The Pearl Network ACO

We help primary care physicians take back control of their patients, their finances, and their time.

And take a bet on themselves.

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About The Pearl Network

The Pearl Network (TPN) is a Medicare REACH ACO — Realizing Equity, Access, and Community Health Accountable Care Organization. TPN is one of a limited number of organizations across the country participating in the model with the Centers for Medicare and Medicaid Innovation (CMS). If your physician is participating with the TPN ACO, you will receive a letter in the mail welcoming you.

As ACO providers, your primary care physician will develop a treatment plan specific to your health care needs. By working closely together with you to coordinate the care you receive, the physicians that care for you can more effectively keep you well and improve your overall health and quality of life.

Your doctor’s participation in this Model does not change anything about your Medicare benefits and it does not limit the doctors you can choose to see. Every benefit you currently have under Medicare will remain the same.

What is ACO REACH?

Would you like to learn more about Medicare’s Accountable Care Organizations (ACO) Realizing Equity, Access, and Community Health (REACH) Model?

Learn More
ACO REACH in Practice

ACO Information

View TPN’s 2025 Participating and Preferred Providers.

Participating Providers
Preferred Providers

Our Leadership Team

The Pearl Network

Michael Monsegur

Executive Director, ACO Operations​

Pearl Health

Bailey Acevedo

Bailey Acevedo​

ACO Compliance Officer​

Pearl Health

The Pearl Network

Jennifer Rabiner​

Chief Product Officer​

Pearl Health

The Pearl Network

Gabriel Drapos​

Chief Operating Officer, Chief Strategy Officer​

Pearl Health
The Pearl Network

Matt Solnit​

Chief Technology Officer​

Pearl Health​
Justin Chee

Justin Chee​

VP of Finance​

Pearl Health​

The Pearl Network

Russell Fowles​

VP of IS Security​

Pearl Health​

The Pearl Network

Dr. Cameron Berg, MD, FACEP, FAAEM​​

VP of Clinical Ops​

Pearl Health​

Li Qiu

Li Qiu​

Chief Actuary​

Pearl Health​

Our Board of Directors

The Pearl Network

Xavier Sevilla, MD

Chair, ACO Clinical Leader

Baycare Medical Group, Inc

Safiyya Shabazz, M.D.

Safiyya Shabazz, MD

Medical Director,
ACO Clinical Leader

Fountain Medical Associates

The Pearl Network

Joshua Bernstein, MD

Director, ACO Clinical Leader

Asheville Medicine and Pediatrics Ltd
The Pearl Network

Michael Monsegur

Director

Pearl Health

The Pearl Network

Dennis Halpin

Consumer Advocate

Retired, Medicare Patient

The Pearl Network

James Greene

Medicare Beneficiary

Retired, Medicare Patient

View TPN’s 2025 Governing Body and Clinical Leaders

Governing Body and Clinical Leaders

Shared Savings & Shared Losses

Performance Year 1 (2023): -$5,522,238.65

Performance Year 2 (2024): Shared Savings or Losses will be reported once available.

Quality Measure Performance

Quality Measure Performance for all
Performance Years will be reported once available.

Performance Year 1 (2023):

  • Risk-Standardized, All-Condition Readmission: 15.33
  • Risk-Standardized, All-Cause Unplanned Admissions for Patients with Multiple Chronic Conditions: 29.22
  • Timely Follow-Up After Acute Exacerbations of Chronic Conditions: 71.43
  • Consumer Assessment of Healthcare Research and Quality: 69.38%

Performance Year 2 (2024): Quality Measure Performance will be reported once available.

How Shared Savings Will Be Distributed

Unlike most other ACOs, Pearl has taken the provider-centric approach of creating an individualized risk pool for clients of sufficient scale. This is a better model for physician groups, especially performant ones, allowing ACO practices access to their own economics with the benefits of their own ACO — without the overhead of running their own ACO. Individual risk pools ensure potential savings or losses are driven only by a group’s own efforts and no one else’s. Because of this, Pearl’s high-performing clients earned more than they would elsewhere.

Performance Year 1 (2023):

  • Proportion to infrastructure and redesigned care processes: 0%
  • Proportion to ACO Participants and Preferred Providers: 100%

Performance Year 2 (2024):

  • Proportion to infrastructure and redesigned care processes: TBD
  • Proportion to ACO Participants and Preferred Providers: TBD

ACO Anonymous Compliance Reporting

TPN has an Anonymous Compliance Reporting webform that is accessible to all individuals including Medicare Beneficiaries. This form will allow you to report any compliance concerns related to the ACO, and can be accessed by visiting pearlhealth.com/reportaconcern.

You can choose to report anonymously or provide your contact information. The information you provide will be transmitted to the ACO Compliance Officer who will follow-up on the report. The ACO has a non-retaliation policy which means you don’t need to fear making a good faith report. We rely on individuals like you to let us know when something is wrong.

Providers may request to review important governing body documents by emailing [email protected].

If you ever feel that you are being retaliated against, please call the ACO Compliance Officer: Bailey Acevedo at 518-588-2988.

Pearl empowers providers to focus on patient care, while compensating them for improving their patients’ health.
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Democratizing access to value in healthcare

Address

The Pearl Network, LLC
220 5th Avenue
17th Floor
New York, NY 10001

ACO Primary Contact

Michael Monsegur, Executive Director
[email protected]
Hours of Operation: 9am – 5pm EDT
Phone Number: +1 (833) 769-0456

Pearl Health

© Pearl Health 2025. All Rights Reserved.

