THE HOME DEPOT
Prepared by
Joe Nalley
show your work.
Governance-backed healthcare
for a workforce that builds America.
Behavioral health navigation. Substance use treatment. Maternity steering. Claims verification. Each with performance guarantees, warranties backed by provider delivery guarantees and our fee-at-risk model, and a 90-day pilot that proves value on your claims data before you commit.
Joe Nalley
02
Your Workforce
472,000 associates. Physical labor.
The clinical profile writes itself.
2x
HD Supply injury rate vs. national average
Risk & Insurance 2024
50%+
Tool Rental injuries from overexertion during manual loading
Home Depot Safety Report 2024
6
EAP sessions per situation, per year. That's the ceiling for SUD, PTSD, and everything else.
Carelon Wellbeing / HD Benefits
37.5%
Female workforce. ~177,000 women. Maternity is a material cost category.
Home Depot 10-K / Zippia
$472M+
Estimated annual behavioral health + SUD spend at industry benchmarks
Milliman / SAMHSA 2024 employer benchmarks
120K
Associates covered by Included Health navigation. That leaves ~300K+ without.
Included Health case study
Your workforce lifts 50-pound loads, operates forklifts, and stocks overhead for a living. The injury-to-opioid pipeline is the most predictable clinical pathway in employer health. Six EAP sessions won't catch it.
Joe Nalley
03
The Gap
You've invested in the right vendors.
The gaps are structural.
Behavioral health beyond the EAP
Carelon Wellbeing provides 6 sessions. That's triage, not treatment. Acute psych, residential SUD, IOP, PHP, eating disorders, PTSD — these require longitudinal navigation across multiple episodes, not a referral list.
The injury-to-opioid pipeline
Overexertion injury → opioid prescription → dependency → SUD. Your safety team cut loading injuries 50% with PLDs. The clinical pathway downstream of the injuries that still happen has no equivalent program.
Navigation covers ~120K of ~425K
Included Health serves a subset of associates. Employer Direct and Imagine Health optimize networks. But maternity navigation — the most expensive predictable episode — has no dedicated program with outcome guarantees.
Claims verification at self-insured scale
At 472K associates, even a 4% billing discrepancy rate on high-cost claims represents tens of millions in preventable overpayments. Your TPA audits their own work. Nobody independent verifies before payment.
You won the 2024 Theo Award for safety innovation. The PLDs took eight years from concept to full deployment. Your benefits stack deserves the same rigor. We can do it in 90 days.
Joe Nalley
04
The Portfolio
Four programs. Each independent.
Each designed to prove itself in 90 days.
Lead Program
Curated
Independent behavioral health navigation with readmission warranty
One named navigator per member across every BH episode — acute psych, IOP, PHP, residential SUD, eating disorders, PTSD. 13 clinical areas. Quality-scored provider database across 13 clinical areas. 30-day readmission warranty on SUD residential and acute psych. Not an EAP. Not a referral list. Episode-chain continuity.
200K+ patients managed · 80%+ residential completion · Single-digit readmission ·
curatedhealth.care
Lead Program
Continuum
Virtual-first OUD/SUD treatment with buprenorphine and navigator continuity
Delivery-anchored virtual MAT program. Buprenorphine via permanent DEA telehealth pathway. Named navigator manages full episode — intake through stabilization through step-down. Built for the injury-to-opioid pipeline your workforce faces. 42 CFR Part 2 compliant. KY and OH operations.
Supporting Program
Waybright
Warranty-backed maternity navigation for self-funded employers
Claims-integrated early risk identification at weeks 16–20. Facility-level quality data in the consumer's hands. Delivery site steering. 30-day readmission warranty held by credentialed delivery providers. Our platform fee is at risk against maternity outcomes across your population.
$1,677 modeled savings per navigated pregnancy · 4-tier steerability ·
waybright.health
Supporting Program
Caliber
Pre-payment billing verification — advisory-only claims governance
Verifies high-cost claims (>$25K) before payment using seven-check Billing Governance Standard. Issues Billing Governance Certificate. Advisory-only — never denies claims, routes findings to your team. Independent of your TPA.
