Health Insurance Navigator

When you log in, your dashboard gives you a complete overview of your insurance navigation journey. Everything you need is just one click away.

What You'll See on Your Dashboard

Trial Status Banner

If you're on a free trial, you'll see a friendly banner at the top showing:

• Days remaining — How much time left in your 14-day trial
• Credits used — A quick view of how many features you've tried
• Upgrade option — One-click access to Premium when you're ready

Key Statistics Cards

Four cards give you a snapshot of your account:

• Total Plans — The number of insurance plans in our database (50+ and growing)
• Your Conversations — How many chats you've had with our AI assistant
• Credits Remaining — Your available credits for comparisons, recommendations, and reports
• Account Type — Whether you're on Trial, Premium, or Premium Plus

Profile Status Card

This important card shows whether you've completed the health questionnaire:

• Not completed — Shows a prompt to take the questionnaire with an explanation of why it matters
• Completed — Shows a green checkmark and summary of your profile
• Quick access — Button to retake the questionnaire if your situation has changed

Credits Breakdown Card

A detailed view of your remaining credits by feature type:

• Plan comparisons — How many side-by-side comparisons you can run
• AI recommendations — How many personalized plan suggestions you can get
• PDF reports — How many downloadable reports you can create

Quick Action Buttons

One-click access to the most important features:

Recent Activity Feed

See your latest actions so you can pick up right where you left off:

• Recent conversations — Jump back into AI chats you started
• Comparisons you've run — Review past plan comparisons
• Reports you've created — Quick access to your saved PDFs
• Plans you've viewed — Return to plans you showed interest in

What We Ask (5 Minutes to Complete)

The questionnaire has 8 questions — 5 required and 3 optional. Here's exactly what we ask and why:

1. How many people will be covered on this plan? Are you shopping for just yourself, you and a spouse, or a whole family with children? This affects which plans make financial sense and which family deductibles apply.
2. How would you describe your overall health? Are you generally healthy with rare doctor visits? Managing one or two conditions? Or dealing with significant ongoing health issues? This helps us match you with plans that cover what you actually need.
3. How often do you typically visit doctors? Rarely (once or twice a year)? Occasionally (every few months)? Regularly (monthly or more)? Your visit frequency dramatically affects your total costs under different plans.
4. How many prescription medications do you take regularly? None? One or two? Several? Prescription coverage varies wildly between plans, so this helps us find plans that won't charge you a fortune for your medications.
5. What's more important to you — lower monthly costs or lower costs when you need care? Some people prefer paying less each month (even if they pay more at the doctor). Others want predictable costs when they use healthcare. Neither is wrong — it's about YOUR preference.
6. What's your age range? (Optional) This helps us show you accurate premium estimates, since insurance costs vary by age. If you skip this, we'll show base rates.
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 showing you HSA-eligible plans.
8. Do you currently use tobacco products? Tobacco use affects premium costs. We need to know for accurate pricing estimates.

Taking the Questionnaire

The Experience

• One question at a time — No overwhelming forms. We show you one clear question at a time so you can think about your answer.
• Progress bar — Always see how far along you are (Question 3 of 8, etc.)
• Go back anytime — Changed your mind about a previous answer? Just click back and update it.
• Skip optional questions — The three optional questions can be skipped if you prefer not to answer.
• Clear explanations — Each question includes help text explaining why we're asking and how your answer helps.

What Happens When You Finish

Your results include:

• Match scores — Each plan gets a score out of 10 showing how well it fits your needs
• Detailed reasoning — We explain WHY each plan is recommended based on your specific answers
• Cost estimates — Monthly premium AND estimated annual total cost based on your expected healthcare usage
• Key highlights — The most important features of each plan for your situation
• Next steps — Options to compare these plans, ask questions, or view more details

After You Complete It

• Profile saved automatically — Your answers are stored in your account for future use
• AI uses your profile — When you chat with our AI assistant, it knows your situation and gives personalized answers
• Premiums personalized — Plan prices throughout the app adjust based on your age and family size
• Retake anytime — Had a baby? Started a new medication? Just retake the questionnaire and your profile updates

Want to see everything that's available? The Plans page shows you our complete catalog of 50+ Minnesota health insurance plans with powerful search and filtering tools.

