Kalpa Care replaces bloated, fully-insured BUCA (Blue, United, Cigna, Aetna) plans with transparent, unbundled healthcare architectures. We protect your workforce, eliminate hidden PBM spread-pricing, and legally enforce your savings without sacrificing the quality of clinical care.
The traditional medical insurance market is breaking mid-market companies under the weight of hospital monopolies and guaranteed year-over-year rate hikes. Legacy brokers are part of the problem, earning higher commissions as your premiums rise. Optiviv steps in as a pure fiduciary consultant. We do not sell insurance products; we engineer clean supply chains. By implementing Direct Primary Care (DPC) frameworks, independent Third Party Administrators (TPAs), and transparent risk management, our ultimate mission is optimizing the biological health of your workforce and the financial longevity of your company.
David Montane is the Managing Director of Kalpa Care, leading the transition of mid-market employers away from extractive, fully-insured healthcare models. As a fierce advocate for root-cause medicine and financial transparency, David recognized that the traditional benefits brokerage model was structurally compromised. He founded Optiviv to serve as a pure, independent fiduciary—bootstrapping a zero-debt consulting firm that builds unbundled architectures to seamlessly align employer cost reduction with high-quality, integrative patient care.
All inquiries are routed directly to our consulting team and held in the strictest professional confidence. We are prepared to execute Non-Disclosure Agreements (NDAs) immediately to review your current claims data and identify the hidden waste in your existing benefits spend.