Working in collaboration with Mayo Clinic · Patent pending · USPTO Track One
— Behavioral Risk Infrastructure —

The pre-diagnostic coordination layer for human behavioral risk.

Stress Number™ — clinically validated Working in Collaboration with Mayo Clinic. Patent pending under USPTO Track One.

Stress Number™ · Pre-Diagnostic Index™ · Smart Referral Engine™
Measurement · Stratification · Routing · Governance
The behavioral accounting system.
— CMS Star Ratings 2027 — Behavioral health is now a
weight 3 outcome measure.
See the Federal Alignment →
— Partner Dashboard · Live —
O2OS™ Partner Dashboard — Population Scale See the Visibility Layer →
— Clinical Validation —
Working in collaboration with Mayo Clinic
r = 0.68 (BDI-II) · 0.58 (SCL-90) · p < 0.01 · Archives of Psychology, 2018 · N = 292
— Patent —
Patent pending · USPTO Track One
USPTO Track One filed April 2026 · Original patent application filed April 22, 2008 · Published 2009
— 6 Federal Pathways —
CMS CED · CPT · 1115 · HEDIS · Star Ratings · ACCESS
CMS CED · CPT 96127 / 96138 · Medicaid 1115 Waivers · NCQA HEDIS · CMS Star Ratings 2027 · CMS ACCESS Model
— Why Now · The Four Federal Timelines —

Four federal clocks. One architecture filed in 2008.

The federal payment system is converging on a single structural need at the same moment. The architecture built for that convergence was documented in 2008. It is architected as the reference coordinate for a federally activated market.

O2OS™ Caliber 42 — Stress Number watch
O2OS™ Caliber 42 · Stress Number™
ACTIVE Clock 1 · The Pipe
CMS-0057-F
Real-time payer APIs · mandatory January 1, 2026
SUMMER Clock 2 · The Payment
CMS ACCESS Model
Outcome-aligned reimbursement · program launches July 5, 2026
2027 Clock 3 · The Check
CMS Star Ratings 2027
Behavioral health · Weight 1 (2026) → Weight 3 (2027) outcome measure
Quality Bonus Payment economics now follow this measurement
ONGOING Clock 4 · The Fiduciary
Consolidated Appropriations Act
Employer fiduciary obligation · plan sponsors must demonstrate reasonable & vetted behavioral health spend
Fiduciary exposure now extends to behavioral measurement methodology
2008 → 2026 Anchor · The Substrate
USPTO Track One
Original patent application filed April 22, 2008 · Published 2009 · Track One filed April 2026
Measurement · Stratification · Routing · Governance

Four external clocks. One architecture filed in 2008.
O2OS™ is positioned at the intersection.

— REFERENCE-CLASS INFRASTRUCTURE —

Federal systems cite credentialed substrates.
The Oxygen Plan satisfies each condition.

01
Peer-reviewed clinical publication
The criterion: Independent validation in a credentialed scientific journal — the methodology has passed external scientific scrutiny.
How we satisfy it: Williams et al., Archives of Psychology, 2018. Stress Number™ correlated with BDI-II (r = 0.68) and SCL-90 (r = 0.58), both p < 0.01, N = 292.
02
Documented architecture predating the federal need
The criterion: A documented architectural foundation that pre-exists the regulatory frameworks now requiring it — establishing temporal precedence rather than reactive engineering.
How we satisfy it: Original patent application filed April 22, 2008. Published 2009.
03
Institutional clinical collaboration
The criterion: Active research collaboration with a credentialed clinical institution — the methodology is recognized inside the medical research community.
How we satisfy it: Working in collaboration with Mayo Clinic.
04
Federal alignment across multiple pathways
The criterion: Alignment with multiple independent federal regulatory pathways — not dependence on a single program that could be modified or eliminated.
How we satisfy it: CMS CED · CPT 96127 / 96138 · Medicaid 1115 Waivers · NCQA HEDIS · CMS Star Ratings 2027 · CMS ACCESS Model · Consolidated Appropriations Act (employer fiduciary obligation).
05
Patent prosecution status
The criterion: Active intellectual property protection demonstrating that the underlying architecture is novel, defensible, and on the public record at the USPTO.
How we satisfy it: USPTO Track One utility patent application filed April 2026.
06
Defined primitives with citable methodology
The criterion: Named, documented architectural components with a published reference format — the substrate can be cited consistently in clinical, regulatory, and contractual contexts.
How we satisfy it: Four primitives — Measurement · Stratification · Routing · Governance — with HOW TO CITE format published at theoxygenplan.com/pdi.

Reference-class infrastructure is what the federal payment system cites when it requires a credentialed standard.
The Oxygen Plan operates at that altitude.

— The Blind Spot —

A category that has not yet been priced.

