Catilize Health^®
Stop Overpaying For Healthcare Discover the SIHRA^® Advantage, the Proven Alternative to Traditional Health Plans

For decades, hospital employers have been squeezed by skyrocketing employee healthcare costs—now $15,000–$30,000 per person each year, quickly swelling into millions for larger corporations. Frontline staff—nurses, technicians, support personnel—are under pressure: a Forbes article finds 62% living paycheck to paycheck¹, and with high-deductible plans becoming the norm and out-of-pocket expenses of $4,000–$6,000 or more, families face significant financial strain. CFOs and HR leaders see renewal rates climb, budgets tighten, and employee morale affected. The status quo cannot continue.

SIHRA^® seizes the “low-hanging fruit” of duplicate-spouse coverage—identifying employees who qualify under a working spouse’s plan and incentivizing them to switch. Once enrolled in their spouse’s employer plan, qualified out-of-pocket costs for employees and their families is reimbursed at 100%, eliminating that cost burden entirely.

“SIHRA^® cuts employee healthcare spending by 15-50% without shifting any financial burden onto employees— eliminating all out-of-pocket costs to empower healthier, more financially secure staff while delivering predictable savings and stability to healthcare organizations,” says Craig Lack, CEO of Catilize Health^®.

SIHRA^® redefines healthcare risk financing: predictable, sustainable, and compassionate—finally putting hospitals in control and ensuring employees get the care they deserve. SIHRA^® not only arbitrages risk but generates meaningful cash flow from domestic utilization every year going forward.

Perfected Over Decades, Unmatched Excellence

Inspired by founder Kevin O’Kane’s vision in 2000, SIHRA^® has been Catilize Health^®’s singular focus. Through meticulous refinement, rigorous testing, and demonstrated success, Catilize has mastered the SIHRA^® concept into the industry’s leading high-financial-cost-reduction solution for healthcare organizations—making Catilize the only U.S. company exclusively administering SIHRA^® for more than 20 years.

“Two decades of experience helped us perfect SIHRA^®—cutting employer costs by 15–50% and delivering 100% benefits to employees.”— Craig Lack, CEO, Catilize Health^®

Over one hundred hospitals and systems have trusted SIHRA^®, saving millions in healthcare spending. SIHRA^® turns everyday care needs into financial wins. By optimizing duplicatespouse coverage, it empowers families to access essential care while providing hospitals with a sustainable cost-reduction and revenue-earning tool—reinvesting cost savings into patient care, infrastructure, and strategic priorities.

“The critical edge SIHRA^® holds over traditional plans is simple: increased profit and surplus—not hypothetical, but guaranteed.” — Craig Lack, CEO, Catilize Health^®.

• Domestic Claims: An employee’s surgery remains in-network but is billed to the spouse’s insurer at full commercial rates—converting an internal cost into new revenue.

• 340B Pharmacy Program: Specialty medications dispensed through 340B follow the same path, generating additional income when covered and billed via the spouse’s plan.

“SIHRA^® changed my life—I can now afford prescriptions, avoid debt, and finally save for my family’s everyday healthcare needs.”— Licensed Vocational Nurse, California hospital.

From Financial Risk to Financial Resilience

Hospitals face high-stakes exposure under traditional plans—think $2.5 million NICU claims, $1 million specialty medication, costly fertility treatments, or other large hospital costs—often shouldering a hefty stop-loss deductible before coverage kicks in. That volatility threatens hospital budgets, reserves, and stability.

SIHRA^® flips the script, converting hospitals’ financial vulnerability into rock-solid resilience. For example, by replacing a $1 million stop-loss deductible with the 2025 ACA out-of-pocket maximum of $9,200 under SIHRA^®, hospitals avoid $990,800 in exposure on a single $2.5 million NICU claim. When that $2.5 million bill is then submitted to the spouse’s insurer at full commercial rates, employee out-of-pocket costs disappear, and the hospital converts the expense into new revenue – real actual cash flow.

Why CFOs and HR Leaders Prefer SIHRA^®

SIHRA^® transforms hospitals from constant financial risk to enduring financial strength—enabling a focus on what matters most: delivering exceptional patient care and building healthier communities.

• Significantly reduce annual healthcare spending: Traditional healthcare plans run $15,000–$30,000 per employee; SIHRA^® cuts that to $3,500–$6,500 per employee.

• Generate new revenue: Domestic claims billed via spouse plans transform costs into hospital revenue.

• Ensure budget certainty: Hospital claim liability limited to out-of-pocket costs, which lowers renewal rates and eliminates surprises.

• Boost performance: Cost reductions and new revenue deliver immediate EBITDA lift for for-profit corporations and larger surpluses for non-profits.

• Reinvest and thrive: Savings flow into patient-care enhancements, technology upgrades, facility modernization, and workforce financial well-being.

“This is healthcare exactly as it should be—sustainable, secure, and profoundly human”.

Turning Surplus into Security: Closing Retirement Gaps

With SIHRA^®’s savings, hospitals can strengthen employees’ financial futures—without added payroll or admin burdens. Americans estimate they need $1.46 million to retire comfortably, yet the average retirement account holds just $115,000². SIHRA^® lets hospitals redirect healthcare savings into 401(k) boosts, richer matching, and financial wellness programs—narrowing that gap and improving quality of life.

Many Catilize Health^® clients have gone 4, 8—or even 15—years without a single premium rate increase, while the broader market endures 3–6% hikes annually. This steadfast rate stability means every salary raise boosts employees’ take-home pay instead of underwriting rising healthcare costs—fueling morale, loyalty, and long-term retention.

An independent health insurer, led by a CEO who previously held a senior leadership role at a major national insurer, adopted SIHRA^®. This strategic decision led to four consecutive years without a single premium increase. The insurer’s chief actuary, deeply impressed by the sustained cost control, integrated SIHRA^® directly into their own product line, creating a powerful market differentiator.

Growth with Purpose

Catilize Health^® is growing rapidly among employers with workforces from mid-size to over 150,000 employees across various industries. Fueled by decades-long partnerships and client word-of-mouth referrals, SIHRA^®’s results speak for themselves. CEO Craig Lack personally meets executives nationwide, showcasing SIHRA^®’s proven financial impact.

“SIHRA^® has transformed our financial outlook— strengthening reserves and unlocking new revenue streams we never thought possible.” — CFO of a Large Hospital System.

Extending Our Impact

To deepen our social commitment, we are launching a nonprofit foundation that shifts additional claim risk off hospital budgets and offers interest-free loans to every employee—whether they participate in SIHRA^® or not—for essential expenses like everyday living costs or car repairs. This ensures every team member can access care, get to work, and support their families without financial fear.

Ultimately, Catilize Health^® lives its vision:

“This is healthcare exactly as it should be—sustainable, secure, and profoundly human.” — Craig Lack, CEO, Catilize Health^®.