PinnacleCare

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.

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

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

• Private health advisory
• Healthcare navigation services
• Medical concierge services
• Physician matching services
• Health risk management

Headquarters

HQ city

Baltimore

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core 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

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Sun Life Health NavigatorcoreChannel Partner/ Reseller/ DistributorPinnacleCare 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 ExcellencecoreStrategic or Co-development PartnerPinnacleCare 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 PhysicianscoreStrategic or Co-development PartnerRenowned 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 LPminorGTM or Marketing PartnerPinnacleCare provides health advisory services to Morgan Stanley Reserved LP program members, offering health support as part of the premium banking service offering.
• Rockefeller Capital ManagementminorGTM or Marketing PartnerPinnacleCare 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)minorStrategic or Co-development PartnerPartnership 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 OfficeminorGTM or Marketing PartnerPinnacleCare 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

Direct 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

• Xx.com/PinnacleCare
• Facebookfacebook.com/PinnacleCare
• LinkedInlinkedin.com/company/pinnaclecare

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

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 PinnacleCare