For carriers
One endpoint. Every broker on the network.
Upload your companion guide, paste your SFTP credentials, pass three sandbox tests. Files from every Velora-connected broker route to the endpoint you already have. Free for carriers, forever.
The enrollment layer · built 2026
Velora is the connective tissue between the systems that manage employees and the carriers who cover them. Send us whatever shape your data is in. AI renders it, contract-tests it, transmits it, and reconciles the acknowledgment — without an integration engineer on either side.
Upload your companion guide, paste your SFTP credentials, pass three sandbox tests. Files from every Velora-connected broker route to the endpoint you already have. Free for carriers, forever.
The carriers you name are usually already on the network — or they self-onboard in half an hour. You ship enrollments; we route. No per-carrier certification, no re-negotiating trading partner IDs.
Manage hundreds of employer groups across dozens of carriers. AI maps each export shape; we keep the trading partner relationships live. Per-tenant audit log, per-tenant billing, single dashboard.
Ben-admin, HRIS, payroll. Our mapping engine takes any record shape. AI proposes a translation on first sample; we auto-confirm the high-confidence ones. Contract-tested before a single live record runs through it.
Every EDI shop sells you a connector. We’re selling you the connectionitself — the place where every carrier and every benefits platform shake hands, and the intelligence that keeps that handshake working when the data underneath keeps changing.
Benefit enrollment and maintenance — the core of every broker-to-carrier transmission. Generated, signed, transmitted, and acknowledged with TA1 + 999.
Claim payment and remittance advice. Parsed, reconciled, surfaced in your inbox with segment-level error detail.
Real-time inquiry and response. Ask a carrier if a member is covered; get a structured answer in seconds.
Professional, institutional, and dental claim submissions. Full X12 5010 compliance; auto-corrected rejections retried in-flight.
Claim status inquiry and response. Poll on your schedule; we surface each claim’s state through your webhook feed.
Premium payment transmission. Generated from your billing source of truth, routed to the payer, acknowledged with cash-application detail.
Companion-guide-aware configs covering every major U.S. carrier — Aetna, Anthem, Blue Cross plans, Cigna, Kaiser, UnitedHealth Group, and 34 more.
Per-carrier reference files used to lock the X12 generator against regression. Every commit re-runs the matrix; no carrier-format drift slips through.
4,277 backend tests + 549 portal tests, including AI mapping verification, X12 generator round-trips, and end-to-end SFTP transport over a mock server.
AES-256-GCM encryption on every PHI field. TLS 1.2+ in transit. PGP-wrapped SFTP transport with host allowlist. BAA included on every paid plan.
Every admin action and every PHI access cryptographically chained. Migration 0012. Tamper-evident by design — not just append-only.
Companion-guide parser (Claude reads PDF guides into validation rules), flat-file discovery (auto-generated parsers from sample files), anomaly alerter (rejection-rate spike + novel reason codes + volume anomaly).
Path B identity engine handles the edge cases that break everyone else: member mergers, divorced-dependent-becomes-subscriber, cross-tenant continuity. Behind a flag until first qualifying customer.
Full OpenAPI 3.1 spec for every customer endpoint. TypeScript SDK type stubs published. Webhook signing playground for subscriber verification.
Idempotent scrubber for the test-data window before any real member record lands. Data-state document flips to real-data-bearing once carrier #1 signs.
LOI → BAA → cert exchange → dry-run upload → 999/TA1 ack pull. Connection-health monitor live; webhook delivery flag flipped against a real subscriber.
Ask Velora to walk you through your companion-guide upload, your SFTP setup, your first sandbox 834. Vapi-powered voice agent with full call-recording audit.
Operator decision pending: certification ($15–30K, 2–4 mo) or formal skip-with-doc + per-carrier impact map. Most carriers don’t require it; some do.
Member-merger and divorced-dependent edge cases live for first qualifying customer. Identity primitive shipped; flag flips on first signal.
Walk through the 5-minute demo, or pick the door that fits your seat at the table.