UUnitedHealthcare · Choice Plus networkValue HSA$52every two weeks
Lowest premiums, and the employer match adds $1,000.
HSA eligible · employer adds $1,000 a yearYour estimated cost this year$3,180premium + care
Decision support that ends in a decision: a real recommendation for every employee, the math shown, the file landing clean.
The season below is Brightwave’s, Keel’s demonstration employer, shown so you can see the shape of a real one.
Should I pick the PPO or the HSA plan?
For you, the math favors the HSA. The premium is $884 less a year, and Brightwave adds $1,200 to the account:
Open enrollment: two weeks, a thousand questions, one overworked HR inbox. Most people just re-pick last year’s plan. Amanda changes that.
Video, webinar, text, self-guided, or paper. Every door opens on the same AI adviser, no queue, no callback.
Either way works. Pick whichever fits how you like to learn. You can always switch later.
No census scrub, no HR tickets, no benefits fair to staff. The privacy promise is printed under every question.
Doctor visits, ER, hospital. What did it run you last year?
What you paid out of pocket, not what insurance covered.
Your answers never reach your employer.
Deterministic scoring, the arithmetic on screen, an audit ID on every recommendation your counsel can stand behind.
Not an average year. The one you told her about.
Lowest premiums, and the employer match adds $1,000.
HSA eligible · employer adds $1,000 a yearYour estimated cost this year$3,180premium + care
The lowest sticker price of the three.
Your estimated cost this year$3,410premium + care
Strong cover that costs more up front.
Your estimated cost this year$3,890premium + care
FROM Brightwave 2027 rate sheet · Choice Plus plan documentsAUDIT REC-2027-BW-4F1C9A
For an average year, I rank on price. The HSA wins: lowest premium, and Brightwave adds $1,000.
One person. One number. Any hour, in any language.
Is Dr. Ramirez covered for the delivery?
She is. Dr. Ramirez is in the Choice Plus network, and Riverview Medical is too.Choice Plus PPO · provider directory
Your deductible is met in March, so by the delivery you’re sharing costs, not paying full price.Summary of Benefits, page 4
Who has enrolled, who is stuck, what your people keep asking. Real-time, so you steer the season instead of reading about it in January.
chose Amanda’s pick+31% vs last year
Thirty of the forty-one asking about networks were looking at the HMO. You can fix that in a sentence, this week, instead of hearing about it at renewal.
How does the HSA match work?214
Is my doctor in network?168
What does a baby year actually cost?96
One signature covers every document. Keel holds the election and shapes the file onto the ben admin you already run — or, when you’re ready, becomes the ben admin itself. No rekeying, no bad rows.
One signature covers all three documents · election summary · EOI · FSA agreement
Lands on the ben admin you already run, or let Keel be the ben admin. See every payroll, HRIS & ben admin Keel fits →
No. A personalized link lands by text or email and opens their enrollment directly. Magic-link access, no password to forget, no portal to remember.
They never have to touch one. A live 1:1 with Amanda on video, a group webinar, self-guided clicking, or a personalized paper form. Every door leads to the same AI adviser and the same clean election.
Yes, because Amanda is not a side app employees have to remember to visit. She is how they enroll: to get their benefits, they go through her. Usage is not a campaign you have to run, it is the enrollment itself.
From your plans, not a generic model. She reads the employer’s own plan designs and rates, asks about the things that change the answer (doctors, medications, family, budget), and shows the math behind every recommendation, so anyone can check her work.
Yes, in the same flow. Accident, critical illness, hospital indemnity, life, disability, and the rest sit beside medical and dental with the same plain-language guidance, so voluntary stops being the afterthought at the end of enrollment.
Yes. The conversation stays between the employee and Amanda, and sensitive answers are encrypted. Elections flow to your ben admin because that is the point. The conversation does not.
Completion, in real time: who has enrolled, who is stuck, what your people keep asking. Never individual answers, because what an employee tells Amanda stays between them.
One clean, validated file, shaped for the system you already run, Employee Navigator or otherwise. No re-keying, no bad rows. Or Keel becomes the ben admin itself.
Send your plan documents and a census. Most groups are ready to enroll within days, because the guide, the microsite, and Amanda are generated from your own plans.
The season
Your actual plans, your census, about thirty minutes. Delivered through your broker, onto the ben admin you already run, never touching a claim.