🏥 Navitize

Getting started is quick and easy. You can explore many features without creating an account, and when you're ready for personalized recommendations, signing up takes less than a minute.

What You Can Do Without an Account

You don't need to sign up to get started. These features are completely free and open to everyone:

• Browse the Insurance Glossary — Look up any insurance term you don't understand. We explain over 17,000 terms in plain, simple language.
• Learn About Our Services — Explore what Navitize can do for you, read about pricing, and see if it's right for your needs.
• Understand Paid Family Leave — Learn about Minnesota's new paid family leave program and what it means for you.
• View Pricing Options — See all our plans and features so you can decide which one fits your needs.

Creating Your Free Account

When you're ready for personalized help, creating an account is simple:

1. Choose Your Product Are you looking for health insurance help, information about paid family leave, or tools for your business? Pick what fits your needs.
2. Click "Start Free Trial" You'll find this button on our homepage. No credit card required — your trial starts immediately.
3. Enter Your Email We just need your email address and a password. That's it!
4. Start Exploring You're in! Your dashboard is ready with all the tools you need. Your 14-day free trial begins now.

Your Dashboard — Your Home Base

After you sign up, your dashboard becomes your central hub. Here's what you'll see:

• Welcome Banner — Shows your trial status and how many days and credits you have remaining.
• Quick Action Buttons — One-click access to the most popular features like getting recommendations, comparing plans, or asking questions.
• Your Profile Status — Shows whether you've completed the health questionnaire (we really recommend it!).
• Recent Activity — See what you've been working on recently, so you can pick up right where you left off.
• Credits Overview — A clear view of how many features you've used and how many remain in your trial.

Switching Between Products

Navitize offers three different products, and you can switch between them anytime:

Just click the tabs at the top of your screen to switch. Each product has its own set of tools designed specifically for that purpose. Your work in each product is saved separately, so switching back and forth is seamless.

We believe everyone deserves access to help with their healthcare decisions. That's why we offer a generous free trial and affordable plans for when you need more.

For Individuals & Families

What Your Trial Credits Let You Do

During your free trial, you get a set number of uses for our most powerful features. Here's what that means in real terms:

For Insurance Brokers

If you help clients choose insurance professionally, we have plans designed for you:

For Healthcare Providers

Doctors, clinics, and medical groups can use Navitize to help patients understand their coverage:

• Help patients understand their coverage — Answer insurance questions patients ask your staff
• Verify coverage before procedures — Know what's covered before you provide care
• Patient education resources — Materials to help patients make better insurance choices

Pricing: Solo ($99/mo) • Practice ($149/mo) • Group ($299/mo)

Choosing health insurance doesn't have to be overwhelming. We've made it simple to understand your options, get personalized recommendations, and make a confident decision.

Step 1: Tell Us About Yourself (The Health Questionnaire)

The Questions We Ask (Takes About 5 Minutes)

1. How many people need coverage? Just you? You and a spouse? A whole family? This affects which plans make sense and how much you'll pay.
2. How would you describe your overall health? Are you generally healthy, managing some conditions, or dealing with significant health issues? Be honest — this helps us find plans that cover what you actually need.
3. How often do you typically see doctors? Rarely? A few times a year? Frequently? This helps us estimate your real costs under different plans.
4. Do you take regular medications? None, a few, or several? Prescription drug coverage varies wildly between plans, so this is important.
5. What's most important to you — lower monthly cost or lower out-of-pocket costs? Some people prefer paying less each month even if they pay more when they use care. Others want to know their costs are capped. There's no wrong answer!
6. How old are you? (Optional) This helps us calculate accurate premium estimates, since costs vary by age.
7. Are you interested in a Health Savings Account (HSA)? (Optional) HSAs let you save money tax-free for healthcare. If you're interested, we'll prioritize HSA-eligible plans.
8. Do you use tobacco? This affects your premium costs, so we need to know for accurate estimates.

