PinnacleCare
PinnacleCare is a Baltimore-based, Sun Life-owned private health advisory and navigation company serving high-net-worth individuals, executives, family offices, and employer benefit plans (via Sun Life Health Navigator), delivering dedicated Health Advisors, physician matching across 50,000+ vetted providers, and care coordination priced at $15K-$55K annually.
- Company typePrivate
- Founded2001
- HeadquartersBaltimore, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What PinnacleCare does
PinnacleCare is a private health advisory and healthcare navigation company, founded in 2001 and headquartered in Baltimore, Maryland, operating as a wholly owned subsidiary of Sun Life Financial Inc. since its 2021 acquisition. The company provides independent, unbiased healthcare advisory services — explicitly without commission from physicians or treatment facilities — to individuals, families, C-suite executives, boards of directors, and family offices, as well as to employer benefit plans via the "Sun Life Health Navigator powered by PinnacleCare" white-label platform. Services span medical intelligence research, physician matching, second-opinion coordination, medical record collection and personal health summaries, in- and out-of-country care logistics, and ongoing continuity-of-care support delivered by a dedicated Health Advisor.
The platform's underlying capability rests on a curated medical network and a clinical advisory workforce rather than a software product: 100+ Health Advisors with MD, ND, RN, BSN, and MSW credentials; a Medical Advisory Board of 65 physicians across specialties drawn from institutions such as UCSF, Brigham and Women's, Cedars-Sinai, and Moffitt; relationships with 130+ Medical Centers of Excellence including Mayo Clinic, Johns Hopkins, MD Anderson, and Dana-Farber; and a referral network of more than 50,000 vetted physicians. The proprietary physician-matching process combines this relational database with patient feedback and physician qualification analysis to match members to specialists.
Revenue is generated primarily through two consumer tiers: an Annual Membership priced from $15,000 to $55,000 per year (subscription recurring), and Premier Access, a retainer-based tier with usage-based charges for extended-family and key-employee coverage. A third stream is the Sun Life Health Navigator enterprise channel, which delivers PinnacleCare-powered health navigation to employer benefit plans as managed services. GTM combines direct field sales to HNW households, embedded partnerships with financial advisors, family offices, and premium banking programs (Morgan Stanley, Rockefeller, BofA, TFO), and the Sun Life enterprise channel. Legal entity is PinnacleCare International, LLC, incorporated in Maryland, and the company is privately held with no public revenue disclosure.
PinnacleCare firmographics
Firmographics- Name
- PinnacleCare
- Legal name
- PinnacleCare International, LLC
- Website
- https://pinnaclecare.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- PinnacleCare is a Baltimore-based, Sun Life-owned private health advisory and navigation company serving high-net-worth individuals, executives, family offices, and employer benefit plans (via Sun Life Health Navigator), delivering dedicated Health Advisors, physician matching across 50,000+ vetted providers, and care coordination priced at $15K-$55K annually.
- Ownership category
- akta.pro rank
PinnacleCare industry classification
Industry- Product category
- Private Health Advisory Services
- NAICS
- Other Individual and Family Services (624190)
- SIC
- Services-Health Services (8000)
- akta.pro primary industry
- Membership/Subscription Concierge Virtual Care (HLALAAAH)
- akta.pro secondary industry
- Primary Care & General Medicine Virtual Care (Employer-Sponsored) (HLALADAA)
Keywords
Where PinnacleCare is headquartered
LocationHeadquarters
- HQ city
- Baltimore
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PinnacleCare business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Annual Membership: Subscription-based annual membership providing ongoing continuity of care for individuals and family coverage. Includes dedicated Health Advisor support and tiered support for varying levels of medical complexity. Memberships range from $15,000 to $55,000 per year based on medical need and number of members.
- Premier Access: Retainer-based platform providing concierge-style support to extended family, friends, and key employees. Clients are charged only when approved services are provided, offering maximum flexibility.