Behavioral exposure is the largest unmeasured risk class on the institutional balance sheet.

Unmeasured risk is mispriced.

Mispriced risk creates structural cost.

— Quantified Exposure —
$42.95 PMPM · $515 per member annually
Two independent derivations converge within 7.3%. PDI calculator

The substrate now exists.

— The Substrate —

Three instruments. One accounting system.

A coordinated behavioral accounting system — measurement, mapping, and routing primitives that compose into a single governable substrate.

Coordinate
A standardized behavioral state coordinate, scored across the three structural domains of daily life — Home, Work, Social. The canonical positional input. See the operational layer →
Economic map
The translation layer that converts the coordinate into actuarial economic exposure. Derived from federal and peer-reviewed published sources. Federally aligned. Patent-pending. See the PDI →
Routing engine
The governed routing layer that converts measurement into auditable institutional action — the navigation function for the substrate. See the operational layer →

Together, the three instruments constitute the behavioral accounting system that institutions, insurers, employers, providers, and AI systems will eventually coordinate around.

— The Behavioral Risk Economy —

The Front Door of the Behavioral Risk Economy.

Every downstream system has been operating without a shared coordinate system for human behavioral exposure. Each absorbs the cost in its own currency — claims, PEPM, ordered diagnostics, unused telemetry, engagement loss, comp duration, downstream acuity, and tail risk. The same substrate sits upstream of all of it.

Currency
Claims
Payers
Commercial payers · Medicaid MCOs · Medicare Advantage · TPAs · Stop-loss carriers
— before the claims tail forms
Currency
Treaty Risk
Reinsurers & Carriers
Reinsurers · reinsurance brokers · global behavioral reinsurance · life · long-term care
— before treaty pricing absorbs the loss
Currency
Comp Duration
Workers' Comp & Disability
Workers' compensation carriers · short-term disability · long-term disability · life insurance carriers
— before claim duration extends silently
Currency
Quality Measure Risk
Accreditation & Quality
NCQA · Joint Commission · URAC · HEDIS-graded plans · MA Stars-rated plans · accreditation bodies
— before quality scores erode
Currency
PEPM & Turnover
Employers & Coalitions
Jumbo self-insured employers · employer health coalitions · public-sector plans · Taft-Hartley & union funds
— before PEPM exposure compounds
Currency
Downstream Acuity
Providers & Care Delivery
IDNs · academic medical centers · ACOs · primary care consolidators · FQHCs · urgent care · BH networks · specialty BH · telehealth-BH
— before downstream assessment is ordered
Currency
Ordered Diagnostics
Diagnostics, Pharma & Therapeutics
Diagnostics & labs · big pharma BH · biotech CNS · specialty pharmacy · PBMs · digital therapeutics · CROs · precision medicine
— before the wrong test is ordered
Currency
Unused Telemetry
Tech, AI & Data Infrastructure
EHR platforms · health data analytics · FHIR / interoperability · clinical decision support · healthcare AI & LLM · hyperscale cloud · wearables · RPM · consumer tech surfaces
— before behavioral signal goes unmeasured
Currency
Federal Exposure
Government & Sovereign Systems
Medicare FFS · CMMI & ACO REACH · dual-eligibles · CMS-facing contractors · state Medicaid agencies · state BH authorities · VA · military / Tricare · corrections health · international sovereign systems
— before federal exposure is paid downstream
Currency
Mispriced Capital
Capital Markets
Healthcare PE · digital health VC · healthcare hedge funds · sovereign wealth · healthcare REITs · healthcare credit funds
— before the asset class is mispriced
Currency
Placement Risk
Benefits Brokers & Consultants
National benefits brokers · regional benefits brokers · employer benefits consultancies · global consulting practices · independent benefits advisors
— before placement recommendations go unverified
Currency
Engagement Loss
Workforce, Wellness & Engagement
Employer digital health & EAP · digital mental health platforms · workforce systems · wellness categories
— before engagement is lost and burnout compounds
Currency
Absence & Caregiver Load
Work/Life Services & Family Benefits
Backup care platforms · caregiver navigation services · absence management vendors · benefits navigation platforms · concierge work/life services · family benefits providers
— before absence extends and caregiver burnout compounds
One upstream substrate. Many downstream currencies. Every system already pays for behavioral exposure — they simply pay at different points in the chain.
— Federal Alignment · 2027 —

CMS Star Ratings · Medicare Advantage Behavioral health is now a
weight 3 outcome measure.

"Improving or Maintaining Mental Health" enters CMS Star Ratings at weight 1 in 2026 and rises to weight 3 beginning with the 2027 Star Ratings — equivalent to Diabetes Blood Sugar Control, Controlling Blood Pressure, and Plan All-Cause Readmissions. The federal payment system has just elevated behavioral measurement to a Medicare Advantage revenue lever.

