MOC Fiduciary Intelligence
The MOC Fiduciary Intelligence (MOC-FI) AI agent reads your self-insured plan documents and claims data, scores your plan against 32 fiduciary indicators, identifies gaps and risk exposure, and shows you the exact dollars you can recover.
Built upon the Model Optimal Care framework and to ERISA and CAA fiduciary standards, and powered by Claude.
Your first report is free.
No credit card required.
MOC Fiduciary Score
Meet MOC-FI
Most plan reviews end with a slide deck and a shelf full of jargon.
MOC-FI audits end with an evidence-based Fiduciary Score and specific dollar amounts tied to specific sources.
Upload your plan documents and claims data. Our AI agent compares what your contracts say against what your plan actually paid, line by line. You get an evidence-based MOC Fiduciary Score and a comprehensive report that names every finding in every category with the dollar amounts attached.
Your MOC Fiduciary Score
How it works
Load your plan documents and 12 months of de-identified claims and census data. Start with 8 core files. MOC-FI supports the full plan record.
MOC-FI reviews 100% of your claims against your contracts, Medicare reference rates, and regional benchmarks, flagging waste, fiduciary gaps, and risk exposure.
You get your plan’s Fiduciary Score, a ranked list of findings with exact dollar amounts, and a 90-day action plan you can hand to your vendors.
What MOC-FI finds
All of your claims reviewed against contracts and benchmarks, not a random 5% sample.
TPA, PBM, and broker fees checked against the contract and the Form 5500 you filed.
Pharmacy cost analysis showing formulary inefficiencies and their causes.
Gaps in ERISA and CAA compliance flagged before an auditor or a plaintiff finds them.
A prioritized roadmap with measurable targets and assigned responsibilities.
Proof
A single MOC Fiduciary Intelligence Report stands in for a paid fiduciary and claims audit. Done by an outside firm, that level of work can easily run from tens to hundreds of thousands of dollars.
Pricing
FREE for 1 health plan, for 1 month
$0 for one month
For a single health plan sponsor
$499 /month
Brokers, consultants, TPAs, PEOs etc.
$1,499 /month
Enterprise and multi-plan programs
Contact sales
FREE for 1 health plan, for 1 month
$0 for one month
For a single health plan sponsor
Brokers, consultants, TPAs, PEOs etc.
Enterprise and multi-plan programs
Contact sales
Annual billing saves two months on Health Plan Sponsor and Advisory plans. Start a Trial today or subscribe at fiduciaryIQ.ai
Who it is for
We built MOC-FI from scratch for the self-insured industry. It is not a general-purpose analytics tool adapted to health plans, and it is not an existing methodology that has been repackaged.
It is built upon the Model Optimal Care framework based on the bestselling book of the same name. It targets waste and inefficiencies within self-funded plans with evidence-based, concrete action plans for remediation. It produces an enterprise-grade, defensible fiduciary record and an audit trail that keeps you ERISA and CAA-compliant at all times.
If you fall into any of the following categories, this AI agent is built specifically for you:
Upload your documents and data, run your first comprehensive report, and see where the dollars are sitting in your health plan.
No credit card required.
The book
MOC-FI runs on the framework outlined in the Amazon #1 bestselling book. Read in detail the method that the software applies to your plan.
The credential
Train your team to implement the recommendations from MOC-FI. Reimbursable under IRS Section 127, up to $5,250 a year tax free.
Get The MOC Brief, the twice-weekly healthcare policy analysis for self-insured professionals and healthcare leaders committed to eliminating waste and optimizing care delivery.
Copyright © 2026 Model Optimal Care, LLC. All Rights Reserved.