- Sun Life Health Navigator Enterprise: B2B enterprise health advisory services offered through Sun Life to employers as part of employee benefit packages. PinnacleCare powers the Sun Life Health Navigator platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Annual Membership - Individual/Family coverage with dedicated Health Advisor |
| Subscription | Pay-as-you-go | Premier Access - Retainer-based flexible health advisory services |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
PinnacleCare product offering
Product offeringCore offering
PinnacleCare provides private health advisory and healthcare navigation services through annual memberships and retainer-based engagements. Its Health Advisors, supported by a Medical Intelligence team of MDs and PhDs, deliver physician matching against a network of 50,000+ vetted physicians and 130+ Medical Centers of Excellence, along with second opinions, care coordination, medical records organization, and 24/7 global support. The company also powers Sun Life Health Navigator, a white-label health advisory benefit for employer clients of Sun Life Financial.
Product overview
PinnacleCare is a private healthcare navigation and medical intelligence company offering two primary service tiers: Annual Membership ($15,000-$55,000/year) for ongoing health advisory support with dedicated Health Advisors, and Premier Access, a retainer-based model offering maximum flexibility where clients are charged only for approved services. The company also provides enterprise solutions through Sun Life Health Navigator for employer benefits programs. Services include medical intelligence, physician matching with 50,000+ vetted physicians, access to 130 Medical Centers of Excellence, and a Medical Advisory Board of 65 physicians across multiple specialties.
Differentiator
Problem solved
Functional benefit
Products and services
- Annual Membership Subscription-based annual membership providing ongoing continuity of care for individuals and family coverage with a dedicated Health Advisor. Includes tiered support for varying levels of medical complexity, physician matching, medical intelligence research, second opinions, and care coordination.
- Premier Access Retainer-based flexible health advisory platform providing concierge-style support, including direct access to PinnacleCare's Chief Medical Officer. Clients are charged only when approved services are provided. Coverage can extend beyond the primary member to extended family, friends, and key employees.
- Sun Life Health Navigator (powered by PinnacleCare) White-label enterprise health advisory service offered through Sun Life Financial to employer clients as part of their employee benefits packages. Provides PinnacleCare's health navigation, physician matching, and medical intelligence to employees of corporate benefit customers.
- Private Health Advisory The overarching private health advisory service supporting individuals and their families, C-suite/board of directors, and family offices. Provides independent and objective health advisory support, navigation, and coordination including medical intelligence research, physician matching, second opinions, and care logistics.
Quantifiable outcome
- Member testimonials indicate life-saving interventions and improved health outcomes through expert navigation and second opinions
- +1 more outcomes
Companies that use PinnacleCare
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles4 records
PinnacleCare technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
PinnacleCare partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Sun Life Health NavigatorcorePinnacleCare powers the Sun Life Health Navigator platform, providing health advisory services to Sun Life employer clients and their employees. This white-label/partnership arrangement extends PinnacleCare's reach into the corporate benefits market through Sun Life's distribution network.
- 130+ Medical Centers of ExcellencecorePinnacleCare maintains relationships with over 130 Medical Centers of Excellence - top-ranked medical facilities and academic research centers including Northwestern Medicine, Duke University Medical Center, Dana-Farber Cancer Institute, Johns Hopkins, Mayo Clinic, MD Anderson, and many more. These partnerships provide PinnacleCare members access to world-renowned facilities for specialized care.
- 65 Medical Advisory Board PhysicianscoreRenowned physicians across wide range of medical specialties advise the PinnacleCare team with their experience, knowledge and intuition, providing intelligence on the most qualified physicians, facilities, and treatment options. Board members include specialists from institutions like UC San Francisco, Brigham and Women's, Cedars-Sinai, Moffitt Cancer Center, and others.
- Morgan Stanley Reserved LPminorPinnacleCare provides health advisory services to Morgan Stanley Reserved LP program members, offering health support as part of the premium banking service offering.
- Rockefeller Capital ManagementminorPinnacleCare offers health advisory services to Rockefeller Capital Management family office clients through dedicated programs including Young Adult Program and general family office health advisory services.
- The World (Residential Ship)minorPartnership providing global health support services to residents of The World, a private residential ship. PinnacleCare provides healthcare navigation and medical coordination for travelers living aboard the vessel.
- TFO Family OfficeminorPinnacleCare provides Health Advisory Services specifically designed for TFO Family Office partners, offering tailored health advisory solutions for family office clients.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
PinnacleCare competitors and assessment
Company assessmentDirect peers
- Accolade: Accolade is a healthcare navigation and advocacy platform serving employers and health plans, combining personal health assistants with clinical insights. It is the closest direct competitor to PinnacleCare's B2B/B2C navigation model, with overlap in employer benefits and member advocacy services.
