PlanPilot is an AI agent that learns your health needs, medications, providers, and budget, then navigates you to the optimal plan. No spreadsheets. No guesswork. No broker commissions.
Marketplaces give you 50 plans and wish you luck. Brokers are biased by commissions. HR portals assume you know what a deductible-to-OOP-max ratio means. The actual problem was never access to plans. It was knowing which one to pick.
Dozens of plans with arcane terminology. Most people just pick the same one as last year.
Wrong plan means thousands lost annually on premiums, copays, and out-of-network charges.
Open enrollment is a narrow window. Miss it or choose wrong, and you're stuck for 12 months.
Medications, preferred doctors, health conditions, budget constraints. A 5-minute conversation replaces hours of research.
PlanPilot cross-references your profile against every available plan, modeling actual out-of-pocket costs, not just premiums.
One recommended plan with a plain-English breakdown of why it's optimal for your situation. Plus a runner-up, in case you want options.
Calculates real annual cost based on your actual usage patterns, not just monthly premiums. Factors in copays, coinsurance, deductibles, and drug tiers.
Checks if your doctors, specialists, and preferred hospitals are in-network before recommending any plan. No surprises.
Maps your prescriptions to each plan's drug formulary and tier structure. Finds plans where your meds are cheapest.
Before every open enrollment, PlanPilot re-evaluates your situation and recommends whether to switch or stay. Your insurance gets smarter every year.
PlanPilot is building the future where nobody overpays for health insurance because they didn't understand the fine print. AI that reads every plan so you never have to.