TechHaloAI Benefits Intelligence for TPAs, Brokers & Mid-Market Employers
Meet SKY: The AI Benefits Genius Who Turns Insurance Into a Common-Sense Conversation
TechHalo's Halo360 middleware sits on top of your existing stack and delivers results your members, your clients, and your CFO will all notice.
SKY is not a chatbot. She's an AI Benefits Genius who knows your members' plans, speaks their language, and guides them through enrollment, via AI voice, SMS, and web, 24 hours a day. Powered by Halo360, TechHalo's intelligent middleware, SKY integrates with your existing TPA systems, carrier feeds, and HRIS platforms. No rip and replace. No 18-month implementation.
These are the numbers from clients in the field, not projections.
“We have increased participation by 10–20% in most enrollments and the operations in our call center have never been more efficient. The Halo360 platform is able to provide instant gratification to 65% of our calls without human interaction, allowing us to scale without scaling headcount. The simplicity to the end user is amazing.”
The SKY Platform
How It Works.
Three Steps. Total Transformation.
From enrollment to service to insight, SKY runs the full lifecycle of benefits management so your team doesn't have to.
Smarter Enrollment
SKY analyzes each employee's life profile and maps a billion data points to recommend the right plan, not the cheapest one. Employees feel heard. Participation soars.
Instant Service
Post-enrollment, SKY handles the "Big 5", ID Cards, Coverage Checks, Pre-Auths, Provider Search, and Claim Status, instantly, across every channel, 24/7.
Instant Intelligence
Ask SKY anything about your data in plain English or Spanish. No reports to build. No carrier hold times. Real answers in seconds, so you can make decisions, not dig for data.
Built For You
Is Halo360 Right for You?
SKY was designed from the ground up for the people who live inside the complexity of benefits every day.
Brokers & Agents
Stop negotiating on price! Bring SKY to the table first. Replace manual enrollers, reduce your operating costs by 35%, and become the most innovative broker in the room.
TPAs & Administrators
Handle the "Big 5", most common service calls, without human intervention. Deflect 65% of inbound call center volume overnight. Scale your book of business without scaling your headcount.
Mid-Market Employers
Primarily managing hourly or gig workers? SKY speaks their language, SMS and voice, and meets them where they are. Higher participation means a healthier, more productive workforce.
Smarter Enrollment, Math Based Selection Tool
Don't be a Number.
Make the Numbers Work for You.
We don't just offer plans; we offer Decision Certainty. SKY maps a billion data points to treat insurance as a financial benefit, not just a monthly expense.
SKY, LIVE RECOMMENDATIONSince you're an LA commuter, life-odds show a 22% higher risk of fender-benders. Choosing Premium+ saves you $1,200 annually by stacking the odds in your favor.
SKY doesn't just list plans; it explains the Break-Even point. We help employees feel heard and understood by translating complex jargon into a personal financial strategy.
Halo360 Service Engine
World-Class Service.
Instant Gratification.
Automate 65% of routine requests instantly. No hold music. No frustration. Every channel, every time.
- AI Benefits Concierge: Instantly handles the "Big 5", ID Cards, Check Coverage, Pre-Authorization, Find a Provider, and Claim Status, as well as Enrollment.
- Omni-Channel: AI-Voice, SMS, and Web.
- Smart Sequencing: Hand off from AI to live agents with full context only when it matters.
- Governed AI: Predictive, compliant, and secure (PI/PHI) 24/7.
Fear, Uncertainty, and Doubt (FUD) are the old ways of selling. 20-page PDFs and "call the 1-800 number" are gone. The result: You save on operating costs while your clients' employees feel like they have a 24/7 concierge.
Conversational Analytics
Information is Power.
Answers are Instant.
Data becomes instant information. No programming. No carrier hold times. Just ask SKY.
Middleware Magic
65% Fewer Inquiries.
Zero "Rip and Replace."
Halo360 is the API middleware that connects to your secure backend. This avoids the difficult and costly challenges most companies face when contemplating upgrading or changing fragmented legacy systems. We consolidate all benefits info into one simple self-service dashboard to handle the mundane tasks, ID cards, provider searches, general coverage questions, enrollments, and pre-auths, so you can focus on the human.
TechHalo360 connects to over 250 providers and legacy systems.
Why Brokers Win
The SKY Advantage.
Your Competitive Edge.
Leapfrog the Competition
Be the first to bring "SKY" to the table. Replace "Buckle-to-Buckle" enrollers with AI efficiency.
Increase Your Margins
Reduce internal operating costs by 35% through automated deflection.
Protect the Asset
Align with clients by taking better care of their most valued asset: their people.
The Clear Choice
Out with the Old.
In with the New SKY Way.
One creates friction. One removes it. The math is simple.
| Feature | The Old Way (Static) | The SKY Way (Dynamic) |
|---|---|---|
| Logic | "Pick a plan and hope" | Math-based "Life Odds" Decision Engine |
| Experience | Frustrating & Vague | "Best Friend" tone & Instant clarity |
| Setup | Heavy "Rip and Replace" | API Middleware |
| Impact | High churn & manual work | Higher participation & satisfaction |
ROI Calculator
See Your Savings in Real Time.
Adjust the sliders below to see what Halo360 could save your organization based on industry averages and our client results.
Getting Started
Three Steps to
Transforming Your Benefits.
No rip-and-replace. No long implementation timelines. Most clients are live within a few weeks.
Book a Strategy Session
30 minutes with our team. We'll map your current workflow, identify the biggest cost centers, and show you exactly what SKY would automate for your business.
