Evidence-First™ Fiduciary Intelligence

Sovereign by Math,Not by Trust

Enterprise healthcare intelligence platform that cryptographically verifies every contract term, claims transaction, and fiduciary decision with actuarial-grade evidence receipts.

SOC 2 Type II Certified
HIPAA Compliant
ERISA Section 404 Validated
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The Fundamental Difference

Continuous Intelligence vs.
Point-in-Time Audits

Traditional consultants show you what happened last quarter. Kincaid Health shows you what's happening right now—and what to do about it.

📄

Traditional Audit

Quarterly or Annual

  • ✗12-week turnaround for insights
  • ✗Quarterly PDF reports (outdated on arrival)
  • ✗Renewal-only negotiation leverage
  • ✗Requires manual follow-up on every finding
  • ✗No alerts when contract violations occur
  • ✗Historical data only (backward-looking)
  • ✗Single snapshot in time
Result:
You're always reacting, never preventing.
📡

Continuous Intelligence

24/7 Monitoring

  • 4-hour initial audit, then real-time
  • Live dashboard + instant alerts
  • Negotiate anytime with fresh evidence
  • Automated action recommendations
  • Real-time violation detection & quantification
  • Predictive modeling (forward-looking)
  • Continuous baseline comparison
Result:
You catch problems before they become losses.
Traditional Audit
$85K-$250K
12 weeks
Continuous Intelligence
$12,500
4 hours + 24/7
Absolute Transparency

Traditional Broker vs. Fiduciary Standard

Compare the legal obligations, audit capabilities, and aligned incentives under our strict fiduciary healthcare model.

Audit & Contract Parameter
Traditional Broker
Fiduciary Standard
Legal Fiduciary Liability
None (Disclaimed)
Contractually Assumed
Full Contract & MAC Audit Rights
Heavily Restricted
Unlimited / 100% Uncapped
Compensation Alignment
Opaque Commission/Bonus
Flat Retainer (Aligned Fee)
Rebate Optimization Flow
Retained by PBM / GPO
100% Shared / Pass-Through
Operational Blueprint

The 30-Day Forensic Audit Journey

Our standardized 30-day fiduciary audit pipeline processes raw claim lines securely under ERISA protection with zero operational friction.

Platform Core Architecture

8 Pillars of Fiduciary Intelligence

Eight foundational analytical capabilities driving comprehensive fiduciary healthcare governance and PBM oversight.

Verified Savings Documentation

Timestamped audit trail documenting contract compliance events, overcharge recoveries, and third-party verification records with complete chain of custody.

Review documentation standards

Financial Impact Analysis

Quantitative assessment of pharmacy benefit optimization on enterprise profitability. Direct measurement of prescription cost containment effects on operating margins.

Review financial methodology

Multi-Source Data Reconciliation

Integration and normalization of claims data, contract formularies, and pricing benchmarks across disparate healthcare data sources for actuarial analysis.

Review integration protocols

Contract Intelligence & Compliance

Automated PBM contract clause extraction, fiduciary scoring, and continuous monitoring of contractual guarantee fulfillment against actual performance metrics.

Review contract monitoring

Actuarial Risk Modeling

Monte Carlo simulation engines for benefit cost forecasting, stop-loss optimization, and multi-year trend projection with confidence intervals and scenario planning.

Review risk methodology

Real-Time Claims Surveillance

Live streaming anomaly detection for prescription claims processing, flagging formulary violations, spread pricing irregularities, and specialty drug overcharges as they occur.

Review surveillance protocols

Regulatory & Legal Framework

ERISA fiduciary compliance validation, DOL audit readiness, and CAA transparency requirements enforcement with automated legal documentation and evidence preservation.

Review compliance standards

Predictive Cost Analytics

Machine learning models for future spend forecasting, therapeutic substitution impact analysis, and proactive intervention opportunity identification to prevent cost escalation.

Review predictive models
Kincaid Health

Kincaid Health™

Real-time overcharge tracking feeds and analytical dashboards optimized for each executive role.

View Full Command Center

CFO Command Center

Financial impact & EBITDA defense metrics

LIVE FINANCIAL DATA
Kincaid Health

Kincaid Health

McKinsey + Bain KPIs with Evidence Receipts. Verified or it's not real.
Status: LIVE • 3 live events
EBITDA / Risk Feed
Portfolio MTD: Cost Trend +11.8% | Contract Compliance 94.8% | Benefits NPS +38McKinsey Alert: YoY PMPM exceeds baseline by 280bps | $4.8M EBITDA at riskContract Leakage: $2.1M recovery opportunity identified in Q4 vendor reconciliationPortfolio MTD: Cost Trend +11.8% | Contract Compliance 94.8% | Benefits NPS +38McKinsey Alert: YoY PMPM exceeds baseline by 280bps | $4.8M EBITDA at riskContract Leakage: $2.1M recovery opportunity identified in Q4 vendor reconciliation

Financial Risk & EBITDA Protection

McKinsey Framework
Cost Trend Stress Index
McKinsey
118
+18pp
YoY PMPM vs McKinsey Baseline
Details →
Q1TrendQ4
Contract Value Leakage Rate
McKinsey
3.2%
+1.7pp
Off-contract + Pricing Variance
Details →
Q1TrendQ4
Contract Compliance Rate
McKinsey
94.8%
-3.2pp
Contract Terms Adherence
Details →
Q1TrendQ4
Contract Ambiguity Risk Score
McKinsey
42
+17pts
High-spend Contract Clarity
Details →
Q1TrendQ4

