TOYOTA TMMK
Prepared by
Joe Nalley
show your work.
Clinical programs for 9,400 team members
who build 2,000 vehicles a day.
Performance-guaranteed. Claims-verified. 90 days to prove it on your own data.
Joe Nalley
02
Your Workforce
9,400 team members. Assembly lines.
A benefits change they didn't ask for.
9,400
Team members at Georgetown — one of the largest auto plants in the world
Toyota TMMK 2024
8.5M
Square feet. 2,000+ vehicles per day. Three assembly lines running two shifts.
TMMK Plant Profile 2024
1st
Year TMMK employees face new premiums and higher copays after benefits alignment with Toyota NA
Glassdoor / Indeed reviews 2024–2025
6.2
Injury rate per 100 full-time auto manufacturing workers — 30% above private industry average
BLS SOII 2023 / NAICS 3361
350+
Suppliers nationwide, 100+ in Kentucky alone. Each one a self-funded plan with the same exposure.
Toyota Kentucky Supplier Network 2024
Onsite
Medical facility at Georgetown. You already invest in workforce health infrastructure. The gap is what happens after the clinic visit.
TMMK Benefits / Public filings
Your team members are reading about benefit cuts on Glassdoor. They're comparing what they had to what they have now. That's not a morale problem — it's a retention signal. New programs that protect their health tell a different story than the one they're hearing.
Joe Nalley
03
The Gap
Benefits are getting smaller.
The clinical risks aren't.
Benefits alignment hit morale
TMMK employees had best-in-class benefits for decades. The 2024 alignment with Toyota NA introduced premiums, higher copays, and increased deductibles for the first time. Employee reviews cite "year over year cuts to medical insurance." Cutting costs without adding new clinical value creates a trust deficit.
Manufacturing + opioids = predictable pipeline
Auto manufacturing injury rates are 30% above the private industry average. Kentucky's opioid death rate is the 5th highest in the nation. The injury-to-prescription-to-dependency pipeline is the most predictable clinical pathway in this geography. Your onsite medical facility sees the injuries. Nobody intercepts what happens after the prescription.
Onsite medical is reactive, not preventive
The Georgetown onsite clinic treats acute injuries and manages workers' comp triage. That's necessary. But it doesn't navigate behavioral health episodes, manage SUD treatment continuity, or verify that the claims flowing through your plan are billed correctly. The infrastructure investment is there — the clinical layer on top of it is not.
EAP sessions aren't treatment
Standard EAP provides 6–8 sessions and a referral. For a team member dealing with opioid dependency, PTSD, or a dual diagnosis, that's intake — not treatment. When the EAP sessions run out, the team member is back to navigating the system alone. In a rural Kentucky geography, that often means no navigation at all.
You can't cut benefits and add nothing new. That's not cost management — it's subtraction. The move that protects the budget and the workforce is adding governance-backed programs that prove themselves before you commit.
Joe Nalley
04
The Portfolio
Three programs. Each independent.
Each designed to prove itself in 90 days.
Lead Program
Continuum
Virtual-first OUD/SUD treatment with buprenorphine and navigator continuity
Virtual MAT program with structured delivery milestones. 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 every shift. 42 CFR Part 2 compliant. KY and OH operations — Georgetown is in our operating geography.
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. For a manufacturing workforce dealing with benefits cuts, burnout, and shift work — this is the program that catches the people your EAP can't hold.
200K+ patients managed · 80%+ residential completion · Single-digit readmission ·
curatedhealth.care
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. At 9,400 lives, every prevented overpayment is visible at the plan level. And your 100+ Kentucky suppliers face the same claims exposure — a natural extension opportunity.
Each program operates independently. Adopt one, two, or all three. No bundling requirement. No platform lock-in.
Joe Nalley
05
Continuum · Substance Use
Kentucky has the 5th highest opioid death rate
in the country. Your plant is in Georgetown.
