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ROI Analysis and Implementation Brief

Sunny Network Navigator

ROI Analysis and Implementation Brief

ROI Analysis 2026
$17M–$19M
Estimated annual savings per 1M members
21x–24x
ROI based on $1 per utilization

✓ Straightforward 4-step implementation

Summary

We estimate that Sunny Health AI's Network Navigator unlocks $17M to $19M annual savings per 1M members from incremental medical steerage, equating to 21x–24x ROI based on $1 per utilization pricing and 10% member engagement. Implementation of Network Navigator is a straightforward 4-step process.

$17M–$19M
Estimated total annual savings per 1M members at 10% engagement
21x–24x
Effective ROI at $1 per utilization

Out of scope for this ROI analysis

  • Dental steerage
  • Productivity gains (e.g., work time and mental workload saved during provider search and scheduling)
  • Downstream avoided sick care due to earlier access

Network Navigator estimated annual savings

The table below reflects estimated annual savings per 1M members at 10% member engagement, with each engaged member utilizing the Sunny platform an average 8 times annually (for self and dependents). Each steerage path captures a distinct category of cost reduction driven by directing members toward higher-value care settings and providers.

Steerage path Healthcare service Navigator (N) Control (N) Incr. (N) Savings / incid. Total / 1M members
Out-of-network → in-network providers In-person physician visits 158,720 138,880 19,840 ↑ $170 $3.37M
Lower cost providers (same specialty) Specialist + primary care visits 46,592 29,120 17,472 ↑ $95 $1.66M
Specialist → primary care All specialist visits 14,080 9,600 4,480 ↑ $190 $0.85M
In-person visit → virtual care All ambulatory visits (office + virtual) 46,080 13,824 32,256 ↑ $135 $4.35M
PBM → discount card / self-pay prescriptions Prescription fills (retail + mail order) 37,440 14,400 23,040 ↑ $40 $0.92M
Hospital → free-standing radiology Outpatient radiology services 6,640 4,800 1,840 ↑ $325 $0.60M
Hospital → ASC surgeries Outpatient surgeries (all settings) 4,080 2,944 1,136 ↑ $1,650 $1.87M
In-network pharmacies Pharmacy transactions (retail network) 87,040 71,680 15,360 ↑ $55 $0.85M
ER → urgent care Acute lower-acuity episodes (ER + urgent care) 4,224 2,560 1,664 ↑ $600 $1.00M
In-network labs Outpatient / office-based lab tests 44,928 34,560 10,368 ↑ $240 $2.49M
Total Estimated Annual Savings — 10% Engagement, per 1M members $17.96M

Implementation — high level

Network Navigator is designed for rapid deployment. The following four steps outline everything required to go live.

1

Allow Sunny Health to access your provider directory API

Grant Sunny Health AI access to your provider directory API so the concierge can query real-time, accurate in-network provider data on behalf of your members.

2

Setup authentication using OAuth 2.0 and get your API keys from Sunny Central

Configure secure OAuth 2.0 authentication and retrieve your partner API keys directly from the Sunny Central dashboard.

3

Download our npm package and add the Sunny agent code snippet to your website frontend

No backend work necessary. Simply install the npm package and drop the snippet into your existing frontend.

import { createSunnyChat } from '@sunnyhealthai/agents-sdk';

const chat = await createSunnyChat({
  container: document.getElementById('chat'),
  partnerIdentifier: 'example-carrier',
  publicKey: 'YOUR_PUBLIC_KEY', // from API Keys section below
  authType: 'tokenExchange',
  idTokenProvider: async () => {
    // Return your user's current ID token
    return localStorage.getItem('id_token');
  },
});

// Clean up when unmounting
// chat.destroy();
4

Try it out!

Once deployed, the Sunny concierge is embedded directly in your member-facing experience. Members can search for in-network providers, get instant recommendations, and schedule appointments — all within your existing site. The concierge supports multiple configurations including branded prompt chips, layout, palette, and tone.

SDK showcase

Once deployed, the Sunny concierge is embedded directly in your member-facing experience. Each configuration below is the same SDK with a different concierge setup — branded prompt chips, layout, palette, and tone.

Find a network doctor near you

From primary to specialty care, you'll save an average of 43%* when you see a provider in Meridian Health's network.

SDK showcase

Embedded concierge states

Each tab below is the same SDK with a different concierge configuration.

Meridian Concierge Warm Welcome Night Mode

Soft brand match

A clean embedded concierge panel for provider discovery with branded prompt chips and a calm support tone.

I'm your Care Concierge. I can help you book visits with any Meridian Health network doctor. Give it a try.

Ask me anything about finding doctors...
I need a primary care visitI need to see a specialistView or change my appointment Powered by Sunny Health AI

SDK showcase — live chat response

What doctors are nearby for a knee evaluation?

For a knee evaluation, the right specialist is usually an orthopedic surgeon. I found these nearby in-network options on your Meridian Health PPO CareSelect Preferred plan:

  1. 1. Dr. Kelly Leong — Orthopedic Surgeon
    Gough Street Orthopedic Associates
    90 Gough St, San Francisco, CA 94102
    (415) 706-7687
  2. 2. Dr. Dustin Wirig — Orthopedic Surgeon
    Bay Area Orthopedic Group
    2001 Union St Ste 420, San Francisco, CA 94123
    (415) 921-4090
  3. 3. Dr. William On — Orthopedic Surgeon
    Union Square Bone & Joint Center
    2001 Union St Ste 420, San Francisco, CA 94123
    (415) 921-4090
  4. 4. Dr. Kelly Leong — Orthopedic Surgeon
    Van Ness Sports Medicine & Orthopedics
    1810 Van Ness Ave, San Francisco, CA 94109
    (415) 706-7687
  5. 5. Dr. Karishma Shah — Orthopedic Surgeon
    Valencia Orthopedic Center
    3532 20th St, San Francisco, CA 94110
    (415) 643-6424

If you'd like, I can also show more options.

Please select a provider or ask me to schedule with the earliest available one.

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