Supporting Program
Cadence
Specialty therapy continuation governance — published clinical framework
Evaluates whether specialty therapies should still be running. 65,234 patients across 3 locked cohorts including NIH federal validation. 29.1% flag rate. Published in Pharmacy Times (April 2026). CGS v1.1 — 8-section clinical framework, 7 reassessment triggers, 4 drug classes.
Each program operates independently. Adopt one, two, or all five. No bundling requirement. No platform lock-in.
Joe Nalley
05
Curated · Behavioral Health
Six sessions isn't a program.
It's a referral with a time limit.
Episode-chain continuity
One named navigator stays with your associate across every behavioral health episode for the life of their enrollment. Not a call center. Not a new intake every time. The same person who knows their history, their medications, their family.
Readmission warranty
30-day readmission warranty on SUD residential and acute psych episodes. If a navigated member is readmitted for a preventable delivery complication, the delivering provider covers it under their warranty terms. Our fee is at risk against population-level outcomes. Active after 100 measured episodes — actuarial discipline, not a marketing claim.
Independence
We don't deliver care. We don't own facilities. We don't have downstream economic interest in where your associate goes. The navigator's only incentive is the right placement at the right time.
13 Clinical Areas Curated
Acute psychiatric
Residential SUD
IOP / PHP
MAT programs
Eating disorders
PTSD / trauma
Adolescent BH
Dual diagnosis
Detox
Crisis stabilization
Outpatient therapy
Neuropsych
Co-occurring medical
200K+
Patients managed across BH episodes
80%+
Residential completion rate
$3–7
PEPM tiered by population
+ episode spread + gain-share year 2+
Joe Nalley
06
Continuum · Substance Use
The injury happened at work.
The opioid prescription happened after.
Your associates lift, stock, and operate heavy equipment. When they get hurt — and the overexertion rate proves they do — the clinical pathway is predictable: injury → opioid prescription → dependency risk → SUD. Continuum intercepts that pipeline with medication-assisted treatment, virtual-first delivery, and a named navigator who stays through the entire episode.
The Model
01
Buprenorphine via permanent DEA telehealth pathway. No in-person prescribing barrier.
02
Named navigator from intake through stabilization through step-down. Same person.
03
42 CFR Part 2 compliant. SDOH and health equity fields built in. Not bolted on.
04
Fee-first model, earning into risk-sharing in year two. You pay for results before we share in them.
Why Home Depot
Your Carelon EAP coordinates rehab referrals. That's the right first step. Continuum is the step after — when six sessions aren't enough, when the referral leads nowhere, when the associate needs buprenorphine and a navigator, not a phone number.
KY and OH operations align with your distribution network geography. The DEA telehealth waiver means your associates in Locust Grove, GA or Rural Hall, NC get the same access as Atlanta.
$9,000+
Average employer cost per SUD episode without early intervention
SAMHSA / Milliman 2024
67%
Of opioid-dependent workers cite workplace injury as origin
NSDUH 2023 / NIOSH
Joe Nalley
07
Supporting Programs
Two more programs. Same discipline.
Same 90-day proof window.
Waybright · Maternity
The most expensive predictable episode.
177,000 female associates. ~800+ pregnancies annually across employees and dependents. Claims-integrated risk identification catches complications 4 weeks earlier than standard screening. Facility-level quality data — C-section rates, NICU admissions, readmissions by hospital — in her hands.
$20,416
Average commercial maternity episode
Peterson-KFF 2024
$71,158
Average NICU admission. 1 in 10 pregnancies.
HCCI 2021
Caliber · Claims Verification
Your TPA audits their own work.
At 472,000 associates, high-cost claims above $25K flow through your TPA daily. Caliber verifies them before payment using a seven-check Billing Governance Standard — CODEVAL, DUPCHECK, RATEVAL, DURVAL, CREDVAL, SVCVAL, BUNDLEVAL. Advisory-only. Never denies claims. Issues a Billing Governance Certificate.
