90 Degree Benefits

What 90 Degree Benefits does

90 Degree Benefits is a national third-party administrator (TPA) headquartered in Birmingham, Alabama, that administers self-funded and level-funded health benefit plans on behalf of employers, brokers, and a diversified set of institutional clients including correctional facilities, hospice providers, municipal governments, and religious/non-profit organizations. The company has grown to operate more than 23 regional offices across the United States and touches approximately 700,000 lives annually through its portfolio of products and services, with documented claims processing of $1.4 billion in medical claims and $150 million in prescription drug claims for correctional clients alone.

The company's core technology stack centers on an administrative platform delivered through dedicated web portals for brokers, employers, members, and providers, plus iOS and Android mobile applications. The product suite includes self-funded and level-funded health plan administration as the core offering, augmented by proprietary cost-containment modules such as RightTurnRx (pharmacy oversight, PBM procurement, and clinical cost containment), CareConnect (member advocacy, navigation, and medical-billing negotiation), Reference-Based Pricing, and Access2day (a membership clinic program). Adjacent services include PlanPoint for retirement plan contribution aggregation, network solutions (PPO, EPO, High-Performance, Regional, Narrow), and specialized claims administration for prisons, hospice, and PACE programs.

90 Degree Benefits generates revenue primarily through administrative fees paid by employer groups and institutional clients for TPA services on self-funded and level-funded plans, with pricing negotiated per group rather than publicly disclosed. Its go-to-market relies on a dual motion: broker partnerships that deliver employer clients via the dedicated broker Resource Center (compliance updates, cost-containment playbooks, case studies), and direct regional engagement through its 23+ local offices for enterprise and specialized vertical clients. The firm reports a 95%+ customer satisfaction rate and remains privately held with no disclosed funding rounds, parent company, or leadership team beyond the COO and Executive Director of Sales and Marketing.

Name

90 Degree Benefits

Legal name

90 Degree Benefits

Website

https://90degreebenefits.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

251–500 employees

Short description

90 Degree Benefits is a national third-party administrator that administers self-funded and level-funded health plans, pharmacy oversight, and specialized claims services for employers, brokers, correctional facilities, municipalities, and non-profits across 23+ U.S. offices, touching 700,000 lives annually.

Ownership category

akta.pro rank

Product category

Third-Party Health Benefits Administration

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411), Services-Health Services (8000)

akta.pro primary industry

Eligibility, Enrollment & Benefits Administration (HLAEALAH)

akta.pro secondary industries

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK), Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises) (HLAEALAJ)

Keywords

• Third-party administration
• Self-funded health plans
• Level-funded health plans
• Pharmacy benefit management
• Claims administration services

Headquarters

HQ city

Birmingham

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Third-Party Administration Services: 90 Degree Benefits generates revenue by providing TPA services to employer groups, charging fees for administration of self-funded and level-funded health plans. The company processes claims, manages pharmacy benefits, provides cost containment programs, and offers network access as part of its core administration services.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

90 Degree Benefits is a national third-party administrator (TPA) that administers self-funded and level-funded health plans for employers, brokers, and specialized organizations. Its core offering is the administrative servicing of health plans including claims processing, pharmacy benefit oversight through RightTurnRx, member advocacy via CareConnect, Reference-Based Pricing, network access (PPO, EPO, High-Performance, Regional/Narrow), and retirement plan contribution aggregation through PlanPoint, serving over 700,000 lives annually.

Product overview

90 Degree Benefits is a national third-party administrator (TPA) offering a comprehensive suite of health plan solutions centered on self-funding and level-funding health plans. The core product portfolio includes Self-Funded & Level-Funded Health Plans as the foundation, supplemented by specialized add-on modules including CareConnect (member advocacy and healthcare navigation), RightTurnRx (pharmacy oversight and optimization), and Reference-Based Pricing. The company also offers supplementary services such as PlanPoint (retirement plan contribution aggregation), Access2day (membership clinic program), network solutions (PPO, EPO, High-Performance Networks), and specialized claims administration for prisons, hospice, PACE programs, and municipal employees (MEHIP). The unified platform is accessed through member, broker, employer, and provider portals, supported by mobile applications, delivering cost containment and administrative services to over 700,000 lives annually.

Differentiator

Problem solved

Functional benefit

Brands

• RightTurnRx: Pharmacy oversight and optimization program providing comprehensive drug management including PBM procurement, contract evaluation, and clinical cost containment.
• CareConnect
• 90 Degree PlanPoint
• MEHIP