Your team members lift engines, stamp body panels, and run paint lines. Auto manufacturing injury rates run 30% above the private industry average. When those injuries get prescribed opioids — and in Kentucky, they do — the pipeline is predictable: injury, prescription, dependency, crisis. Continuum intercepts that pipeline with medication-assisted treatment, virtual-first delivery, and a named navigator who stays through the entire episode. We operate in Kentucky. Georgetown is a 45-minute drive from our office.
The Model
01
Buprenorphine via permanent DEA telehealth pathway. No in-person prescribing barrier — critical in rural KY.
02
Named navigator from intake through stabilization through step-down. Same person. Not a call center.
03
42 CFR Part 2 compliant. SDOH and health equity fields built in. Designed for Appalachian geography.
04
Fee-first model, earning into risk-sharing in year two. You pay for results before we share in them.
Why TMMK
This isn't a national program trying to serve your plant remotely. Continuum operates in Kentucky. We built this for the geography your team members live in — Scott County, Fayette County, the counties along I-64 and I-75 where your workforce commutes from.
Your onsite medical facility handles the acute injury. We handle what happens 90 days after the opioid prescription — when the EAP sessions are gone and the dependency is setting in. That gap between the clinic and crisis is exactly where Continuum sits.
47.2
Opioid overdose deaths per 100K in Kentucky — 5th highest in the U.S.
CDC WONDER 2023
67%
Of opioid-dependent workers cite workplace injury as origin
NSDUH 2023 / NIOSH
$9K+
Average employer cost per SUD episode without early intervention
SAMHSA / Milliman 2024
Joe Nalley
06
Curated · Behavioral Health
Benefits got cut. Morale dropped.
The behavioral health claims won't wait.
Episode-chain continuity
One named navigator stays with your team member 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 situation.
Readmission warranty
30-day readmission warranty on SUD residential and acute psych episodes. If a navigated member is readmitted for a condition we should have caught, we pay. Active after 100 measured episodes — actuarial discipline, not a marketing claim.
Manufacturing-specific load
Shift work, physical fatigue, benefits anxiety, rural access gaps. Your team members carry a behavioral health profile that standard EAPs weren't designed for. Curated navigates across 13 clinical areas — including the dual-diagnosis cases where SUD and psych overlap, which is where the highest costs concentrate.
13 Clinical Areas Navigated
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
07
Supporting Program
Your TPA audits their own work.
Your suppliers face the same exposure.
Caliber · Claims Verification
Pre-payment billing governance.
At 9,400 team members, high-cost claims above $25K flow through your TPA regularly. 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. Independent of your TPA.
4–6%
Expected discrepancy rate on high-cost claims
OIG / AHLA / MGMA
10 days
Standard turnaround. 5 days for short-hold TPAs.
Supplier Ecosystem
100+ Kentucky suppliers. Same claims problem.
Toyota's Kentucky supplier network includes 100+ companies with their own self-funded health plans. They face the same billing discrepancy exposure, the same SUD risk in the same geography, and the same behavioral health gaps — without the scale to negotiate standalone programs. A proven pilot at TMMK becomes the model for every supplier in the network.
Toyota already invests in supplier development through TSSC. Extending governance-backed health programs to the supplier network is the same logic — operational excellence applied to benefits, not just manufacturing.
350+ suppliers nationwide · 100+ in Kentucky
Toyota Supplier Support Center (TSSC) · Georgetown, KY
Caliber is independent of Continuum and Curated. Adopt any combination. Each proves itself on your data.
Joe Nalley
08
The Pilot
You have an onsite medical facility.
A pilot is the clinical extension of that investment.
You already spend money keeping your team members healthy at work. The onsite clinic, the ergonomic programs, the safety infrastructure — that's real capital deployed against real risk. A 90-day pilot extends that same logic into the clinical categories your onsite facility was never designed to address: substance use, behavioral health, and claims governance. Same investment discipline. Different clinical categories.
