September 25, 2026
From fragmentation to performance: $2,484 PMPY savings and 3.2x ROI in Women’s Health
Women's health is one of the largest and most overlooked drivers of medical spend in the United States, and menopause is one area that spend hides in plain sight. It rarely arrives on a claim labeled menopause: it surfaces as sleep, anxiety, pain, and cognitive symptoms, scattered across separate providers and separate claims. The cost is substantial, and it goes unmanaged because it is fragmented. Adding another point solution only compounds the problem, fragmenting spend further across more vendors and contracts rather than delivering measurable care.
Sword consolidates that fragmentation into one program. Sleep, mood, pain, and hormone shifts are treated as one member's connected clinical experience rather than separate complaints routed to separate providers, and the result is measured in medical claims. This report presents the outcome across a matched cohort of commercial members: where the spend concentrates across the care pathway, and the per-member savings the program delivered relative to a matched control group.
What this report covers
- Why menopause spend rarely appears on a claim labeled menopause, and where it surfaces in the data instead.
- How one connected program identifies the symptom pattern that fragmented, single-condition care misses.
- Why adding another point solution fragments spend further rather than resolving it.
- The full savings breakdown by service category, measured against a matched control group rather than self-reported outcomes.
- The service category where savings concentrate, and why conservative, guideline-based care drives the result.
See what these results mean for your population.
Talk to a Sword specialist and model the potential impact for your specific member base and cost trajectory.
Contributors to White Paper

Vice President, Health Economics

Director of Actuarial Services at Sword Health
Footnotes
- 1
Annual cost of menopause symptoms. Mayo Clin Proc. 2023;98(6):833-845.
- 2
Sword Health women's health claims analysis, June 2026 model. Matched-cohort analysis of 42,516 commercial members (21,258 matched pairs), difference-in-differences against a statistically equivalent control group. Gross savings of $2,484 PMPY against the average collected program fee produce a gross ROI of 3.2x. See the report here https://49228156.fs1.hubspotusercontent-na1.net/hubfs/49228156/Reports%20and%20Guides/Sword%20Women%20Health.pdf