Musculoskeletal (MSK) conditions remain one of the most expensive and volatile drivers of claims for fully insured health plans. Despite significant investment in traditional physical therapy and utilization management, it’s clear that MSK surgery rates continue to drain health plan budgets.

This whitepaper presents a claims-based analysis of Thrive’s impact on MSK spend in fully insured plans. Using the highest industry standards of matched cohorts and difference-in-differences methodology, the study evaluates how shifting care away from high-cost surgical pathways affects utilization and total cost.³ 

Download the full whitepaper to learn how Thrive’s expert-guided, home-based AI Care delivers a 3.7x ROI within a single plan year for fully insured member populations.³

What this whitepaper helps you evaluate

Whether reducing avoidable MSK surgeries can deliver defensible, near-term ROI for fully insured plans without increasing clinical, financial, or operational risk.

Key learnings inside the whitepaper

• Why reduced surgical utilization is the primary driver of MSK savings in fully insured plans²
• How changes in downstream utilization contribute to predictable, within plan-year ROI
• What member outcomes and engagement data indicate about adherence and durability⁴
• How to interpret these results within the constraints of fully-insured plan design and risk exposure