Scope
9,400 team members. Full population or defined segment — your call. At this scale, every outcome is visible. No statistical noise. No "we need more data." The measurement is clean from day one.
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 active from pilot day one. Warranties apply during pilot. We reserve capital against our own performance from the first navigated member. If the warranty triggers, we pay during pilot — not after.
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. The 90 days were free intelligence either way.
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.
Continuum: treatment retention, MAT adherence, ED utilization, return-to-work
Curated: readmission rate, completion rate, cost per episode, navigation engagement
Caliber: discrepancy rate, prevented overpayment, turnaround time
Why 9,400 Is the Right Size
Small enough to measure cleanly. Large enough to prove the model.
At 9,400, every navigated episode moves the denominator. There's no hiding behind statistical noise or "we need another quarter of data." You see the outcomes in real time — on your team members, in your geography, against your baseline.
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 team member behavior, or just generates reports
3. Whether a vendor will put their own capital behind 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 |
|---|
| Continuum | Per patient | Variable | ED diversion + retention |
| Curated | $3–7 | $225–790K | Readmission + completion |
| Caliber | $3–5 | $225–564K | Prevented overpayment |
Illustrative: ~9,400 covered lives (team members + dependents)
Pilot: start with one program, one population segment
PEPM tiers by volume — supplier ecosystem adds volume for deeper 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.
Continuum ROI Signal
Average employer cost per SUD episode without early intervention: $9,000+. At even a 2% SUD prevalence rate across 9,400 team members, that's 188 potential episodes and $1.7M in avoidable cost. Early MAT intervention reduces ER utilization by 33% and inpatient admissions by 40%.
Caliber ROI Signal
At a 4% discrepancy rate on claims >$25K, a 9,400-life self-insured plan typically sees $400K–$1.2M in preventable overpayments annually. Caliber's PEPM is a fraction of the recovery. Add 100+ Kentucky suppliers and the recoverable dollars multiply.
Portfolio Discount
All three programs: 20–25% combined PEPM discount. 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
Standard EAP
National Telehealth
Show Your Work
BH depth
6–8 sessions. Referral list.
General counseling
13 clinical areas. Full episode chain. Named navigator.
SUD treatment
Rehab referral
Assessment only
Virtual MAT. Buprenorphine. KY-based. Navigator continuity.
Geography
National call center
National platform
Kentucky operations. 45 minutes from Georgetown.
Claims audit
None
None
Pre-payment. 7-check BGS. Advisory-only.
Cost guarantee
None
Engagement metrics
Provider-held delivery warranty. Platform fee at risk. The only vendor in the category that warrants outcomes.
Pilot terms
Annual contract
Annual contract
90 days. Walk-away. No penalty.
We don't replace your EAP. We fill the gaps it wasn't designed to fill — with programs that operate in your geography, prove themselves on your claims data, and put their own capital at risk before asking you to 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.
Kentucky Native
Built in the Same Geography
Continuum operates in KY and OH. We know the provider landscape, the access gaps, the county-level opioid data. This isn't a national vendor learning your market — we live in it.
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
Georgetown to our office is a 45-minute drive.
This is a neighbor conversation, not a vendor pitch.
We're not flying in from San Francisco to learn your market.
We built these programs in the same geography your team members live in.
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 to supplier network, 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.
The Moment
TMMK just realigned benefits with Toyota NA for the first time. Team members are feeling the change. The window to add new clinical value — programs that protect their health while the plan adjusts — is right now. Waiting a year means a year of growing dissatisfaction with nothing new to show for it. A 90-day pilot gives you something to point to: "We cut here, but we added here."
Start Here
We recommend starting with Continuum (substance use) — your geography, your clinical risk, our operating footprint. Add Curated (behavioral health) and Caliber (claims verification) in wave two once the scorecard proves the model. Or start with all three. At 9,400 lives, the measurement is clean either way.