Keel Pharmacy

Know what your drug costs before the counter.

Amanda explains your plan's drug coverage in plain language. Tier, copay, where to fill, and the cheaper alternative worth asking about. Pick a drug and see.

Pharmacy, finally a lever you can pull.

Rx is the fastest-growing line in the plan, and the one members never understand. Amanda makes drug coverage clear, so you stop taking the blame for the counter. Pick a drug and see.

app.keel.com/pharmacy
Amanda
AmandaYour benefits counselor
Cited to your plan
Your plan
BlueCross PPO
Rx deductible
$0
Formulary tiers
4
In-network
64k pharmacies
Look up a drug on your plan
Ozempic
Covered
Ozempicdiabetes · brand
Formulary tier
Tier 3 · Specialty
Your copay
$45
90-day mail order
Where to fill
Specialty / mail order
Needs prior authorization. Amanda shows your doctor what to send.
Amanda
Covered with prior authorization. I can show your doctor exactly what to submit, and a 90-day mail order keeps your cost down.
Illustrative. Example plan formulary, representative figures. Keel explains coverage from your plan documents.
The problem

Pharmacy is the line nobody can read.

It is the fastest-growing cost in the plan, and the one members understand the least. So they overpay, skip fills, and call the broker confused.

0%
of medical spend is Rx
And climbing every year, faster than the rest of the plan.
At the counter
is when people find the price
No heads-up, no plain-language coverage, just a surprise.
3+ tiers
plus prior auth and step therapy
A formulary maze almost no member can navigate alone.
Why it's different

A formulary PDF helps no one.

The old way

Look it up yourself. Good luck.

A 40-page formulary PDF and a clunky carrier lookup tool.
No idea about tiers, prior auth, or a cheaper generic.
The price is a surprise at the pharmacy counter.
The broker gets the angry call either way.
With Keel

Ask Amanda. Get a real answer.

Plain-language coverage for any drug on your plan.
Tier, copay, preferred pharmacy, and prior-auth steps.
The cheaper generic to raise with your doctor.
At enrollment, drugs factor into the plan Amanda picks.
How we handle it

We explain your coverage. We never see your claims.

This is the important part. The formulary is a plan document, so explaining it is just reading your plan. When you ask Amanda about a drug, she answers from your plan, not from your prescription history. Keel does not ingest claims, medications, or diagnoses. Ever.

No claims, no prescription historyKeel never pulls or stores what you have filled. Coverage answers come from the plan's formulary.
What you tell Amanda stays encryptedIf you mention a drug to get an answer, it is handled as encrypted sensitive data, not shared and not sold.
Bank-level encryptionSensitive fields encrypted per tenant, with access scoped tightly by role.
By the numbers

Pharmacy, finally in plain sight.

Any drug
Coverage in plain language
Before
The counter, not after
Generics
Surfaced for every brand
0
Claims or meds we store
Better together

It plugs into the rest of the suite.

Pharmacy is not a bolt-on. It runs on the same plan data and the same Amanda.

Keel Catalog
Reads the formulary
Amanda already pulled your drug list and tiers out of the plan documents.
Keel Concierge
Answers all year
"Is this covered, what's my copay" gets a cited answer any day, not just at OE.
Keel Enroll
Factors it in
A member's drugs help Amanda pick the plan that covers them best.
Questions

The details.

Does Keel see my prescriptions or claims?
No. Keel never ingests or stores claims, medications, or diagnoses. Coverage answers come from your plan's formulary, which is a plan document. If you tell Amanda about a drug to get an answer, that is handled as encrypted sensitive data, never claims history and never sold.
How does Amanda know my copay?
From your plan. Keel reads the formulary, the tier structure, and the cost-share rules out of your plan documents, so a tier and copay are just your plan applied to a drug. For specialty drugs she also flags prior-auth or step-therapy requirements.
Can it suggest a cheaper option?
Yes, where one exists on your plan. For a brand drug, Amanda surfaces the generic or preferred alternative and what it would cost, so you have a specific thing to raise with your doctor. She never tells you to change a medication, only what your plan covers.
What does this do for the broker?
Pharmacy stops being the line you cannot explain. Members get clear answers without calling you, drugs factor into the plan recommendation, and the whole thing runs under your brand. It makes Rx a part of the value you deliver, not just a cost you defend.
Keel Pharmacy

Take the mystery
out of the counter.

See how Amanda explains drug coverage on a real plan, and how she does it without ever touching a claim.

Get a demoTry it yourself · 90 sec