reductions by improving member engagement and long-term health outcomes.

Objective

To validate that Advanta’s wellness incentive program delivers meaningful cost savings by reducing the medical loss ratio (MLR) among participating employer groups.

Methodology

The Validation Institute conducted an independent evaluation using claims data from a large Health Insurance Fund in New Jersey.

Key features of this methodology:
  • Full inclusion of all client groups within the fund
  • Analysis at the group level, avoiding individual participation and survivor bias
  • Use of matched control groups (non-participating clients with similar demographics and insurance plans)
  • Elimination of common errors like regression to the mean and selection bias

Findings

Proven Cost Reduction

Groups participating in Advanta’s wellness program demonstrated consistent and significant reductions in MLR

Impact Beyond Engagement

These savings exceeded what could be attributed to engagement rate alone, suggesting a broad-based impact across the population

Independent of Demographics

The outcomes were not driven by social determinants of health, as income, education, and access to care were comparable across cohorts

Validation Outcome – The Validation Institute formally certified Advanta’s program for:

Advanta Health Solutions’ Wellness Incentive Program has been independently validated by the Validation Institute for delivering measurable healthcare savings. As part of their Credibility Guarantee Program, the Validation Institute offers up to a $100,000 guarantee to back the accuracy of this validation.

What This Validation Means

  • Program Validation
    Strong evidence confirms the program drives meaningful impact on both outcomes and costs, independent of participant selection bias.
  • Savings
    Demonstrated ability to reduce healthcare spending per participant or across entire populations.
  • Outcomes
    Clear, measurable improvements in key health and business metrics (e.g. risk reduction, chronic condition management, retention).
  • Metrics
    Validation based on credible data sources and sound assumptions.
  • Contractual Integrity
    Advanta’s contract structure meets industry standards for transparency and accountability.

Conclusion

This validation confirms the effectiveness of Advanta’s incentive-based wellness programs. By applying rigorous, evidence-based design and engagement strategies, we help our partners improve population health and reduce costs—with proof you can trust.

Independently Validated “Best In Class” for User Interactions & Engagement

2023 Validation Report: Findings & Validation

By way of background, the wellness industry is known for two things:

  • Low engagement, which is why the industry as a whole is shrinking and consolidating, with Interactive Health entering Chapter 7 and Limeade being acquired for 90% less than its peak stock price
  • Serious integrity issues when it comes to presenting outcomes. Here is the earliest example. An entire website is devoted to identifying the fabricated outcomes made by vendors. (Just enter the name of a vendor in the “search.”)
  • As a result and because of our unique Credibility Guarantee, wellness vendor and wellness platform vendors require extra scrutiny before validation is conferred. That is why even though wellness and platform vendors comprise the plurality of all vendors, they account for only a small minority of validations.
  • Having performed this scrutiny, VI is able to confer validation on Advanta for member engagement for two key metrics:
  • Advanta has the highest ratio of active users to enrolled users that we are familiar with. For the full year of 2022, 65% of all enrolled users completed at least one activity.
  • Advanta also has the highest number of interactions (181) per active user that we have seen.

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