4–6%
Expected discrepancy rate on high-cost claims
OIG / AHLA / MGMA
10 days
Standard turnaround. 5 days for short-hold TPAs.
Waybright and Caliber are independent of Curated and Continuum. Adopt any combination. Each proves itself on your data.
Joe Nalley
08
The Pilot
Every competitor asks for a 3-year contract.
We ask for 90 days and a scorecard.
We don't pitch outcomes we can't verify. We don't ask you to commit before you've seen proof. The pilot is the product — your claims data, your baseline, your measurement. Performance guarantees and warranties are active from day one. If we don't move the numbers, you walk away with the data and owe us nothing beyond the pilot fee.
Scope
Defined population. Minimum 1,000 lives for BH/SUD programs. Maternity and claims programs scale to your full book. You choose the segment — we prove on the population you pick.
Timeline
90-day measurement window. Claims-verified outcomes, not self-reported surveys. Baseline established from your prior 12 months. Outcomes measured against your own history, not an industry average.
Guarantees
Performance guarantees are active from pilot day one. Our platform fee is at risk from the first navigated member. If population outcomes miss the baseline, we forfeit the at-risk portion.
Exit
If it doesn't work, you walk. No termination fee. No penalty. No lock-in. You keep the data, the baseline analysis, and the scorecard. Win or lose, you leave with better intelligence than you started with.
The Scorecard
Every pilot produces a claims-verified scorecard at day 30, 60, and 90. Metrics are agreed before launch — not after we see the results. You define success. We measure against it. The scorecard is the decision document for full deployment.
Curated: readmission rate, completion rate, cost per episode, navigation engagement
Continuum: treatment retention, MAT adherence, ED utilization, return-to-work
Waybright: C-section rate, NICU rate, readmission rate, steering acceptance
Cadence: flag rate, review influence rate, continuation appropriateness, savings per cycle
Caliber: discrepancy rate, prevented overpayment, turnaround time
Why This Works
You've piloted hardware for 8 years. The PLD program that won the Theo Award started as a concept, deployed to test stores, measured injury reduction, then scaled to all 2,000 locations. We're asking for the same discipline — applied to healthcare benefits in 90 days instead of 8 years.
Three things you learn in 90 days that you can't learn any other way:
1. Whether your claims baseline matches what you think it is
2. Whether navigation changes associate behavior, or just generates reports
3. Whether a vendor will put their own fee at risk against their own performance
The pilot isn't the beginning of a sales cycle. It's the end of one. Either the numbers move or they don't. That's the whole conversation.
Joe Nalley
09
Unit Economics
What the 90 days cost.
What we expect them to return.
| Program | PEPM | Annual (est.) | Primary Lever |
|---|
| Curated | $3–7 | $1.5–4.2M | Readmission + completion |
| Continuum | $750–950/pt | $750–950/pt | ED diversion + retention |
| Waybright | $4.50–8.50 | $2.4–5.1M | NICU reduction + steering |
| Caliber | $3–5 | $1.2–3M | Prevented overpayment |
| Cadence | $3–6 | $1.1–2.2M | Continuation appropriateness |
Illustrative: ~300K covered lives (full-time associates + dependents)
Pilot: start with one program, one population segment
PEPM tiers by volume — 472K associates = deepest tier pricing
We publish the economics honestly. If the modeled savings don't exceed the program cost in the expected case, we say so. The remainder buys governance, guarantees, and risk transfer.
Caliber ROI Signal
At a 4% discrepancy rate on claims >$25K, a 300K-life self-insured plan typically sees $3–8M in preventable overpayments annually. Caliber's PEPM is a rounding error against the recovery.
Curated ROI Signal
Average BH readmission costs $12,000–$18,000. Curated's readmission warranty means every prevented readmission is pure savings. At 200+ BH episodes annually for a plan your size, single-digit readmission rates vs. the 15–20% industry norm move real money.