Live Event Stream

Real-time healthcare cost & compliance events
1 Critical
2 High
|
3 McKinsey
0 Bain
CRITICALCost Trend•0s ago
McKinsey
YoY PMPM Trend Exceeds McKinsey Baseline
Net PMPM trend reached 11.8%, 280bps above McKinsey commercial baseline (9-10%).
Impact: $4.8M annualized EBITDA at risk
KPI: Cost Trend Stress Index
HIGHContract•2m ago
McKinsey
Contract Value Leakage Detected
Off-contract spend + pricing misses identified in Q4 vendor reconciliation.
Impact: $2.1M recoverable EBITDA
KPI: Contract Value Leakage Rate
HIGHPharmacy•4m ago
McKinsey
Pharmacy Rebate Discrepancy Alert
Opaque reimbursement terms flagged in specialty pharmacy contracts.
Impact: $1.3M annual exposure
KPI: Pharmacy Reimbursement Exposure

Stop Spending Weeks on What Takes Hours

Forensic intelligence that used to require consultants, actuaries, and legal teams — now automated with audit-grade precision

Manual Process
1640h
Consultant-dependent
Kincaid Health Automated
41.5h
Self-service platform
Time Savings
97%
Faster to insight

PBM Contract Forensic Audit

Manual:
12 weeks
Automated:
4 hours
Saves
11.98 weeks

Rebate Reconciliation Report

Manual:
6 weeks
Automated:
2 hours
Saves
5.9 weeks

Spread Pricing Analysis

Manual:
8 weeks
Automated:
4 hours
Saves
7.8 weeks

Board-Ready Compliance Report

Manual:
4 weeks
Automated:
30 minutes
Saves
3.9 weeks

M&A Due Diligence Audit

Manual:
10 weeks
Automated:
1 hour
Saves
9.99 weeks

Equivalent of 2-3 full-time analysts per engagement

See Live Demo

Outcomes, Not Opinions

Real impact from benefits leaders who chose forensic intelligence over consultant reassurances

$2.3M recovered
in hidden rebates

We found $2.3M in undocumented rebates and spread that our broker insisted 'didn't exist.' The forensic evidence was undeniable in contract renegotiation.

CFO
Manufacturing Company
12,000 employees
40 days saved
on forensic audit

Contract compliance audit that would've taken our consultant 6 weeks was done in 48 hours. The board-ready report had every citation, every discrepancy, every dollar tied to evidence.

VP of Benefits
Healthcare System
8,500 employees
$4.7M exposure
identified pre-close

During M&A due diligence, we discovered the target company had $4.7M in unrecorded pharmacy liabilities. The forensic trail prevented a catastrophic acquisition.

Private Equity Operating Partner
PE Firm
15 portfolio companies
Clean DOL audit
with 24hr response

When the DOL audit came, we had three years of fiduciary documentation ready in 24 hours. Every decision was evidence-backed. The auditor called it 'textbook governance.'

CHRO
Financial Services Firm
6,200 employees
320 hours/year
analyst time saved

Replaced 320 hours per year of manual benefits analysis with automated forensic scans. My team now focuses on strategy instead of spreadsheet archaeology.

Director of Total Rewards
Technology Company
4,800 employees
$1.8M annual
spread reduction

Our previous PBM claimed 'industry-standard spreads.' The platform showed we were paying 187% above NADAC on 23 high-volume drugs. Contract terminated within 90 days.

Benefits Consultant
Independent Advisory Firm
50+ clients

Average client finds $847 PEPY in undocumented leakage within first 90 days

Read Full Case Studies

See Kincaid IQ in Action

Experience the platform that transforms healthcare benefits from a cost center into a strategic advantage

Live Analytics

Real-time claims intelligence with predictive trend modeling and anomaly detection

Fiduciary Defense

Automated compliance monitoring with full audit trails and ERISA documentation

AI Copilot

Natural language queries with instant actuarial-grade analysis and reporting

Explore Platform Features
Live Demo With Your Data

See Your Contract's Hidden Leakage in Real-Time

Upload your PBM contract. We'll run a live forensic scan in 30 minutes and show you the spread documentation, rebate tracking gaps, and ERISA compliance issues.

Drag your PBM contract here, or click to browse

PDF, Word, or scanned image. 100% confidential.

Live forensic scan during the call
Instant spread & rebate analysis
ERISA compliance scorecard
No commitment, no sales pitch

Real Questions, Direct Answers

What benefits leaders actually ask before buying forensic intelligence

Still have questions?

Talk to a fiduciary intelligence specialist
Fiduciary Assurance Standards
Adhering to strict national operational healthcare and cybersecurity frameworks.
SSAE-18 SOC 2 TYPE IIHIPAA ENCRYPTEDERISA FIDUCIARYAAA STANDARDS

Enterprise Security & Compliance

Fiduciary-grade infrastructure built for regulated industries

SOC 2 Type II

Independent security audit

Q3 2026

HIPAA Compliant

Protected health information security

Certified

256-bit AES Encryption

Bank-level data encryption

Active

99.9% Uptime SLA

Enterprise-grade reliability

Active

Additional Compliance Frameworks

ERISA Fiduciary Standards
SSAE 18 Audit Controls
GDPR Data Privacy
ISO 27001 (Planned)
Visit Trust Center

All customer data encrypted at rest and in transit. Infrastructure hosted on AWS with SOC 2 certified data centers.