Harlowe
Harlowe is a B2B healthcare navigation platform serving employers, brokers, health plans, and TPAs. It pairs a mobile app with human Nurse Navigator support and paid claims data to help members identify lower-cost providers and earn cash rewards for cost-effective care decisions.
- Company typePrivate
- Founded2009
- HeadquartersLondonderry, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Harlowe does
Harlowe is a B2B healthcare navigation and cost-advocacy platform, headquartered in Londonderry, New Hampshire, that helps employees and plan members identify lower-cost providers for outpatient procedures. The company operates under the Harlowe brand since a February 2022 rebrand from Tandem Care, which was founded in 2009. Its core product combines a consumer-facing mobile app, a member support hotline, and one-on-one guidance from licensed Nurse Navigators. The platform ingests partner paid claims data to produce procedure-level price comparisons that members and nurses use to redirect care to lower-cost in-network providers, with members earning cash rewards equal to 20% of documented savings on qualifying procedures.
The underlying technology stack comprises a proprietary mobile application, a private HIPAA-compliant data center hosting all member and partner healthcare data, and redundant cloud infrastructure designed for reliability at the reported 500,000+ user scale. Harlowe is explicitly differentiated from algorithm-only navigation tools by its human-led nurse advocacy model, supported by leadership with deep clinical, insurance technology, and finance backgrounds. The company holds no disclosed patents, trademarks, or third-party certifications beyond HIPAA compliance.
Harlowe generates revenue through managed-services arrangements with self-insured employers, insurance brokers, health plans, and third-party administrators (TPAs), with white-label deployments available to health plans and TPAs. Pricing is not publicly disclosed and is tailored per engagement. Distribution is primarily indirect: broker and TPA channels feed employer and member populations, while the mobile app and hotline provide direct member access. The company is privately held, founder/management-owned, with no institutional funding rounds or M&A activity disclosed.
Harlowe firmographics
Firmographics- Name
- Harlowe
- Legal name
- Harlowe
- Website
- https://harlowehealth.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Harlowe is a B2B healthcare navigation platform serving employers, brokers, health plans, and TPAs. It pairs a mobile app with human Nurse Navigator support and paid claims data to help members identify lower-cost providers and earn cash rewards for cost-effective care decisions.
- Ownership category
- akta.pro rank
Harlowe industry classification
Industry- Product category
- Healthcare Navigation and Cost Advocacy Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)
- akta.pro secondary industry
- Employee Benefits Brokerage & Consulting (FSAEADAC)
Keywords
Where Harlowe is headquartered
LocationHeadquarters
- HQ city
- Londonderry
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Harlowe business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- B2B Healthcare Navigation Services: Harlowe provides healthcare cost reduction services to employers, brokers, health plans, and TPAs. The company helps members identify lower cost providers for outpatient tests and procedures, generating savings that benefit both members and the organizations that pay for healthcare coverage. Revenue appears to come from fees charged to employers, health plans, and TPAs for the navigation and advocacy services provided to their members.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Member Rewards Program |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Harlowe product offering
Product offeringCore offering
Harlowe provides healthcare cost-advocacy and navigation services through a mobile app and human Nurse Navigator support, helping members compare procedure costs, schedule appointments, and earn cash rewards for choosing lower-cost providers. The platform leverages partner paid claims data to deliver region-specific pricing accuracy, and is distributed on a B2B basis to self-insured employers, insurance brokers, health plans, and Third Party Administrators (TPAs) for use by their members and employees.
Product overview
Harlowe operates as a unified healthcare cost-advocacy platform combining a mobile application with human Nurse Navigator support. The core platform provides cost comparison tools powered by paid claims data, while the mobile app enables members to explore providers, track rewards, and access Nurse Navigators. Services are distributed through employer benefit plans, insurance brokers, and health plan/TPA partnerships, serving members and their dependents.
Differentiator
Problem solved
Functional benefit
Products and services
- Harlowe Mobile App A smartphone application that enables health plan members to explore in-network provider options, compare procedure prices, manage appointments, earn and track cash rewards, and connect with Nurse Navigators for personalized guidance on cost-effective care. Available to employees and dependents of employer clients and health plan/TPA partners.
- Nurse Navigator Support One-on-one, phone/email/live-chat support from experienced nurses who help members explore care options, compare providers, schedule appointments, transfer medical records, navigate prior authorization, and select lower-cost outpatient facilities. Available Monday-Friday, 8:00am-6:00pm ET.
- Healthcare Cost Comparison and Advocacy Platform A platform that leverages partner paid claims data to deliver accurate, region-specific pricing comparisons for medical procedures, enabling members and Nurse Navigators to identify lower-cost in-network providers and generate claims-cost savings for employer and health plan partners.