The Pre-Diagnostic Index™ — derived from federal and peer-reviewed published sources, working in collaboration with Mayo Clinic, USPTO Track One patent-pending, with original patent application filed April 22, 2008 and published 2009 — is architected for this specification.

The Star Ratings move does not stand alone. The CMS ACCESS Model — outcome-aligned payments for behavioral health beginning July 2026 — and NCQA's 2026 directional priorities — Digital HEDIS expansion, ECDS measure growth, behavioral health integration — establish parallel federal directionality toward upstream behavioral measurement infrastructure. The corpus is aligned with all three.

2026
Weight 1
2027
Weight 3
·
Category
Outcome Measure
·
Status
Specification in active rebuild
CMS 2026 Star Ratings Measures and Weights · Federal Register 2023-07115 · CMS Innovation Center ACCESS Model (program begins July 5, 2026) · NCQA 2026 Trends to Watch (January 15, 2026)
— Evidence & Validation —

Filed. Validated. Reimbursable.

Every prerequisite for institutional adoption is complete and on the public record.

Original Application
April 22, 2008
Filed April 22, 2008 · Published 2009
Reimbursement
CPT 96127 / 96138
Established billing pathway
Public Instrument
PDI v1.0
Open, validated, in production
— Federal Pathways —

Six federal mechanisms. Each individually verifiable.

The substrate is reimbursable, measurable, and federally aligned across six independent pathways. Each is a real federal designation. Each is publicly documented. Each is individually defensible.

Pathway What It Is
CMS CEDMedicare Coverage with Evidence Development — the pathway through which novel measurement standards gain Medicare coverage by providing prospective evidence to CMS.
CPT 96127 / 96138AMA Current Procedural Terminology codes for brief and standardized behavioral assessment — already reimbursable across commercial, Medicare, and Medicaid.
Medicaid 1115 WaiversState waiver authority under Section 1115 of the Social Security Act — permits innovative Medicaid measurement, routing, and payment programs.
NCQA HEDISNational Committee for Quality Assurance Healthcare Effectiveness Data and Information Set — the dominant national quality measure set for plan accreditation, including the DSF-E depression screening and follow-up measure.
CMS Star Ratings 2027Medicare Advantage "Improving or Maintaining Mental Health" — outcome measure, weight 3 beginning with the 2027 Star Ratings, equivalent in weight to Diabetes Blood Sugar Control and Controlling Blood Pressure.
CMS ACCESS ModelCMS Innovation Center Advancing Chronic Care with Effective, Scalable Solutions — outcome-aligned payment model for behavioral health, program begins July 5, 2026.
— Primary Federal Sources · Click to verify —
1. CMS-0057-F · Interoperability & Prior Authorization Final Rule
Beginning January 1, 2026, impacted payers must report annual Patient Access API metrics to CMS.
2. CMS 2026 Star Ratings · Mental Health Outcome Measure
— The Closed Circuit —

CMS-0057-F creates the Pipe (real-time APIs), and the 2027 Star Ratings provide the Check (Quality Bonus Payments). O2OS™ is the Substrate that sits between the two — using the pipe to deliver the leading indicators that secure the check.

— Governance & Access —

A published path. Not a sales process.

Access to the substrate is governed by a structured tier system. The structure is published rather than pitched. The model follows how standards bodies publish membership and licensing criteria — not how vendors run sales processes. Inquiries from qualified institutional counterparties are governed by the Inbound Response Protocol.

Inquiries: contact@theoxygenplan.com

— The Substrate —

Behavioral risk is unmeasured. Mispriced. Misrouted. Ungoverned.
The substrate that corrects all four now exists.

The substrate exists.
Institutional adoption and governance are the active formation phase.

Origin & Standing

The Patent. The Rails. The Category Play.

O2OS™ is a behavioral measurement and coordination architecture developed over an 18-year period beginning in 2008.

  1. 2008
    Origin on the public record.

    Foundational disclosure dated to 2008 — authorship that predates the field.

  2. 2009
    Published internationally via PCT.

    US 2009/0265437 A1 — a publicly verifiable origin point preceding the mandates and infrastructure convergence now emerging across behavioral health.

  3. 2018
    Clinically validated.

    Stress Number™ was clinically validated Working in Collaboration with Mayo Clinic and published in peer-reviewed research (Archives of Psychology, 2018; N=292).

  4. 2026
    Pending patent application.

    A 2026 USPTO Track One application is now pending.

Products require adoption. Standards require recognition.

O2OS™ meets the foundational criteria of a clinical measurement reference standard — the formal designations are the roadmap ahead, not a present claim.

The Patent. The Rails. The Category Play.