What Happens After You Answer

• Instant analysis of 50+ health plans — Our system reviews every available plan based on your specific answers
• Your top 3 personalized recommendations — Each with a "match score" showing how well it fits your needs
• Clear explanations — We tell you WHY each plan is recommended for your situation
• Cost estimates that make sense — Monthly premiums AND estimated annual costs based on your expected usage
• Your profile is saved — Future recommendations and AI conversations will use this information automatically

Step 2: Browse All Available Plans

Want to see everything that's available? Our Plans page shows you all 50+ health insurance options with easy ways to find what you're looking for:

Search & Filter Options

• Search by name — Looking for a specific plan you've heard about? Just type its name.
• Filter by insurance company — Only want to see Blue Cross plans? Or maybe you prefer Medica? One click to filter.
• Filter by metal tier — Bronze (lower premiums, higher out-of-pocket), Silver, Gold, or Platinum (higher premiums, lower out-of-pocket)
• Show only HSA-eligible plans — If saving tax-free for healthcare is important to you
• Sort by cost — Arrange plans from cheapest to most expensive (by premium or deductible)

What You See for Each Plan

• Plan name and insurance company — Who's offering it and what it's called
• Metal tier with color coding — Quick visual indicator of the plan level
• Monthly premium — What you'll pay each month just to have the coverage (personalized if you've taken the questionnaire!)
• Deductible — How much you pay before insurance kicks in
• HSA badge — Shows if the plan qualifies for a Health Savings Account

Click Any Plan for Full Details

When you click on a plan, you'll see everything you need to know:

• Your personalized premium — Based on your age and family size (if you've completed the questionnaire)
• Deductibles — Both individual and family amounts
• Maximum out-of-pocket — The most you'd ever pay in a year (your safety net)
• Doctor visit costs — What you pay for primary care, specialists, urgent care, and emergency rooms
• Coinsurance percentage — How costs are split between you and insurance after your deductible
• Quick action buttons — Compare this plan with others, or ask our AI specific questions about it

Our AI assistant is like having a knowledgeable friend who actually understands health insurance. Ask questions in your own words, and get clear, helpful answers based on real plan documents — not generic information.

What You Can Ask

General Insurance Questions (Always Free)

Plan-Specific Questions

Getting Recommendations

• "Recommend a health plan for me" — Get personalized suggestions based on your health profile
• "I need a plan with low monthly premiums" — We'll find options that fit your budget priorities
• "Show me plans that cover my diabetes medications" — Get recommendations focused on your specific health needs
• "What's the best plan for a family with young kids?" — Recommendations considering pediatric coverage and family needs

Calculating Your Personal Costs

Uploading Your Own Documents

Have a plan document you want to understand? You can upload it and ask questions about it:

1. Click the paperclip icon You'll see it next to the message box at the bottom of the chat.
2. Select your document We accept PDF files up to 10MB. This works best with Summary of Benefits documents or benefit booklets.
3. Confirm it's an insurance document Check the box confirming this is a plan document (we can't analyze medical bills or ID cards).
4. Ask your question For example: "Compare this with plan 255" or "What does this plan cover for physical therapy?"

How the AI Uses Your Health Profile

If you've completed the health questionnaire, the AI automatically uses that information to give you better answers:

• Personalized cost estimates — Based on your family size, age, and expected healthcare usage
• Relevant recommendations — Plans that make sense for your specific health conditions
• Contextual advice — Suggestions that factor in your budget preferences and priorities

Understanding AI Responses

When You Get Recommendations

Each recommended plan shows:

• Medal badge — Gold, silver, or bronze showing the ranking
• Match score — A number out of 10 showing how well it fits your needs
• Plan details — Name, insurance company, metal tier, and key costs
• Why it's recommended — Detailed explanation of how this plan matches your situation
• "I'm Interested" button — Save plans you like for later comparison

Quick Action Buttons

Many AI responses include buttons you can click to take immediate action, like "Compare These Plans" or "View Full Details" or "Upgrade for More." These save you time navigating around.

Seeing plans next to each other makes the differences crystal clear. Our comparison tool analyzes plans deeply and shows you exactly how they stack up for different situations.

