Building the Future of Dental Benefits
We're working to provide the most affordable health and wellness coverage options for employers and their employees – starting with dental.
We are the first and only modern, mobile-first platform for Employer Direct Reimbursement Benefit Plans.
Transparent & Frictionless Benefits
Our vision is to build a transparent, frictionless health and wellness benefits administration platform, which minimizes administrative expense and uses price transparency to help consumers get high quality, affordable care.
Minimize Costs
Reduce administrative overhead and eliminate unnecessary expenses
Price Transparency
Empower consumers with clear pricing information
Meet Our Team
Led by experienced healthcare and technology leaders with decades of combined expertise
Zain Jafri
Co-Founder & CEO
Zain Jafri is Co-Founder & CEO of ClariFi. Over the course of his career, he has held various consulting and executive leadership roles across several Health Tech, Healthcare Analytics, and Consulting organizations. He started his career at HealthScape Advisors – a healthcare focused consulting firm. He was also a founding team member of Pareto Intelligence, where he went on to lead the Product & Analytics group. Pareto was acquired by Convey Health Solutions in 2018 where he was most recently VP, Innovation & Analytics. Zain has spent the past 15 years in healthcare and has worked with 40+ insurers across dental, vision and medical.Zain Jafri is the Co-Founder and CEO of ClariFi. Throughout his career, he has served in consulting and executive leadership roles across HealthTech, healthcare analytics, and advisory organizations. Zain began his career at HealthScape Advisors, a healthcare-focused consulting firm, before becoming a founding team member at Pareto Intelligence, where he ultimately led the Product & Analytics organization. Following Pareto's acquisition by Convey Health Solutions in 2018, he continued as VP of Innovation & Analytics
Hasim Hairlahovic
Co-Founder & CTO
Hasim Hairlahovic is the Co-Founder and CTO of ClariFi. He brings deep expertise in designing and deploying Generative AI and Agentic AI solutions powered by Large Language Models and advanced Machine Learning techniques. With more than twelve years of experience across technical, data, and engineering leadership roles, Hasim previously served as Cybersecurity Data Lead at Allstate Insurance and as a Data Analytics Lead at Protiviti. He is an AWS Certified Machine Learning Specialist and AWS Certified Solutions Architect, with a strong track record of building scalable, production-grade AI systems.
Chip Huffman
Advisor, Go-to-Market
Chip Huffman is a seasoned executive with more than two decades of leadership in the dental and vision insurance industry. He has held senior roles at organizations including Delta Dental of Illinois, Dental Select, and Dental Network of America (BCBS), where he led national expansion initiatives, launched innovative dental products, and grew membership by millions. Most recently, Chip served as Chief Sales Officer at BENTO Dental, where he oversaw go-to-market strategy for a modern, digital-first dental benefits platform.
Got Questions?
Find answers to common questions from employers and employees
For Employers
Everything you need to know about implementing ClariFi
Are you an insurance company?
No — ClariFi is not a dental insurance company. We provide a modern technology platform and administrative services that allow employers to offer self-funded Direct Reimbursement dental plans. You pay a low monthly administrative fee, and your company only pays for the actual services your employees use.
How do employees pay for dental services?
ClariFi issues each employee a virtual payment card that works through a Digital Wallet application, such as Apple Pay or Google Pay. Employees pay at their dentist just like a normal card swipe or tap. Your company pre-funds an account monthly so that employee visits are fully covered according to your plan design.
How will I ensure funds are used for valid dental services?
ClariFi ensures funds are used appropriately through:
- Virtual cards restricted to dental providers
- Real-time validation of ADA procedure codes
- Customizable rules for spend limits and covered services
- AI-based monitoring of billing patterns
- Instant card freezing if misuse is suspected
You get strong safeguards without the complexity of traditional claims processing.
How are employee copays handled?
If your plan includes cost-sharing:
- ClariFi automatically calculates the copay or coinsurance
- The employee portion is charged to their personal card or bank account
- The employer portion is charged to the employer-funded account
Employees never submit claims or paperwork.
Will we still get discounts without a traditional provider network?
Yes. ClariFi replaces networks with a transparent marketplace:
- Employees see real prices based on what others paid
- Providers can offer direct discounts or promotions
- Discounts grow as more users join the platform
This achieves network-level savings without restricting employee choice.
What providers can employees see?
Any dentist. There are no networks and no "out-of-network" penalties. Employees choose freely using ClariFi's price transparency and provider finder tools.
Do I need a third-party administrator (TPA)?
No. ClariFi provides full end-to-end administration, including onboarding, eligibility, payments, and support.
Who is ClariFi best suited for?
ClariFi is ideal for employers that:
- Have at least 150 employees participating in their dental plan
- Want to reduce dental benefits costs
- Want a better employee experience than traditional carriers provide
What level of savings should we expect?
Most employers see 15–30% savings versus fully insured plans, driven by:
- Eliminating carrier premium loads
- Paying only for care actually used
- Improved transparency and provider discounts
- No network-related waste or surprises
For employers who are already self-funding dental benefits, our prices are competitive with other TPAs – with the built-in benefits of improved transparency, provider discounts and improved employee experience.
What kind of reporting and analytics does ClariFi provide?