Portfolio Discount
Two or more programs: 15–20% combined PEPM discount. Three or more: 20–25%. Single scorecard, single data feed, one vendor relationship across all programs.
Joe Nalley
10
Competitive Position
What we do that your current
vendors structurally can't.
Dimension
Carelon EAP
Included Health
Typical Navigator
Show Your Work
BH depth
6 sessions. Referral.
Not BH-specific
Triage only
13 clinical areas. Full episode chain.
SUD treatment
Rehab referral coordination
Not SUD-specific
None
Virtual MAT. Buprenorphine. Named navigator.
Maternity
Not maternity-specific
General navigation
Education only
Claims-integrated. Facility steering. Warranty.
Claims audit
None
None
None
Pre-payment. 7-check BGS. Advisory-only.
Cost guarantee
None
ROI reporting
Engagement metrics
Provider-held delivery warranty. Platform fee at risk. The only vendor in the category that warrants outcomes.
Pilot terms
Multi-year
Annual contract
Annual contract
90 days. Walk-away. No penalty.
We don't replace Carelon or Included Health. We fill the gaps they weren't designed to fill — with programs that prove themselves on your claims data before you commit.
Joe Nalley
11
The Team
Built from the payer seat.
Designed for the employer buyer.
Joe Nalley
Founder & CEO
15 years building healthcare organizations and governance structures. Specialty risk products at a Fortune 25 payer — maternity, MSK, oncology, CHF — across millions of commercial members. Direct visibility into how payers price, manage, and lose money on the exact episodes these programs address.
Built and scaled a 13-location health system (BH, SUD, MAT, primary care, surgical center, community hospital). 30,000+ patients. Exited. Founded ClearBill — $9.2M returned to payers in the first six months. Exited. The programs in this deck aren't concepts — they're built on the same architecture, sold to the same buyer, governed by the same standards.
Cadence: 65,234 patients · 3 independent cohorts · NIH federal validation · Published in Pharmacy Times
M.S. Applied Behavioral Analysis, Northeastern ·
joe-nalley.com
Platform
7 Products Built and Published
Curated, Continuum, Waybright, Caliber, Cadence, Compass, Covenant — each with its own site, canon, and governance standard. Same infrastructure. Same employer buyer.
Payer Fluency
Speaks Your TPA's Language
Claims integration, risk stratification, actuarial reserving, and stop-loss coordination are built in — not outsourced to a consultant after the sale.
Capital
Founder-Led, Capital-Backed
Active capital conversations with healthcare-focused investors. Employer pilots are the proof points. Every signed pilot validates the model and accelerates deployment.
Joe Nalley
12
Next Steps
One conversation. One pilot.
90 days of your own data.
Leadership transitions create windows. That's why we're here —
not with a multi-year proposal, but with 90 days and a scorecard.
Week 1–2
Introductory call. Identify which programs fit. Agree on pilot population and scorecard metrics.
Week 3–4
Claims data review. Baseline analysis. Pilot agreement signed. No setup fees.
Day 1–90
Programs live. Scorecards at day 30, 60, 90. Warranties and guarantees active throughout.
Day 91
Decision. Scorecard in hand. Continue, expand, or walk away. No penalty either way.
Timing
Pilot can launch within 30 days of agreement. No implementation timeline. No technology integration required for initial deployment. Claims data feed is the only prerequisite. A one-page pilot term sheet is available on request.
Your Moment
Lesley Leiserson built your benefits infrastructure over 18 years. Tim Hourigan led HR through a decade of growth. Their legacy is a workforce that expects the best — and a vendor ecosystem that's been optimized for the problems of 2020, not 2026. The new team has a window to add what's missing: programs with warranties, scorecards, and a 90-day proof requirement.
Start Here
We recommend starting with Curated (behavioral health) and Caliber (claims verification). Fastest proof. Lowest integration burden. Highest dollar return per PEPM. Add Continuum and Waybright in wave two once the scorecard proves the model.