Products and services

• Self-Funded & Level-Funded Health Plans Employer health benefit plans where organizations assume financial risk for claims while 90 Degree Benefits provides administrative services, offering greater cost control compared to fully insured plans. Available for groups of varying sizes with flexible plan design.
• CareConnect Member advocacy program offering care coordination and healthcare navigation support, helping members understand benefits and find quality care at affordable prices. Includes negotiation services for medical billing disputes, with documented cases such as $722,718 in savings on emergency heart surgery.
• RightTurnRx Drug management program providing pharmacy oversight and optimization, including PBM procurement, contract evaluation, and clinical cost containment solutions for pharmacy benefit plans.
• Reference-Based Pricing (RBP) Pricing methodology that sets plan payments based on Medicare rates or other benchmarks, ensuring transparent and competitive prices for medical services.
• PlanPoint Retirement Plan Contribution Aggregation Retirement plan contribution aggregation service that streamlines fund remittance and contribution processing for 403(b), 401(k), 401(a), and 457 plans across multiple employer locations, connecting plan sponsors and service centers with recordkeepers.
• Access2day Membership clinic program delivering measurable savings through a unique provider network, offering employers alternative access to healthcare services at reduced costs.
• PPO, EPO & High-Performance Networks Provider network solutions including National PPO Networks, EPO Networks, High-Performance Networks, and Regional and Narrow Networks for comprehensive coverage options.
• Prison Claims Administration Specialized claims administration services for correctional facilities, managing healthcare programs for city/county prisons and jails, with nearly 10 years of experience and $1.4 billion in medical claims processed.
• MEHIP (Municipal Employees Health Insurance Program) Program waiving the 1.75% state insurance premium tax for municipalities, non-profits receiving state funding, municipal subdivisions, and employer groups of 2-50 employees, with participants typically receiving a 3.75% premium discount.
• Hospice Claims Management Specialized hospice claims services with over 25 years of experience, including Medicare repricing and provider payments on a per-claims basis.
• PACE Claims Repricing Claims repricing system based on Medicare rates with claims processing, reporting, and insights for additional savings opportunities.
• FSA, HSA, ICHRA Administration Administration services for consumer-driven health accounts including Flexible Spending Accounts, Health Savings Accounts, and Individual Coverage Health Reimbursement Arrangements.
• Population Health Management Data-driven programs to improve health outcomes across member populations through analysis, intervention strategies, and coordinated care initiatives.
• Member Portal and Mobile App Online self-service platform and mobile application (iOS and Android) enabling members to access benefits information, view claims status, find providers, download ID cards, and manage FSA/HSA/HRA accounts.

Quantifiable outcome

• 27% PMPM cost reduction for Northeast manufacturer while maintaining flat premiums for 5 years
• +6 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

One partnership is on record.

• EM2P2 (CannaLnx Platform)minorStrategic or Co-development Partner90 Degree Benefits serves as an early partner/TPA on EM2P2's CannaLnx platform, a HIPAA-compliant platform enabling medical cannabis reimbursements through existing health insurance plans. The partnership allows eligible patients in legal states to receive monthly reimbursements for medical cannabis and related doctor visits.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• UMR: UnitedHealth Group-owned TPA administering self-funded health plans for employers of all sizes. Directly comparable to 90DB as a third-party administrator of self-funded/level-funded plans, but with materially larger scale, broader network ownership, and carrier-backed capital.
• AmeriHealth Administrators: Carrier-affiliated TPA offering self-funded administration, network access, and care management to large employer groups. Comparable to 90DB in product suite but with broader incumbent scale and integrated carrier network leverage.
• Meritain Health: Aetna-affiliated TPA providing self-funded plan administration, pharmacy, and care management to employer groups. Comparable core offering (TPA for self-funded plans) with broader national scale and integrated stop-loss, similar to 90DB's role for mid-market employers.

Direct peers

• Allied Benefit Systems: Independent TPA providing self-funded plan administration, PBM, and stop-loss support for employer groups. Directly comparable business model—TPA-only (no carrier balance sheet) serving regional and multi-state employers, competing in the same broker channel as 90DB.
• HealthSmart Benefit Management: Independent TPA administering self-funded health plans, reference-based pricing, and network solutions for employers across the U.S. Highly comparable to 90DB in model (self-funded TPA, RBP, PBM oversight) and mid-market employer focus, representing a direct competitive head-to-head.
• SISCO (Systems Integration Software Company): TPA and benefits administration technology provider offering self-funded administration, FSA/HSA, and integrated platforms. Comparable to 90DB as a technology-enabled TPA serving employer-sponsored health plans, with overlapping product suite (administration, consumer-driven accounts, mobile).
• Key Benefit Administrators: Independent TPA providing medical, dental, disability, and FSA/HSA administration for employer-sponsored plans. Comparable mid-market TPA serving similar employer segments through broker partnerships.
• Benefit Plan Solutions (BPS): Third-party administrator specializing in self-funded health plans for employer groups with cost-containment tools. Comparable mid-size TPA competing in similar broker channel and employer segments as 90DB.

Emerging players

• Citation Health: Emerging TPA-style administrator with technology-driven self-funded and level-funded offerings targeting small and mid-market employers. Comparable in go-to-market (alternative to fully insured, level-funded focus) though smaller scale than 90DB.
• ClaimDOC: Specialist reference-based pricing administrator partnering with TPAs and stop-loss carriers to deliver transparent hospital pricing. Overlaps with 90DB's RBP offering and CareConnect negotiation capability, addressing the same employer cost-containment pain point.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@90DegreeBenefits
• LinkedInlinkedin.com/company/90-degree-benefits
• Xx.com/ebsobenefits

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 90 Degree Benefits