We are strong supporters of your mission to provide superior service and keep your customers at the center of everything you do. From where you sit, you probably realize that health care is more complicated than it needs to be. As a strategic health services partner committed to making health care more affordable, predictable and simple, we would be honored to serve you and your participants.
R+L Carriers: Health is what makes progress possible

I am looking forward to getting to know the R+L Carriers team and connecting on how we may be able to support your business. We understand that you need more than a vendor to service your claims. You need a strategic and proactive health services partner who can take on your toughest health care challenges, expose opportunities to reduce costs and increase profitability to help you plan for the future. We want to be your trusted partner to take great care of your team, your members and their families for years to come.
Our reality: Health can't wait
The stakes are too high. The need for more affordability, predictability and simplicity in health care is too great. Our reality is that health can't wait. We are solving the problems others don't, won't or can't in order to deliver flexible solutions that enable better clinical and financial results and elevate health for all.
Patients with 1-2 chronic conditions and highly fragmented care are 14% more likely to be hospitalized
Individuals with unmet social needs are more likely to have chronic conditions, including a 60% greater prevalence of diabetes
Specialty drug spend makes up nearly 48% of pharmacy costs, and is expected to increase over the next 4 years
94% of providers lack easy access to medical information due to different EMR systems
A richer specialty benefit with room to plan and grow
Patients need their specialty medications and your plan needs better affordability. SaveonSP utilizes plan design changes to identify select drugs as non-essential health benefits, enabling maximum savings and reducing plan and member costs. See how it works.
SaveonSP
Learn more about how our copay assistance program can help you achieve your plan goals
Pioneering the evolution of health care
For patients with chronic and complex conditions, how do you achieve better health without tradeoffs? You need a single platform that helps your employees with better medication adherences, higher therapy completion rates and greater compliance with clinical guidelines, all while mitigating your financial risk. SafeGuardRx is our platform to continuously take on the most complex, highest cost challenges.
SafeGuardRx: Multiple Sclerosis Care Value
Multiple Sclerosis Care Value delivers specialized clinical support and client savings due to increased adherence. Express Scripts shares your risk with early discontinuation reimbursements for preferred MS medications.

SafeGuardRx: Pulmonary Care Value
Pulmonary Care Value unites specialized support and patient engagement tools for holistic management of asthma and COPD and lowers net cost of treatment.

SafeGuardRx
Learn more about how our SafeGuardRx programs can make medicine work harder for you and your plan

Evernorth solutions
Embarc Benefit ProtectionSM
Gene therapy has the potential to change lives, but even a single treatment can cost millions of dollars. Embarc Benefit Protection shields members from these high costs, so that people who need treatment can get it.
Healthy Ways to Work
In a world dramatically changed by COVID-19, we’re helping our partners and their employees navigate new realities. Explore agile solutions focused on helping people return to a healthy, safe, and productive workplace.
FamilyPathSM
By 2025, 10 million couples will have trouble starting a family. FamilyPath is raising the bar for fertility health by providing more comprehensive, more flexible coverage and proactive care for growing families.
InMyndSM
Advancing mental health with a behavioral health care solution that complements any existing traditional employee assistance programs (EAPs) or wellness initiatives with medication-focused treatments to create a holistic approach to mental health care.
Digital Health Formulary
With more than 200 new digital health solutions each day, navigating the digital health landscape is confusing, costly and time-consuming. The Digital Health Formulary helps you manage the fast-growing world of digital health.
Helpful resources to manage your plan
Explore the latest content and tools focused on helping you navigate changes in the dynamic health care industry.
The results are in
The changes we've all had to navigate and the way consumers have responded to health care in the wake of COVID-19 have shaped the future of health care as we know it. Our research yielded insights that offer an opportunity for business leaders and health care decision makers to work together to evaluate health for every member, for every employer, for all.

Health care comes home
As COVID-19 has normalized virtual health and digital care solutions in an environment where advancements in technology and consumers' demand for digital both grow seemingly at the speed of light, how can health care decision makers and health plan leaders keep up in terms of offering members the tools they need to stay healthy, in a way that is safe and fits into their day-to-day routine?

Solidifying the mind-body connection
COVID-19 has underscored the connection between physical, mental and social health. While many consumers are engaged in some sort of wellness activities, the focus on health has inspired many to take a more proactive approach to their whole well-being.

The cost-care conundrum
Keeping health care costs down remains a consistent priority for both consumers and decision makers. in fact, it's a dilemma that affects nearly every plan: How is it possible to do more with less – and still provide high quality, low cost and high touch care?

Evernorth insights: Drug Trend Report
In the face of the COVID-19 crisis, we worked together with clients to solve urgent and emerging needs with innovation, agility and focus while delivering results. See a snapshot of what we were able to help our clients achieve.