For benefits brokers and consultants

Your clients want GLP-1s. You need an answer that holds up at renewal

Embla is a fully managed weight care carve-out for self-funded employers. Coaching comes first. Independent licensed clinicians keep medication at the lowest effective dose. Your client pays one fixed fee per engaged member, medication included, with no plan integration.

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Working with consultants at
As heard on
Self-Funded with Spencer
Published research
Diabetes, Obesity and Metabolism, 2025

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Sound familiar?

Every renewal meeting now comes with a GLP-1 question

"Can we cover GLP-1s?"

Employees are asking, so your client is asking you. Covering it opens a pharmacy line with no ceiling. Excluding it makes the benefits package harder to defend with candidates and staff.

"We tried that. It didn't work."

Plenty of employers already covered GLP-1s through the PBM, with no coaching around the drug. Doses climbed, spend climbed and nobody owned the outcome. Now any new vendor starts with a trust problem.

"Not another vendor."

Your clients already run a long list of point solutions, and you already field the vendor calls. Anything new has to be simple to launch, easy to explain and easy to defend.

9%

median projected health care cost trend for 2026, before plan design changes

79%

of employers are seeing more members use obesity medications, and another 15% expect to

51%

are changing or running an RFP for health and well-being vendors

Source: Business Group on Health, 2026 Employer Health Care Strategy Survey (121 large employers).

The Embla model

The dose is not the program. Behavior is.

Weight is complicated because people are. Biology, sleep, stress, habits and relationships all play a part. Embla starts there, with 1:1 coaching, and treats medication as one tool rather than the plan.

See the coaching model →

Coaching first

Every member meets a health coach before anything else. Members who don't need medication stay in EmblaThrive, coaching only.

Low-dose protocol

When medication is appropriate, independent licensed clinicians prescribe it at the lowest effective dose through EmblaThriveMD.

Built to taper

Structured tapering begins at month 16 and runs over 12 weeks. Embla Embrace then helps members keep their results.

One care platform

Coaches, clinicians, nurses, pharmacy and support on one platform, with one member record.

IMAGE PLACEHOLDER: Spencer Smith headshot (pending his permission)
Heard on Self-Funded with Spencer

"I appreciate the order of operations there. Most people rush to the drug and then surround that with coaching. The coaching happens first, and I would say you're probably likely screening some people away from getting on a GLP-1."

Spencer Smith
Host, Self-Funded with Spencer, the podcast for benefits consultants and self-funded employers
Listen to the episode →
For clients who got burned

Tried GLP-1 coverage once? Here's how Embla is different

The first round failed for predictable reasons: no coaching, doses that only went up and no exit plan. Embla changes who carries the risk.

The medication risk moves to Embla

Medication sits inside one fixed fee per engaged member. If doses go up, Embla absorbs it, not your client.

A defined cost line

Your client pays only for engaged members, so the cost follows real use, not eligibility.

An exit plan from day one

Structured tapering is built into the program and begins at month 16. Open-ended coverage has no off-ramp.

Nothing to unwind

A true carve-out. No plan integration, and the medical plan and PBM stay exactly as they are.

Peer-reviewed results

Trial-level weight loss with far less medication

The TRIM study followed 2,694 Embla members for 64 weeks. Standard semaglutide titration steps up to 2.4 mg a week. Embla members averaged about 1.08 mg, less than half the standard maximum.

16.7%

average weight loss over 64 weeks

55%

less GLP-1 medication

78.5%

of members tapered or stopped GLP-1s

TRIM study: Seier et al., Diabetes, Obesity and Metabolism, 2025 (n=2,694). TRIM is Embla's own peer-reviewed research. Dosing decisions are made by each member's independent licensed clinician. Individual results vary.

Proof from the field

What it looked like for one self-funded employer

Ten months after launch, here is what changed for a self-funded client.

Case study

One self-funded employer, ten months

Over 70% lower GLP-1 costs. 69% less medication. 85% engagement, 97% member satisfaction and break-even in year one.

Results from one self-funded employer over ten months. Not representative of all clients.

IMAGE PLACEHOLDER: case study visual (new imagery coming)
What members say

The benefit employees thank their employer for

"I originally thought having to speak with a coach would be inconvenient and not very helpful. But I've been pleasantly surprised."

