The universal payer rail for wellness
WellPort is the infrastructure layer between everyone funding wellness and everywhere it's delivered. Configure programs in plain English. Decide every event in real time. Settle and reconcile automatically — with full audit trails.
AI agents powering the decision and settlement layer between payers and providers
Billions in wellness funding, and no rails to run it on.
One decision and settlement layer for wellness spend
Insurers, employers, and public bodies all fund wellness. Gyms, studios, and platforms all deliver it. WellPort is the neutral layer in between that makes the money move correctly.
Decisioning
Program rules become executable logic. Every usage event — a visit, a class, a purchase — is adjudicated in real time against eligibility, limits, and coverage. Deterministic, consistent, and explainable.
Same input, same decision, every time.
Settlement and audit
Approved events flow into settlement automatically. Providers get paid on schedule, payers get clean reconciliation, and every decision is logged with a full audit trail — including the records tax and compliance teams need.
Built for regulated money movement.
What runs on the rails
The core capabilities every payer-funded wellness program needs — delivered as one infrastructure layer.
Program configuration
Define benefit programs in plain English — coverage, limits, eligibility, dates. WellPort converts them into executable rules. No custom builds per program.
Real-time decisioning
Every usage event is adjudicated the moment it happens. Approved, partial, or declined — with a machine-readable reason attached to every decision.
Settlement orchestration
Approved events roll into settlement cycles automatically. Providers are paid on schedule, payers get statements that reconcile to the cent.
Visit and outcome data
Usage, attendance, and — with member consent — health outcome signals flow back to payers. Funding decisions grounded in real-world activity.
Audit and reporting
Every decision logged and explainable. Audit trails, tax records, and compliance reporting generated as a by-product of the rails — not an afterthought.
How it works
From program configuration to settlement — one continuous loop.
A payer configures a program
Coverage, limits, and eligibility defined in plain English. WellPort converts the policy into executable rules.
Members are enrolled
Eligibility rosters sync in, and members connect through the payer's existing channels.
Usage events flow in
Visits, classes, and purchases arrive from providers, platforms, and linked payment cards.
Every event is decided in real time
Adjudicated against program rules in milliseconds — approved, partial, or declined, with a reason attached.
Settlement runs automatically
Approved events roll into settlement cycles. Providers are paid, payers get reconciliation that matches to the cent.
Data closes the loop
Usage, spend, and consented outcome signals flow back to payers — so programs improve with every cycle.
AI sets up the rails. The rails run deterministically.
Benefit programs are written by humans in policy documents. WellPort's AI reads those documents, extracts the rules, and converts them into structured logic. The engine that runs those rules stays deterministic and auditable — same input, same decision, every time.
Ingest program documents
AI reads and interprets benefit program documents, converting messy human-defined rules into structured, executable logic.
Convert rules to logic
Program rules become automated decision flows. No manual configuration, no spreadsheet mapping.
Learn from outcomes
Every override, dispute, and audit improves the system. A data flywheel where decisions get better over time.
Deterministic and auditable
While AI handles complexity, decisioning and settlement remain deterministic. Every decision is logged and explainable.
Why existing solutions fail
There is no neutral layer that standardises how payer-funded wellness actually works. WellPort is the decision and settlement layer beneath them all.
Aggregators
Own experience and access
Not infrastructure
Platforms
Own operations and members
Not payer logic
Payment processors
Move money
Not decisions
WellPort
The neutral decision and settlement layer. This allows partnership today and structural advantage over time.
What is WellPort?
WellPort is infrastructure for payer-funded wellness. It connects everyone who funds wellness — insurers, employers, and public programs — to everywhere wellness is delivered, and handles the rules, decisions, money movement, and records in between. Think of it as the shared rail that any wellness funding program can run on.
What does WellPort do?
WellPort does four things: eligibility verification, rule-based adjudication, settlement orchestration, and audit-grade reporting.
- Eligibility verification — confirms a person is covered by a program before anything is funded.
- Rule-based adjudication — applies each program's rules (caps, visit limits, covered activities) to every event and decides in real time.
- Settlement orchestration — moves money from payers to providers automatically once a decision is made.
- Audit and reporting — writes an explainable record of every decision, so spend is always reconcilable.
Who is WellPort for?
WellPort is for insurers, employers, and government prevention programs that fund wellness — and for gym networks, benefit administrators, and digital health platforms that deliver it. Payers get rules, decisions, and proof. Providers get paid automatically for verified visits and activities.
How does WellPort work?
An event comes in — a verified activity or check-in. WellPort applies the program's rules: eligibility, caps, and visit limits. The money moves from payer to provider. An auditable record is written. Same input, same decision, every time — with a full trail from budget to outcome.
Frequently asked questions
What is WellPort?
WellPort is infrastructure for payer-funded wellness. It is the universal payer rail that turns insurer, employer, and public wellness budgets into real-world action — handling eligibility, adjudication, settlement, and reporting between payers and wellness providers.
Is WellPort a payments company?
No. WellPort is decisioning and settlement infrastructure. Payments are one output of the system: WellPort verifies eligibility, applies program rules to each event, and then orchestrates the movement of money with a full audit trail. The rules and records are the product; the payment is the result.
How is WellPort different from a corporate wellness platform?
Corporate wellness platforms sell content and engagement to employers. WellPort is the neutral rail underneath any funded wellness program — from any payer, to any provider. It does not run programs or produce content; it decides, settles, and reports on wellness spend so any program can run on top of it.
What programs can WellPort automate?
Any rule-based wellness funding program. Concrete examples include per-visit gym reimbursement funded by insurers, employer fitness subsidies with monthly caps, public prevention programs with eligibility criteria, and provider networks that need automated settlement across many payers.
Who uses WellPort?
Insurers, employers, and government prevention programs use WellPort to fund wellness with rules and proof. Gym networks, benefit administrators, and digital health platforms use it to get paid automatically for verified visits and activities.
How does a reimbursement actually work on WellPort?
An event comes in — for example, a verified gym check-in. WellPort checks eligibility, applies the program's rules (caps, visit limits, covered activities), decides in real time, moves the money, and writes an auditable record. Same input, same decision, every time.
Do payers or providers need to build integrations?
WellPort is API-first, but payers can configure programs in plain English without engineering work. Providers and platforms connect once to the rail and can then settle with every payer on it — instead of building a separate integration per program.
The infrastructure layer payer-funded wellness has been missing
Decisioning, settlement, and audit — one set of rails between every payer and every provider. We're working with early design partners now.