- Member Rewards Program A cash-rewards incentive program that pays members 20% of the savings achieved by choosing a lower-cost provider identified through Harlowe (with a $10 reward if already using a lower-cost provider, a $50 minimum savings threshold, and a $2,000 maximum reward per procedure). Rewards are typically issued 30-45 days from Explanation of Benefits receipt.
Quantifiable outcome
- 20% of savings returned to members who choose lower cost providers
- +3 more outcomes
Companies that use Harlowe
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
Harlowe technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Harlowe partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Harlowe competitors and assessment
Company assessmentDirect peers
- Transcarent: Transcarent delivers an employer-facing healthcare navigation and cost-transparency platform that combines price comparison, virtual care, and advocacy. It directly competes with Harlowe for the same self-insured employer and health plan buyer, with a similar B2B2C distribution model.
- Accolade: Accolade provides personalized healthcare navigation, advocacy, and virtual primary care to employers and health plans. It overlaps Harlowe on the healthcare-advocacy and price-transparency pillars for employer benefits, with substantially broader funding and product breadth.
- Quantum Health: Quantum Health specializes in healthcare navigation and care coordination for self-funded employer plans, integrating claims, provider, and member-engagement workflows. It is one of the most direct competitors to Harlowe's self-insured employer value proposition.
- Included Health: Included Health (the combination of Doctor On Demand and Grand Rounds Health) offers employer virtual care plus healthcare navigation and advocacy. It pursues the same B2B benefits buyer with a bundled virtual-care plus advocacy story comparable to Harlowe's navigation-plus-nurse model.
- Rightway: Rightway provides a healthcare navigation and benefits concierge platform for employers, blending nurse-led advocacy with pricing transparency. It targets the same self-insured employer and broker distribution channels as Harlowe.
- HealthJoy: HealthJoy operates a benefits-navigation and decision-support platform for employers, combining provider pricing, virtual care, and advocacy in a single app. Its approach to surface lower-cost care options parallels Harlowe's mobile-app + nurse-advocacy model.
- Castlight Health: Castlight Health pioneered employer-facing healthcare price transparency and navigation. While its product portfolio has narrowed post-take-private, it remains a long-standing reference point for cost-comparison-driven benefits engagement sold to employers.
Emerging players
- Lyra Health: Lyra Health delivers employer-paid mental health benefits with navigation and coaching. It overlaps with Harlowe's employer-benefits navigation distribution and nurse/coach-style advocacy, but is specialized in behavioral health rather than outpatient procedural savings.
- Maven Clinic: Maven Clinic offers employer-paid virtual care and navigation for women's, family, and reproductive health. It competes for the same benefits-buyer mindshare but is narrower in clinical scope than Harlowe's outpatient price-comparison focus.
Others
- Virgin Pulse: Virgin Pulse is an employer-facing well-being, engagement, and benefits navigation platform. It is adjacent rather than direct, as its core emphasis is on well-being programs rather than procedure-level cost comparison and nurse advocacy, but it overlaps in the benefits-navigation distribution channel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Harlowe social profiles
Digital presenceHarlowe compliance and trust
Trust signalCompliance1 record
Harlowe financial estimates
Financial estimateRevenue estimate
Valuation estimate
Harlowe leadership team
Management profileNumber of profiles
Profiles3 records
Harlowe funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Harlowe M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Harlowe
What does Harlowe do?
Harlowe provides healthcare cost-advocacy and navigation services through a mobile app and human Nurse Navigator support, helping members compare procedure costs, schedule appointments, and earn cash rewards for choosing lower-cost providers. The platform leverages partner paid claims data to deliver region-specific pricing accuracy, and is distributed on a B2B basis to self-insured employers, insurance brokers, health plans, and Third Party Administrators (TPAs) for use by their members and employees.
Is Harlowe a public or private company?
Harlowe is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Harlowe founded?
Harlowe was founded in 2009. It employs 11 to 50 people.
Where is Harlowe based?
Harlowe is headquartered in Londonderry, United States, in the North America region.
How does Harlowe make money?
One revenue line is on record: B2B Healthcare Navigation Services.
Who are Harlowe's main competitors?
Direct peers on record are Transcarent, Accolade, Quantum Health, Included Health, Rightway, HealthJoy and Castlight Health. Emerging players are Lyra Health and Maven Clinic. Virgin Pulse is listed as an others.
Does Harlowe have an API?
No public API is recorded for Harlowe.
What industry is Harlowe in?
Harlowe's product category is Healthcare Navigation and Cost Advocacy Services. Its primary akta.pro industry code is HLAEALAN, Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness), with a secondary code of FSAEADAC, Employee Benefits Brokerage & Consulting. Its NAICS code is 5242 and its SIC code is 6324.