The employer dashboard includes:
- Real-time spend and utilization
- Provider usage patterns
- Benchmarking
- Exportable reports for finance, HR, and brokers
This gives you complete visibility into benefits performance.
How does ClariFi prevent fraud or misuse?
Fraud is minimized using:
- Merchant category (MCC) restrictions
- Procedure code validation
- AI/ML-driven monitoring and anomaly detection
- Spend caps and rule-based controls
- Instant card disabling
All of this happens automatically, without burdening your HR team.
What happens if an employee leaves the company?
Upon termination:
- Their virtual card is immediately deactivated
- Remaining funds stay with the employer
- The employee keeps access to past receipts but cannot make new payments
No manual claims or reconciliation are required.
What implementation timeline should we expect?
Most employers go live in 2–4 weeks, including:
- Plan setup
- Eligibility integration
- Card provisioning
- Employee communications
ClariFi assigns a dedicated onboarding specialist to streamline the process.
Is ClariFi HIPAA compliant?
Yes. ClariFi complies with HIPAA and HITECH and uses:
- Encrypted data storage and transmission
- Audited secure cloud infrastructure
- Role-based access control
- Routine security testing
Protecting health and financial data is core to our platform.
How does ClariFi handle disputes or billing issues?
If a billing issue occurs:
- ClariFi reviews the transaction
- Validates codes and eligibility
- Contacts the provider as needed
- Issues adjustments or refunds
Employees and HR teams are not responsible for resolving disputes.
How much internal HR effort is required to manage ClariFi?
Very little. HR's role is typically limited to:
- Approving plan design(s) and plan documents
- Maintaining eligibility (or using automated feeds)
- Approving monthly funding amounts
- Reviewing periodic reporting
ClariFi handles all member questions, provider issues, and daily operations.
How do you support employees if they have questions?
Employees get multi-channel support through:
- In-app chat
- Phone and email support
- Step-by-step onboarding
- Guides for first-time use
This keeps HR out of day-to-day troubleshooting.
For Employees
Learn how ClariFi makes dental benefits simple
Is there a provider network?
No — you can see any dentist you want.
How do I pay for dental services?
Use your virtual ClariFi card through your preferred digital wallet application, such as Apple Pay or Google Pay. Tap, pay, and snap a quick picture of your receipt in the ClariFi app.
How do copays work?
If your employer requires cost sharing, ClariFi makes the process simple:
- After your visit, you take a photo of your receipt in the ClariFi app.
- ClariFi automatically calculates your portion based on the procedures on the receipt.
- Your personal card is charged for your share.
- The remaining amount is charged to your employer-funded account.
The process takes less than a minute, and there are no claim forms or paperwork — just a quick photo upload.
Do I need to submit a receipt every time?
Yes. For dental visits paid with your ClariFi card, we ask that you upload a photo of your receipt in the ClariFi app. This ensures your visit is recorded correctly and your copay is calculated accurately. Uploading a receipt usually takes under 30 seconds.
What if I forget to upload a receipt?
If you forget to upload a receipt, don't worry — ClariFi will send gentle reminders until you submit it. Your benefit won't be lost, but your visit may not be fully processed until we receive the receipt. We designed reminders to be simple and non-intrusive so you can complete the step whenever it's convenient.
How long do I have to upload a receipt?
Most receipts should be uploaded within 7 days of your visit. If you need more time, you can still upload it later — your benefits won't disappear. However, timely submission ensures your copay is calculated correctly and prevents overcharges to you.
What happens if I lose my receipt?
If you lose your receipt:
- Most providers can email you a copy in minutes.
- If that's not possible, submit what you have through the app and ClariFi will contact the provider on your behalf.
You won't be penalized for misplacing a receipt — we help you fill in the gaps.
Why does ClariFi require a receipt if I paid with the ClariFi card?
The receipt provides:
- The exact procedures performed
- Procedure codes
- Visit details needed to calculate employer and employee portions accurately
It's a simple step that keeps your benefits running smoothly and prevents errors or overcharges.
Can my provider submit the receipt directly to ClariFi?
Not at this time. Because not all dental offices use compatible systems, ClariFi uses a quick photo upload to ensure consistency. We're exploring future provider integrations to make this automatic.
Does submitting a receipt delay payment?
No. Your provider is paid instantly at checkout using your ClariFi card. The receipt is only used afterward to finalize how costs are split between you and your employer.
What happens if I submit the wrong receipt or an unclear photo?
ClariFi will notify you if the receipt photo is unreadable or missing key information. You can easily re-upload it in seconds. If needed, our support team will reach out to the provider for clarification.
What if I forget my ClariFi card?
If you forget to use your ClariFi virtual card at your visit, you can still receive your benefit. Simply pay with your personal payment method and submit a manual reimbursement request in the ClariFi app. You'll be asked to:
- Enter basic information about your visit
- Upload a clear photo of your receipt
Once submitted, ClariFi will review the visit and reimburse you according to your employer's plan rules.
What if my provider doesn't know about ClariFi?
ClariFi works exactly like cash pay. Just tap to pay and be sure to get a receipt.
For Brokers & Benefit Advisors
Partnership opportunities and support
Do you work with brokers and advisors?
Yes — we actively partner with brokers and benefit advisors. Please reach out to us at contact@clarifibenefits.com to learn more about our broker partnership program.