How to Compare Plans

1. Go to the Compare page Click "Compare Plans" in your sidebar or from your dashboard.
2. Select your first plan You'll see an empty slot with a search box. Type a plan name, insurance company, or metal tier to find it.
3. Select your second plan Same process — search and click to select.
4. Add more plans if needed Click "Add Plan" to compare more options. Trial users can compare 2 plans; Premium users can add more.
5. Click "Compare Selected Plans" Sit back while we analyze everything. This takes 3-6 minutes because we're doing a thorough analysis.

What You Get in Your Comparison

Basic Side-by-Side Comparison

See the key numbers for each plan in columns:

• Monthly premium — Personalized to your situation if you've completed the questionnaire
• Deductible amounts — Individual and family
• Maximum out-of-pocket — Your annual spending cap
• Insurance company and plan type — So you know who you're dealing with

Smart Recommendations

We tell you which plan is best for different situations:

Annual Cost Scenarios

See what you'd actually pay in different situations:

Each scenario shows color-coded results: Green = Low Cost Yellow = Moderate Red = Higher Cost

Detailed Coverage Analysis

Click to expand detailed sections comparing:

• Primary Care Costs — What you pay for regular doctor visits under each plan
• Prescription Drug Coverage — How medications are covered, including tier structures
• HSA Benefits — Tax advantages and contribution limits if eligible
• Mental Health Coverage — Therapy, counseling, and psychiatric services
• Specialist Visit Costs — What you pay to see specialists
• Preventive Care — What's covered at no cost to you

Written Analysis

At the bottom, you get a comprehensive written analysis that:

• Summarizes the key differences — In plain language, not insurance jargon
• Explains who each plan is best for — Based on different life situations
• Highlights important details — Things you might miss just looking at numbers
• Gives a bottom-line recommendation — If you're still unsure, we'll tell you what we'd suggest

Downloading Your Comparison Report

Want to save or share your comparison? Click "Generate PDF Report" to create a professional document that includes:

• All the comparison data — Everything you see on screen, formatted beautifully
• Charts and visuals — Easy-to-understand graphics showing cost scenarios
• The full written analysis — Our detailed recommendations and explanations

Your report is saved to your Reports Library, where you can download it again anytime or share it with family members, financial advisors, or anyone helping you make this decision.

Minnesota's new Paid Family and Medical Leave program starts January 1, 2026. This means you can take time off for important life events — and still get paid. We help you understand exactly what you're entitled to.

When Can You Use Paid Family Leave?

How Much Will You Get Paid?

The program replaces a portion of your wages using a formula that gives lower-income workers a higher percentage:

• 90% of wages — For the portion of your pay up to 50% of the state average wage
• 66% of wages — For the portion between 50% and 100% of the state average
• 55% of wages — For any amount above the state average wage
• Maximum benefit: $1,423 per week — This is the cap for 2026, regardless of your income

Using the Benefit Calculator

1. Enter your annual salary Just type in your yearly earnings. We'll automatically show your weekly wage too.
2. Select your leave type Choose from bonding, medical, family care, or safety leave.
3. Tell us if you've used leave this year If you've already taken PFML leave, check the box and enter how many weeks. This affects how much time you have remaining.
4. Choose how many weeks you need Use the slider to select 1-12 weeks (or less if you've already used some).
5. Click "Calculate My Benefits" Instantly see exactly how much you'll receive!

What Your Results Show

• Your weekly benefit amount — The exact dollar amount you'll receive each week
• Your wage replacement percentage — What portion of your normal pay this represents
• Total for your leave period — The complete amount you'll receive over all your weeks off
• Breakdown explanation — How we calculated your benefit using the state formula

Tracking Your Leave

The Leave Tracker helps you plan and monitor your time off:

• Calendar view — See all your leave visually on a calendar
• Color-coded status — Gray for planned, green for active, blue for completed, red for denied or canceled
• Running totals — Always know how many weeks you've used and how many remain
• Automatic integration — Your tracking data feeds into the calculator, so you don't have to enter it twice

Asking Questions About the Law

Not sure if something qualifies or how a rule applies to your situation? Ask our AI assistant:

Every answer includes references to the actual Minnesota law, so you can be confident the information is accurate.