Member at a self-funded employer

"The program has given me practical tools and encouragement to focus on healthier habits in a way that feels realistic and sustainable."

Member at a self-funded employer

"I am so incredibly thankful that my employer provides us with the option to join Embla."

Member at a self-funded employer

Shared by members of an Embla client. Individual experiences vary.

Fewer vendors over time

Fix the trunk, not another branch

Excess weight sits upstream of type 2 diabetes, high blood pressure and joint pain. Most benefits stacks add a separate vendor for each of those. Embla works on the cause, with coaching first and medication only when a clinician finds it appropriate.

Get the trunk right and some of the branches stop needing their own vendor. That gives you a sharper question at every renewal: which point solutions are treating the same root cause?

65%

of members with a BMI of 40 or higher moved out of that category

70%

fewer side effects

85%

member engagement

Results from one self-funded employer over ten months. Not representative of all clients.

Easy to implement

What happens after your client says yes

Fully managed by Embla, live in 7 days, with minimal lift for you or the HR team.

1

Carved out of the PBM

GLP-1s for weight loss run through Embla instead of the PBM. No plan redesign, no carrier negotiation.

2

Live in a few weeks

Your client sends an eligibility file. Embla handles setup and launch materials, including emails, postcards and QR codes that send employees to a dedicated enrollment page.

3

Current GLP-1 users move over

Employees already taking a GLP-1 for weight loss move into Embla, where an independent licensed clinician evaluates their treatment.

4

Coverage tied to engagement

Clients can make GLP-1 coverage conditional on staying in the program, a guardrail more employers are adding.

Read more about implementation →
IMAGE PLACEHOLDER: launch materials or onboarding (new imagery coming)
Pricing

Pricing that rewards lower doses, not higher ones

Predictable for your client, easy for you to defend in a renewal meeting.

Medication included

One fixed fee per engaged member covers coaching, clinical care through independent licensed clinicians, and medication. Embla carries the medication risk.

Aligned incentives

Because medication sits inside the fee, Embla is paid to keep doses at the lowest effective level and to taper. Open-ended coverage rewards the opposite.

Up to half the GLP-1 cost

Embla cuts GLP-1 costs by up to half, based on the dose data in the published TRIM study. Clients pay only for employees who actively use the program.

Not ready for a call?

Everything you need to bring Embla to a client

Forward it as is, or use it to build your own recommendation.

Case study

One employer, ten months

Costs, medication use, engagement and satisfaction from a self-funded client.

Get the case study →
Research

The TRIM study

2,694 members, 64 weeks, published in Diabetes, Obesity and Metabolism.

Read the study →
Guide

The GLP-1 playbook

How self-funded employers make GLP-1 coverage sustainable.

Get the playbook →
Broker FAQ

Questions your clients will ask

Straight answers, so nothing catches you off guard in the meeting.

Ask us anything else →

Does this replace the medical plan or PBM?

No. Embla is a carve-out for weight care. The medical plan and PBM stay as they are, and GLP-1s for weight loss run through Embla.

Can every PBM contract accommodate a carve-out?

Weight loss carve-outs are straightforward for self-funded plans. Some PBM contracts restrict carve-outs for diabetes medication, so we review the contract with you before launch.

Do members have to take medication?

No. EmblaThrive is coaching only. Medication is prescribed only when an independent licensed clinician finds it appropriate.

What happens when members come off medication?

Tapering is structured, begins at month 16 and is supported by coaching. Embla Embrace helps members keep their results afterwards.

Is the TRIM data independent?

No, and we say so up front. TRIM is Embla's own study, peer-reviewed and published in Diabetes, Obesity and Metabolism in 2025.

How does my client keep the budget predictable?

One fixed fee per engaged member, medication included. Clients can also tie GLP-1 coverage to program participation, so spend follows real engagement.

Get started

Walk into your next renewal with a GLP-1 answer

Tell us which clients are asking about GLP-1 coverage. We'll show you how Embla fits their plan, what it costs and what launch looks like.

You'll talk to people who know your side of the table
PHOTO
Claudia Kraut
Consultant relations. 30 years across US health plans and digital health distribution.
PHOTO
Brad Kabb
Sales, western and central US.
PHOTO
Paul Elsass
VP Business Development.

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