Michael Kopko

Board Member, CEO

Michael is co-founder and CEO of Pearl Health. Michael served as an early employee and Vice President at Oscar Health, where he built their sales and network functions. He managed the company’s largest P&L at +$2.5B before helping take the company public with its IPO.

Prior to Oscar, Michael worked for Bridgewater Associates in the company’s Research, Client Service, and Recruiting departments. While at Bridgewater, he was the Head of Research Analytics where he reported to the CEO and Ray Dalio. In 2009 he successfully sold DormAid, a college service company, which he launched and ran while he was a student at Harvard.

He is the recipient of Columbia’s Feldberg Fellowship, where he received his M.B.A. He received his A.B. from Harvard College. In 2024 he was selected as a Presidential Leadership Scholar.

Michael Kopko

Scott Kupor

Board Member

Scott Kupor is an investing partner focused on growth-stage companies building in the bio and healthcare industries, manages the firm’s investor relations team, and is responsible for the firm’s growth initiatives.

Scott was the first employee at Andreessen Horowitz and managed the firm’s growth from $300 million in AUM to more than $30 billion. Prior to joining the firm, Scott worked as vice president and general manager of software-as-a-service at Hewlett Packard. Before that, he held numerous executive management positions at Opsware, including senior vice president of global field operations, vice president of financial planning and vice president of corporate development. Prior to Opsware, Scott represented software companies in both financing and mergers and acquisitions transactions at Credit Suisse First Boston and Lehman Brothers.

Scott is the author of the Wall Street Journal bestselling book, Secrets of Sand Hill Road: Venture Capital and How to Get It, and serves on the boards of Cedar, Headway, Foursquare, Labster, Ultima, and SnapLogic. He also served as chairman of the board for the National Venture Capital Association.

Scott graduated Phi Beta Kappa from Stanford University with a bachelor’s degree in public policy with honors and distinction. He also holds a law degree with distinction from Stanford University and is a member of the State Bar of California.

Scott Kupor

Vineeta Agarwala, MD

Board Member

Vineeta Agarwala, MD, PhD, is a General Partner at Andreessen Horowitz where she leads investments for the firm’s bio fund across therapeutics, diagnostics, and digital health, with a focus on companies that are leveraging unique datasets to improve drug development and patient care delivery. She also serves on the board of BigHat Biosciences.

Prior to joining a16z, Vineeta has held many different roles in the healthcare space: as a physician taking care of patients; as an operator at tech-driven healthcare companies; and most recently as a venture investor on the GV (Google Ventures) life sciences team, focused on biotech companies with a data-driven approach. Previously, she was an early data scientist at Kyruus; a management consultant for biotech, pharmaceutical, and medical device clients at McKinsey & Co; and a Director of Product Management at Flatiron Health, where she led the company’s partnership with Foundation Medicine to integrate real-world clinical and genomic data into national-scale database products to accelerate drug development and research in oncology. She has collaborated with academic researchers at Cold Spring Harbor Laboratory, Lawrence Livermore National Laboratory, and the Broad Institute, where she did graduate work in computational biology and human genetics.

Vineeta holds a B.S. in biophysics from Stanford University, and MD and PhD degrees from Harvard Medical School / MIT. She completed her clinical residency at Stanford, and is board certified in internal medicine. Vineeta continues to see patients at Stanford as an adjunct clinical professor in the Division of Primary Care and Population Health.

Vineeta Agarwala, MD

Jeffrey De Flavio, MD​

Executive Chairman​

Jeffrey De Flavio, MD is co-Founder and Executive Chairman of Pearl Health. He is an Entrepreneur in Residence at AlleyCorp and the Founder of Groups: Recover Together, the national leader in value-based care for treatment of opiate addiction. Dr. De Flavio’s expertise is in value-based care, clinical redesign and building early-stage companies. He received his M.D. from the Dartmouth College of Medicine and his M.B.A. from the Tuck School of Business at Dartmouth.

Jeffrey De Flavio, MD

Kevin Ryan

Board Member

Kevin Ryan is one of the leading internet entrepreneurs and investors in New York. Alongside AlleyCorp, he co-founded MongoDB, Business Insider, Gilt Groupe, Zola, and Nomad Health, and continues to found new companies with AlleyCorp every year. Collectively, AlleyCorp companies have raised more than $2B in venture capital and employ thousands of people in New York City and beyond. On the investment side, AlleyCorp is one of the most active early stage funds in New York.

Earlier in his career, Kevin helped to grow DoubleClick, first as President and then as CEO, leading their growth from a 20-person startup to a publicly traded global leader with over 1,500 employees, through IPO in 1998 and acquisition by Google in 2007.

Kevin serves on the board of Mercy Corps, is Vice Chairman of The Partnership for New York City, is a member of the CFR Committee on Foreign Affairs, is on the Board of TECH:NYC and is Director Emeritus for Human Right Watch. He previously served on the boards of the Yale Corporation, INSEAD, the Direct Marketing Association, The Ad Council, HotJobs and the advisory board of Doctors Without Borders. He holds a B.A. from Yale University and an M.B.A. from INSEAD.

Kevin Ryan