24/7 · four channels · English & Spanish · every answer cited to your plan
01 / 06
AI benefits assistant
She answers anything,any hour, any channel.
Phone, chat, text, email. She knows their plan, their deductible, what they elected and what they picked last year, so the answer is theirs and not a generic one. And every answer shows the page it came from.
Phone, chat, text, email. She knows their plan and what they elected, so the answer is theirs — and every answer shows the page it came from.
✓24/7, four channels✓Knows their plan and their history✓Cited to the document
WebOn the benefits site, mid-afternoon.
ChatIn chat, at 9:41 at night.
TextA text at 2:14 in the morning.
PhoneAnd on the phone, when they would rather just talk.
benefits.yourcompany.com4:18 PM
Good evening, Maya
Your coverageChoice Plus PPOYou + 2 dependents · $102 a paycheck
Saved doctors3 keptAll in network on your plan
AmandaBenefits assistant
what’s my deductible?
$1,500 for the year — and preventive care never counts toward it.
1
From your plan:
Choice Plus PPO · Benefit Summary, page 4
Ask anything about your plan↑
02 / 06
Care routing
She sends them to the $60 door,not the $350 one.
At 9:41 at night nobody knows whether this is an emergency room problem. She checks what is open, what is in network and what each door costs, then names the place, the price and the wait. She routes — she never diagnoses, and the screen says so.
At 9:41 at night nobody knows whether this is an emergency room problem. She names the place, the price and the wait.
✓Every open door, priced✓Video visits, priced from your plan✓Routes, never diagnoses
RoutingShe checks what is open, in network, and staffed tonight.
ResultsEvery open door, priced — including the one she could not confirm.
MapWhere each one is, and what it costs to walk through it.
9:41
Find care
Choice Plus PPOIn network · $1,500 deductible
my son has a fever and a rash, where do I take him tonight?
Checking your plan…
Open right now — hours, checked at 9:41 PM
In your exact plan network — Choice Plus PPO, page 9
Pediatrics on tonight — Fifth Street staffing
What each one costs you — average cost by code + network
Where to goUrgent care is the right door tonight.
Fifth Street has pediatrics on tonight, it is in network on your plan, and it is open until 11. The emergency room is open too — it runs about six times the cost and a three-hour wait right now.
TonightThis weekAlready seen someone
If this is an emergency, call 911.
03 / 06
The doctors they keep
She tells them which plankeeps their doctor.
People pin the doctors they actually see. Keel checks every one against every plan on offer and shows what really covers them — in network, out, or honestly unconfirmed. Nobody picks a plan in November and finds out in March.
People pin the doctors they actually see, and Keel checks every one against every plan on offer. Nobody picks a plan in November and finds out in March.
✓Pinned once, checked every year✓Every plan on offer✓Says unknown, never guesses
Your doctorsThe doctors they pinned, kept year to year.
CheckingEvery doctor against every plan on offer, one join at a time.
VerdictWhich plan keeps all three — and which one costs them a doctor.
Tue 9:02
Your doctors
Choice Plus PPOIn network · $1,500 deductible
The people you already see. Pinned once — I check them against every plan on offer, every year.
Saved doctors
3
AO
Dr. Amara OkaforPediatrics · Riverside Pediatric Group
EW
Dr. Ellis WarrenFamily medicine · Warren Family Medicine
MP
Marin Physical TherapyPhysical therapy · 1.1 mi
What’s going on?Describe it in your own words and I will route it.
Sick todayA new prescriptionAches and pains
1
Coverage checked with:
Ideon · plan-network API, Tue 9:02 AM
2
Providers from:
NPPES · national provider registry
No claims data
04 / 06
Cost before care
She tells them the pricebefore they go.
The same scan costs about twice as much across town, in network either way. She prices it before anyone books — and tells you how sure she is: a public regional ballpark first, then an average estimated cost for that billing code, at that provider, on their network. She never sees a claim to do it.
The same scan costs about twice as much across town, in network either way. She prices it before anyone books — as an estimate, and says so.
✓Priced before they book✓A range, never false precision✓Never from claims data
Not yetBefore her plan’s pricing is connected, there is no number to give.
BallparkA public regional ballpark — honest about being one.
EstimateThen an average estimated cost for that code, provider and network.
Thu 4:18
MRI, lower back
Choice Plus PPOIn network · $1,500 deductible
123Before your plan is connected
Fifth Street Imaging CenterImaging centre · 1.4 mi · opens 7 AM
Not priced yet
Riverside Hospital ImagingHospital outpatient · 2.1 mi · same machine
Not priced yet
A cost estimate appears once your plan’s pricing is connected.
Whatever this costs, your year is capped at $4,500.
1
Priced from:
CMS Medicare rates · regional proxy, not your plan
2
From your plan:
Choice Plus PPO · Imaging benefits, page 11
Not from your claims — Keel never sees them
05 / 06
Plan comparison
She grades every plan on theyear they are actually having.
People pick on the per-paycheck premium, and it is the number most likely to be wrong. Three plain questions, then every plan ranked by what the year really costs, with the four factors behind the score on screen. The ranking is arithmetic — the same weights for every employer — and Amanda only writes the sentence that explains it.
People pick on the per-paycheck premium, and it is the number most likely to be wrong. Three questions, then every plan ranked by what the year really costs.
✓Ranked on real cost✓The score, shown in full✓The same math for everyone
Her yearThree plain questions about the year she is about to have.
The re-rankThe same three plans, reordered by what the year really costs.
The scoreAnd the arithmetic behind the ranking, shown in full.
Nov 3
Your plans
Three plain questions. Not a risk profile — the year she is actually about to have.
Anything big coming this year?A baby, due in March
Doctors you want to keep?Dr. Okafor, for the kids
How much would a surprise $1,000 bill hurt?A lot
Household income, if you want the math sharperSkipped
Ranked on the per-paycheck premium…
3
Choice Plus PPO$86 a paycheck
2
Value HSA 3300$79 a paycheck
1
Basic HMO$74 a paycheck
06 / 06
Benefits navigation
She surfaces the benefitsnobody knew you bought.
Therapy, physical therapy, chiropractic, nutrition, wellness, the EAP. You pay for all of it and most of it goes unused, because a packet does not teach anyone anything. She brings the right one to the moment it matters, then shows you what people actually asked about.
Therapy, physical therapy, chiropractic, the EAP. You pay for all of it and most of it goes unused — she brings the right one to the moment it matters.
✓Therapy, PT, chiro, wellness✓Delivered in the moment✓Topics back to you, never names
The momentShe mentions her back, and the benefit finds her.
Never openedEverything else they already pay for, and nobody uses.
What comes backAnd what the employer sees: topics, never transcripts.
Thu 3:47
AmandaOnline
Your dental cleaning is covered in full — both of them, every year.
good to know, thanks
…and that is why the deductible did not apply. Anything else?
honestly my back has been killing me since we moved
You have physical therapy on this plan, and you do not need a referral to start.
1
From your plan:
Choice Plus PPO · Benefit Summary, page 7
Physical therapy$25 a visit · 20 visits a year · no referral
benefits.yourcompany.com4:18 PM
Good evening, Maya
Your coverageChoice Plus PPOYou + 2 dependents · $102 a paycheck
Saved doctors3 keptAll in network on your plan
AmandaBenefits assistant
what’s my deductible?
$1,500 for the year — and preventive care never counts toward it.
1
From your plan:
Choice Plus PPO · Benefit Summary, page 4
Ask anything about your plan↑
All year
Give your people a person.
The same Amanda who runs your enrollment, staffed on benefits all year — delivered through your broker, never touching a claim.