CASE STUDY

How Diapers, Wipes, and Data Saved This School $150,000

Harpeth Hall transforms a high-risk maternity trend into a “Win-Win-Win” for expectant mothers and the school’s bottom line.

AT A GLANCE

Organization:

Harpeth Hall (Independent Girls’ School)

Location:

Nashville, TN

The Problem:

High-cost maternity claims (up to $100k per delivery) threatening tuition stability.

The Solution:

A voluntary “Maternity Concierge” program with bundled pricing and a “Diaper Bonus.”

Total Annual Savings:

$150,000+ in the first year of the program.

Per-Claim Savings:

$50,000 reduction in cost per maternity event.

Employee Value:

$4,000 incentive (free diapers/wipes) for participating families.

THE CHALLENGE

The Rising Cost of the “Mission”

As a non-profit, Harpeth Hall lives by the mantra: No margin, no mission. With health insurance costs rising 4-5x faster than standard inflation, the school faced a difficult choice: raise tuition or cut employee benefits.

The Data Gap: Under their old plan, they couldn’t see why costs were rising—only that they were.
Concentrated Risk: Once they gained transparency through Captivated Health, CFO Tom Murphy discovered that 3 out of 5 large claims were related to maternity care.
High-Stakes Deliveries: In the Nashville market, even a “normal” delivery could cost the plan up to $100,000

THE SOLUTION

The Maternity Concierge & Bundled Care

Instead of asking employees to pay more, Harpeth Hall used the Captivated Health platform to “squeeze out the inefficiency” and reinvest it in their people.

Direct Contracting: The school negotiated a bundled, fixed-price contract with Vanderbilt University Medical Center for world-class maternity care.
12-Month Concierge Service: Participants receive comprehensive care covering the nine months of pregnancy plus three months postpartum.
The “Diaper Incentive”: To encourage enrollment in this high-quality, lower-cost path, the school used a portion of the savings to provide free diapers and wipes for a full year—a $4,000 after-tax value for young families.

THE RESULTS

“Instead of giving their employees less each year to lower the ‘less bad’ renewal, they provided more benefit at a lower cost.”

1. Immediate Fiscal Impact

By steering to a bundled care model, the school saved approximately $50,000 per maternity claim, totaling $150,000 in savings in the first year alone.

2. Protecting Tuition & Margins

In the education sector, every 10% increase in health costs typically forces a 1% increase in tuition. By controlling these claims, Harpeth Hall protected its families from unnecessary tuition hikes.

3. A Competitive Recruitment Tool

The “free diapers and wipes” incentive became a legendary internal benefit. It proved that the school cared about the “real-life” expenses of its faculty, making Harpeth Hall a premier employer for young educators.

THE TAKEAWAY

Healthcare is the second-largest expense behind payroll. Harpeth Hall proved that when you have the data to see where your money is going, you can stop “spending” and start “investing.” They transformed a liability into a clinical and financial asset.