API Connection & Configuration
Our team connects Halo360 to your existing backend via API, no rip-and-replace required. We configure SKY to your plans, carriers, corporate guardrails, and client workflows.
Launch & Watch Participation Climb
SKY goes live across all channels. Your call center volume drops. Enrollment participation rises. And your clients start calling you their favorite broker.
Get in Touch
Let's Start the
Conversation.
Ready to see SKY in action? Reach out to our team directly and we'll get you set up with a personalized strategy session.
Security & Compliance
Vault-Grade Protection.
30 Years of HRTech Integrity.
We don't just follow security protocols; we built our foundation on them. With three decades of experience managing PII and PHI in the HRTech space, we understand that trust is the only currency that matters in insurance.
SOC 2 Type II In Progress
TechHalo has built its infrastructure to SOC 2 Type II standards and is actively pursuing formal SOC 2 Type II certification. Security readiness documentation is available to qualified prospects under NDA.
HIPAA & HITECH Compliant
Every byte of PHI (Protected Health Information) is handled according to federal standards, ensuring total privacy and regulatory alignment.
Military-Grade Encryption
We utilize AES-256 bit encryption at rest and TLS 1.3 in transit. Your data is scrambled and unreadable to anyone without explicit, validated authorization.
How the API Stays Secure
We never assume a user is who they say they are. Every request through the Halo360 interface requires multi-factor validation against your secure backend.
We only "view" the data necessary to provide the "Life Odds" calculation or perform the task. We don't store what we don't need.
Our environment is monitored 24/7/365 with AI-driven threat detection to stop intrusions before they begin.
We've Been Protecting PII/PHI Since Before it was a Buzzword.
"Security isn't a feature we added; it's our heritage. Having spent 30 years in the trenches of HRTech, we've navigated the evolution of data privacy from paper files to the cloud. We apply that deep institutional knowledge to ensure SKY Vantage is the most secure middleware in the supplemental insurance market."
Even your analytics are locked down. SKY only answers authorized questions.
FAQ
Benefits AI questions
What is AI benefits middleware?
AI benefits middleware is a software layer that sits between a company's existing insurance and HR systems, such as TPA platforms, carrier data feeds, and HRIS systems, and the member-facing experience. It connects them, processes their data, and powers intelligent member interactions through AI voice agents, SMS, and web tools, without replacing existing systems. TechHalo's Halo360 is an example of AI benefits middleware built specifically for TPAs, brokers, and mid-market employers.
What results do TechHalo clients see?
TechHalo clients report a +16% improvement in participation rates, 65% inbound call deflection, and a 35% reduction in member service costs. Benefits in a Card (BIC), a TechHalo client, achieved 10-20% participation increases across most enrollments and 65% call deflection without adding headcount, according to Founder and CEO Carl Stecker.
What is Decision Certainty in employee benefits?
Decision Certainty is TechHalo's proprietary enrollment methodology. Rather than presenting members with a list of plan options, SKY, TechHalo's AI Benefits Advisor, maps the member's lifestyle, health usage patterns, and financial situation against 1 billion+ data points to identify a mathematically optimal benefits selection. The result is a specific, math-backed recommendation that eliminates enrollment guesswork. TechHalo clients report 10-20% participation improvements in most enrollments as a result.
How does an AI voice agent work for TPA member services?
An AI voice agent for TPA member services answers incoming member calls using natural language understanding. It retrieves ID cards, performs provider searches, explains benefits, confirms coverage, and guides enrollment, without a human agent. TechHalo's SKY AI voice agent deflects 65% of inbound member service calls, freeing TPA staff to focus on complex cases that require human judgment.
Is TechHalo HIPAA compliant?
Yes. TechHalo Labs is HIPAA compliant. The Halo360 middleware platform and SKY AI Benefits Advisor are built to meet the security and privacy standards required for handling protected health information in insurance and benefits environments. Business Associate Agreements are available for all TPA and broker clients.
Is TechHalo SOC 2 certified?
TechHalo has built its infrastructure to SOC 2 Type II standards and is actively pursuing formal SOC 2 Type II certification. Security readiness documentation is available to qualified prospects under NDA. TechHalo is HIPAA compliant today.
Do I need to replace my existing TPA or carrier system to use TechHalo?
No. TechHalo's Halo360 platform is middleware, it integrates with your existing stack without requiring replacement. As Benefits in a Card CEO Carl Stecker describes it, TechHalo allowed his organization to scale without scaling headcount, precisely because the platform works alongside existing systems rather than replacing them.
What tasks can SKY handle via AI voice and SMS?
SKY handles the most common, high-volume member service requests: ID card retrieval, provider searches, benefit explanations, coverage confirmation, open enrollment guidance, and plan comparison. These tasks account for 65% of inbound member service volume across TechHalo deployments.
What is the ROI of deploying an AI benefits advisor like SKY?
TechHalo clients report three primary ROI drivers: a 35% reduction in member service costs, a +16% improvement in participation rates, and 65% inbound call deflection that allows teams to scale without adding headcount. Benefits in a Card reports 10-20% participation gains in most enrollments and describes their call center operations as 'never more efficient' following SKY deployment.
What makes TechHalo different from a generic AI chatbot?
Generic AI chatbots answer questions from a static knowledge base. SKY integrates with live TPA systems and carrier data through Halo360 middleware, takes action (retrieving real ID cards, performing live provider searches), and delivers personalized enrollment recommendations through the Decision Certainty engine. TechHalo was founded by David and Maryann Johndrow, who built HRLogix, which served 380+ regulated organizations at 78% EBITDA, and brings 30 years of HRTech experience to benefits AI.