If you run a business in Minnesota, you need to be ready for Paid Family Leave by January 1, 2026. We make it easy to understand your obligations, calculate your costs, and manage employee leave requests.

Getting Started as an Employer

1. Sign up for an employer account Click the "Employer PFML" tab and select "Start Free Trial." Enter your company name and contact information.
2. Get verified If you use a business email ([email protected]), you're approved instantly. Personal emails are verified within 1-2 business days to prevent fraud.
3. Add your employees Enter employees one by one, or upload a spreadsheet with everyone at once.
4. Calculate your premium costs See exactly what you'll owe based on your payroll.
5. Work through the compliance checklist We guide you through everything you need to do before the deadline.

Your Employer Dashboard

At a glance, see everything important about your PFML status:

• Employee count — How many employees you have on record and your plan limit
• Days until deadline — Countdown to January 1, 2026 when you must be compliant
• Compliance status — "On Track" or "Setup Needed" so you know where you stand
• Estimated monthly premium — What you should budget for PFML costs

Managing Your Employee Roster

Adding Employees Manually

For each employee, enter:

• Name — First and last name
• Email — For communication purposes
• Hire date — When they started working for you
• Annual salary — Used to calculate premium costs

Importing from a Spreadsheet

Have lots of employees? Use our bulk import:

1. Download our template We provide a spreadsheet template with the right columns already set up.
2. Fill in your employee data Copy information from your payroll system or enter it manually.
3. Upload the file We'll validate the data and import everyone at once.

Understanding Your Premium Costs

The Premium Calculator shows exactly what you'll pay:

• Total payroll — The sum of all employee salaries
• Employer portion — What you pay as the business owner
• Employee portion — What's deducted from employee paychecks
• Monthly total — Your complete monthly obligation
• Annual projection — Budget planning for the full year
• Per-employee cost — Average cost per person on your roster

Managing Leave Requests

When employees request PFML leave, you'll see it in your dashboard:

• Pending requests — Leave requests waiting for your review
• Active leave — Employees currently on approved leave
• Upcoming leave — Approved leave that hasn't started yet
• Leave history — Complete record of all past leave

For Each Leave Request, You Can:

• Review the details — See who's requesting, what type of leave, and for how long
• View supporting documents — Medical certifications or other required paperwork
• Approve the request — Grant the leave with one click
• Deny with explanation — If there's a valid reason to deny, you can document it

Compliance Checklist

We guide you through everything required for compliance:

• Add your employee roster — Everyone who works for you should be in the system
• Create your leave policy — Document how your company will handle PFML requests
• Notify your employees — They need to know about their rights under the new law
• Review your premium calculations — Make sure you're budgeting correctly
• Set up your payment method — Be ready to pay premiums when they're due

Each item shows a checkmark when complete and an action button when you still need to do it. Your overall status shows "On Track" when you're ready or "At Risk" if you're behind.

Ready-to-Use Resources

Download templates and documents you need:

• Employee notification letter — Inform your team about the new program
• PFML policy template — A starting point for your company's leave policy
• Workplace poster — Required to be displayed where employees can see it
• Employee FAQ document — Answers to common questions your team will have
• Payroll deduction authorization — Forms for employees to acknowledge paycheck deductions

Inviting Your Team

You don't have to manage everything alone. Invite others from your company:

• Owners — Full access to everything, including the ability to delete the organization
• Administrators — Can manage employees and leave requests, but can't delete the organization
• Viewers — Can see information but can't make changes (great for accountants or advisors)

Invited team members receive an email with a link to create their account and are automatically connected to your organization.