- Included Health: Included Health combines 24/7 navigation, virtual primary care, and mental health services for employers and consumers. It directly competes with PinnacleCare on expert medical second opinions, navigation, and concierge-style member support, including via its 2nd.MD acquisition.
- Transcarent: Transcarent offers a consumer-facing health and care navigation platform for self-insured employers, integrating second opinions, virtual visits, and surgery decisions. It competes directly with PinnacleCare's Sun Life Health Navigator channel and broader employer navigation thesis.
- MDVIP: MDVIP operates a national network of concierge primary care physicians serving individuals and families via annual membership fees. It is a direct peer in the premium HNW concierge medicine space, competing for the same affluent buyer of personalized healthcare access.
- ConsumerMedical: ConsumerMedical provides expert medical second opinions, decision support, and healthcare navigation, primarily to employers and health plans. It is a direct peer on the medical intelligence and second-opinion capabilities that are central to PinnacleCare's value proposition.
- 2nd.MD: 2nd.MD is a specialist second-opinion and care navigation service connecting members to leading physicians. It overlaps directly with PinnacleCare's Medical Intelligence and second-opinion offerings and is now part of Included Health.
- Quantum Health: Quantum Health is a healthcare navigation and care coordination company serving self-insured employers. It competes with the Sun Life Health Navigator product and similar employer-channel offerings where PinnacleCare is positioning for growth.
- Health Advocate: Health Advocate provides personalized health advocacy, navigation, and wellness services to employers, health plans, and individuals. It overlaps with PinnacleCare's concierge-style support and care coordination, particularly in the employer-sponsored benefits segment.
Broad incumbents
- One Medical (Amazon): One Medical, owned by Amazon, is a membership-based primary care platform combining in-office visits with a digital app. It is a broad incumbent competing for premium individual and employer healthcare spend, with a more technology-driven experience than PinnacleCare.
Emerging players
- Solera Health: Solera Health is a digital health platform that curates and matches consumers to chronic-care and lifestyle management programs for payers and employers. It is an emerging player with partial overlap to PinnacleCare's preventive and condition-management navigation services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
PinnacleCare social profiles
Digital presencePinnacleCare financial estimates
Financial estimateRevenue estimate
Valuation estimate
PinnacleCare leadership team
Management profileNumber of profiles
Profiles2 records
PinnacleCare funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PinnacleCare 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 PinnacleCare
What does PinnacleCare do?
PinnacleCare provides private health advisory and healthcare navigation services through annual memberships and retainer-based engagements. Its Health Advisors, supported by a Medical Intelligence team of MDs and PhDs, deliver physician matching against a network of 50,000+ vetted physicians and 130+ Medical Centers of Excellence, along with second opinions, care coordination, medical records organization, and 24/7 global support. The company also powers Sun Life Health Navigator, a white-label health advisory benefit for employer clients of Sun Life Financial.
Is PinnacleCare a public or private company?
PinnacleCare is a private company. It is classified as corporate owned and is currently operating.
When was PinnacleCare founded?
PinnacleCare was founded in 2001. It employs 51 to 100 people.
Where is PinnacleCare based?
PinnacleCare is headquartered in Baltimore, United States, in the North America region.
How does PinnacleCare make money?
Three revenue lines are on record. Annual Membership is the primary driver. The others are premier Access and sun Life Health Navigator Enterprise.
Who are PinnacleCare's main competitors?
Direct peers on record are Accolade, Included Health, Transcarent, MDVIP, ConsumerMedical, 2nd.MD, Quantum Health and Health Advocate. One Medical (Amazon) is listed as a broad incumbent. Solera Health is listed as an emerging player.
Does PinnacleCare have an API?
No public API is recorded for PinnacleCare.
What industry is PinnacleCare in?
PinnacleCare's product category is Private Health Advisory Services. Its primary akta.pro industry code is HLALAAAH, Membership/Subscription Concierge Virtual Care, with a secondary code of HLALADAA, Primary Care & General Medicine Virtual Care (Employer-Sponsored). Its NAICS code is 624190 and its SIC code is 8000.