Each layer is a coherent offering on its own; each layer contains the previous. Customers enter where they are and expand on their timeline.
Layer 1
Foothold
CMS-0057-F FHIR APIs in your Azure, AWS, or GCP this year. Your core stays authoritative, so the compliance spend is not a throwaway sidecar.
Who enters hereA payer locked into QNXT, HealthEdge, Facets, or a comparable legacy core, staring down the CMS-0057-F deadline, who needs a compliance surface stood up in weeks without a platform-rebuild project.
What’s includedPatient Access, Provider Directory, Prior Authorization (CRD → DTR → PAS), and Payer-to-Payer APIs. SMART-on-FHIR scope enforcement at the resource-type level. Ships as Helm into your existing Kubernetes cluster or Azure AKS. Read-mostly — your core admin remains system of record.
Commercial shapeSmall annual subscription priced PMPM, weeks-to-deploy. Pilot-specific terms negotiated per engagement.
Where most payers start. Pilot-scoped entry point — an indicative PMPM starting range is shared during discovery, sized to your membership and CMS-0057-F scope. No platform-rebuild commitment required.
Layer 2
Domain cutover
Move one operational domain off the core without a rip-and-replace program. The core remains system of record for everything not cut over. Reversible.
Who enters hereA payer frustrated with their legacy core’s license cost, innovation pace, or integration friction, with a CTO willing to commit to multi-year modernization only if the risk is contained one domain at a time.
What’s includedDomain-by-domain migration with per-tenant, per-domain operating mode — Augment (legacy authoritative, CHO calculates in parallel for comparison) or Replace (CHO authoritative, legacy off the critical path). Appeals is the lighthouse domain shipped end-to-end today.
Commercial shapeMulti-year, priced PMPM and per domain. New domains are amendments, not renegotiations.
Layer 3
Core
When, if ever, is Cloud Health Office the claims ledger? Only when you choose.
Who enters hereMA startups and new-license plans with no legacy platform; small regional Medicaid plans whose existing platform cannot meet new requirements; mid-market commercial plans finishing a Layer 2 journey by turning their legacy core off entirely.
What’s includedThe full cloud-native CAPS — 36 services, 9 adjudication and rules engines, Argo-orchestrated adjudication pipeline, EDI ingress and egress (270/271/275/276/277/278/834/837), multi-tenant throughout. Ready for customer-owned validation with honest disclosure of remaining gaps (reference customer, scale testing, portal polish) discussed openly with pilot partners.
Commercial shapeLarger engagement, multi-year, priced PMPM. First production deployment terms reflect both the advantage of being first and the cost structure a cloud-native architecture supports.
A path, not a completed replacement. Layer 3 is not a claim that a live QNXT book has already moved, and not a big-bang HealthEdge-style program.