Employer Pricing

Your Settings Page

Find everything about your account in one place:

Account Information

• Your email address — The email you use to log in
• Account type — Shows whether you're on Trial, Premium, or Premium Plus
• Member since — When you created your account

Health Profile Settings

• Profile status — Whether you've completed the health questionnaire
• Use my profile for AI responses — Toggle this on or off depending on whether you want personalized recommendations
• Retake questionnaire — Update your answers if your health situation has changed
• View your answers — See what information you provided

Subscription & Billing

If You're on a Free Trial

• See how many days remain — Know exactly when your trial ends
• Check your credit usage — See how many comparisons, recommendations, and reports you've used
• Upgrade anytime — One click to become a Premium member

If You're a Paying Member

• See your current plan — Premium or Premium Plus
• Check your billing date — When your next payment will be charged
• Update payment method — Change your credit card through our secure payment partner
• View billing history — See all past payments
• Cancel subscription — You can cancel anytime and keep access until your current period ends

Upgrading Your Account

1. Click "Upgrade to Premium" anywhere you see it We show this button in your dashboard, settings, and whenever you run out of credits.
2. Review the benefits See exactly what you get with Premium versus your current plan.
3. Complete checkout Enter your payment information on our secure checkout page.
4. Start using unlimited features immediately Your account is upgraded instantly — no waiting!

Canceling Your Subscription

We hope you'll stay, but if you need to cancel:

1. Go to Billing in your settings Find the "Cancel Subscription" button.
2. Confirm your decision We'll ask you to confirm, and explain what happens next.
3. Keep access until your period ends You've paid for this month, so you keep all Premium features until then.
4. Change your mind anytime Before your period ends, you can click "Reactivate" to continue your subscription.

Insurance documents are full of confusing words. Our glossary explains over 17,000 terms in plain language — and it's completely free to use, no account required.

How to Use the Glossary

1. Go to the Glossary page Find it in the main menu, or just visit it directly — no login needed.
2. Type your term in the search box Enter any word or phrase you want to understand.
3. Get instant results We show up to 10 matching terms with their definitions.
4. Click "Read more" for full details Expand any term to see the complete explanation.

Smart Search Features

• Typo correction — Typed "deductibl" instead of "deductible"? We'll figure out what you meant.
• Synonym matching — Search "copay" and find "copayment" too.
• Related terms — Discover terms related to what you searched.

Browse by Category

Not sure what to search? Browse terms by category:

Common Terms People Search

Your Chat History

Every conversation you have with our AI is automatically saved:

• Find past conversations — Search through all your questions and the answers you received
• Star your favorites — Mark important conversations so you can find them quickly later
• Continue where you left off — Click any conversation to pick up the discussion
• Share with others — Generate a link that lets someone else see the conversation

Your Reports Library

All the PDF reports you create are saved in one place:

• See all your reports — Plan comparisons, benefit calculations, and more
• Download anytime — Get a fresh copy whenever you need it
• Share with family or advisors — Generate shareable links or QR codes
• Track expiration — Reports are available for 30 days, so you know when to download them

Sharing Features

Need to share something with a spouse, family member, or financial advisor?

1. Click the "Share" button You'll see this on reports, conversations, and comparison results.
2. Get your unique link We create a special URL just for this content.
3. Send it however you like Email it, text it, or let them scan the QR code with their phone.

Downloading Reports

Your PDF reports are professional documents you can use anywhere:

• Print them out — Great for discussing with family at the kitchen table
• Email them to your HR department — If you're comparing employer options
• Save for your records — Keep documentation of your research
• Share with a broker or advisor — Give professionals the full picture of what you've analyzed

Built-In Help Resources

• The Glossary — Look up any insurance term you don't understand (17,000+ terms)
• Question marks and tooltips — Hover over (?) icons throughout the app for quick explanations
• Help text under forms — We explain what each field means as you fill things out
• Ask the AI — Type any question in the chat and get an immediate answer

Contacting Our Support Team

Sometimes you need a real person. Here's how to reach us:

When You Contact Us, Include:

• Your email address — So we can find your account
• What you were trying to do — The more detail, the faster we can help
• What went wrong — Error messages, unexpected behavior, or confusion
• Screenshots if possible — A picture really is worth a thousand words

Providing Feedback

We're constantly improving Navitize based on what you tell us:

• Thumbs down button — If an AI response isn't helpful, click thumbs down and tell us why
• Feature requests — Email us with ideas for new features you'd find helpful
• Bug reports — If something isn't working right, let us know

Frequently Asked Questions