Conversational AI
Just Ask. Benvisio Does the Rest.
No complex dashboards to learn. Ask a question in plain English and get rich, visual answers with actionable next steps.
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See how it can save you 25%
AI-native intelligence that finds savings continuously — not just at renewal. Real-time carrier quotes, stop-loss RFP, claims trend projection, and 11 pharmacy levers — orchestrated by a single conversational AI agent for HR leaders and their brokers.
The Challenge
US employer health benefits is the largest private insurance market on earth — and one of the least transparent.
Carriers set rates with little transparency. Employers can't tell if they're overpaying by 5% or 25%.
Average renewal increases of 8-12% — far outpacing wages. Budgets strained with no clear path to optimize.
Brokers juggle dozens of carrier quotes in Excel. Apples-to-oranges comparisons miss the best options.
HR leaders make million-dollar decisions without claims analytics, network analysis, or employee impact data.
Conversational AI
No complex dashboards to learn. Ask a question in plain English and get rich, visual answers with actionable next steps.
See It In Action
Interact with the AI in plain English. Build what-if scenarios on live data — RFP triggers, pharmacy levers, contribution shifts, funding strategy — and see every recommendation quantified in dollars before you commit.
Real-time medical quotes from a national plan catalog. Carrier-diversified ranking surfaces Anthem, Cigna, Kaiser, BlueShield, UnitedHealthcare side-by-side — not 5 BCBS variants. Each plan shows deductible, network adequacy score (0–100), and savings vs. your current renewal.
For HR & Benefits Leaders
Finally understand where every dollar goes — and how to optimize it.
For self-funded plans, your renewal isn't one premium — it's three contracts. Benvisio decomposes stop-loss, ASO/TPA, and projected claims trend separately. See which lines are auto-renewing, which are RFP-eligible, and how much each contributes to your total cost increase.
Hundreds of live medical plans across every carrier covering your region. Anthem, Cigna, Kaiser, BlueShield, UnitedHealthcare, Aetna and more — quoted in seconds, not weeks. Carrier-diversified ranking surfaces real choice, not five flavors of the same carrier.
4-year claims history with next-year forecast and ±2pp sensitivity bands. Overlay shows your stop-loss aggregate attachment threshold so you instantly see whether you're trending into catastrophic exposure — or have headroom to take more risk and lower premium.
Your incumbent's renewal offer side-by-side with RFP candidates from Sun Life, Voya, Nationwide. Savings shown vs. the renewal offer — not vs. last year's price. No-new-laser clauses, run-out terms, captive participation, prior renewal history all surfaced.
11 actionable levers per group: PBM rebate optimization, biosimilar substitution (Humira→Hadlima typically saves $50–100K/yr), GLP-1 coverage strategy with utilization management, formulary tightening, specialty site-of-care steerage. Typical impact: 30–50% of pharmacy spend.
Pick any plans — current, alternatives, or both — and see them lined up across every dimension: premium (current AND renewal), deductible, OOP max, coinsurance, copays, network type, HSA eligibility. Same-tier badges flag apples-to-apples matches so you never accidentally compare a Bronze HMO to a Platinum PPO.
“For the first time, I could show our CFO exactly where our $2M benefits spend was going — and present three concrete strategies to save 15%. The board approved changes in one meeting.”
For Benefits Consultants
Same platform your HR clients see — your view of every group, every renewal, every conversation. The capabilities are shared with the HR section above; what changes here is how brokers use them to run a practice.
The agent does the renewal prep — claims analysis, RFP drafting, PEPM benchmarking, employee-impact modeling — so every meeting starts with the work already done. Consultants reclaim the months previously spent in spreadsheets and typically advise 3–5× the number of groups per head, with sharper recommendations on every one.
Live carrier quoting, stop-loss RFP, ASO/TPA comparison, and pharmacy levers — orchestrated in one conversation per group. What used to take a week of spreadsheet work happens in minutes, with confidence intervals you can defend in the meeting.
Every conversation ends with a board-ready PowerPoint or PDF — every chart, every comparison, every recommendation. Stop saying “I’ll get back to you next week” and close the decision in the room.
“Benvisio cut my renewal analysis time from 3 days to 3 minutes. I’ve doubled my book of business while delivering better outcomes for every client.”
How It Works
Upload your census, claims data, plan documents, or connect to your benefits admin platform. Benvisio ingests and structures everything automatically.
The AI agent identifies optimization opportunities specific to your group — RFP triggers, biosimilar swaps, contribution shifts, plan-design tweaks — and quantifies each in dollars. Ask any question or build scenarios to pressure-test the recommendations.
Rich visual reports, side-by-side comparisons, employee impact analysis, and clear recommendations. Export board-ready presentations in one click.
Platform
Many tools under the hood — one simple conversation on top. The AI agent picks the right tool for every question, runs it, and shows you the answer. No dashboards to learn, no menus to navigate — just ask.
Demos for HR Executives
Book a 30-minute demo. We'll load a profile that mirrors your group — fully insured or self-funded — and walk through your actual renewal conversation: live carrier quotes, claims trend, stop-loss RFP, pharmacy levers.
For HR leaders, CFOs, and benefits consultants. No credit card, no commitment.