Understanding Metal Tiers

Health insurance plans are organized into "metal tiers" that tell you the general balance between monthly cost and out-of-pocket cost:

Search & Filter Options

Search Bar

Type anything to find plans quickly:

• Plan name — "Gold Plus" or "Bronze HSA"
• Plan code — If you know the specific code like "255" or "458"
• Insurance company — "Blue Cross" or "Medica"
• Metal tier — "Silver" or "Platinum"

Filter Options

What You See for Each Plan

The plans table shows you the most important information at a glance:

Personalized Premium Display

Viewing Plan Details

Click any plan to open a detailed view with everything you need to know:

• Full plan name and description — Complete official name and plan overview
• Your personalized premium — Exact monthly cost based on your profile (or base rate if no profile)
• Deductibles — Both individual and family amounts clearly displayed
• Out-of-pocket maximum — The most you could ever pay in a year (your safety net)
• Copays — What you pay for:
  • Primary care doctor visits
  • Specialist visits
  • Urgent care visits
  • Emergency room visits
• Coinsurance percentage — How costs are split between you and insurance after deductible
• HSA eligibility — Whether this plan qualifies for tax-advantaged Health Savings Account

Action Buttons

From the plan detail view, you can:

Our AI assistant is like having a knowledgeable friend who actually understands health insurance. Ask questions in your own words — no need to use insurance jargon. Get clear, accurate answers based on actual plan documents.

How to Use the Chat

The Interface

• Chat window — Your conversation history with the AI, showing your messages and responses
• Message box — Type your question at the bottom of the screen
• Paperclip icon — Click to upload PDF documents for analysis
• Send button — Click the arrow (or press Enter) to send your message
• Share button — Generate a link to share this conversation with someone else
• Credits badge — Shows how many recommendation credits you have remaining

Profile Status Bar

At the top of the chat, you'll see whether your health profile is being used:

Types of Questions You Can Ask

General Insurance Questions (Always Free)

Learn about insurance concepts without using any credits:

More examples of free general questions:

• "What's an HMO vs. PPO?" — Learn about different plan structures
• "How does coinsurance work?" — Understand cost-sharing after deductible
• "What's preventive care?" — Know what's covered at no cost
• "Should I get an HSA plan?" — Understand Health Savings Account benefits

Plan-Specific Questions

Ask about specific plans and get answers from actual plan documents:

More examples of plan-specific questions:

• "What's the copay for specialists on plan 255?" — Get exact dollar amounts
• "Does the Silver plan cover mental health?" — Check specific coverage
• "Is my medication covered under the Gold HSA plan?" — Check formulary coverage
• "What's the emergency room cost on the Bronze plan?" — Know before you go

Getting Recommendations (Uses 1 Credit)

Ask for personalized plan suggestions based on your profile:

Ways to ask for recommendations:

• "Recommend plans for me" — Based on your complete profile
• "I need a plan with low monthly premiums" — Focus on a specific priority
• "What plan is best for someone with diabetes?" — Based on specific conditions
• "Show me HSA-eligible plans that fit my needs" — Filtered recommendations

Requesting Plan Comparisons

Ask to compare specific plans, and the AI will send you to the comparison tool:

Calculating Personal Costs

Tell the AI about your specific healthcare usage for detailed cost estimates:

Uploading Documents

Have a plan document you want to understand? Upload it for analysis:

1. Click the paperclip icon Located next to the message box at the bottom of the chat.
2. Select your PDF file We accept PDF files up to 10MB. Best results 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 analyze insurance documents but not medical bills, ID cards, or other document types.
4. Ask your question The file appears as "Ready to send" with a yellow badge. Type your question and send.

Great questions to ask about uploaded documents:

• "Compare this with plan 255" — See how your current plan stacks up
• "What does this plan cover for mental health?" — Understand specific coverage
• "Summarize the key benefits" — Get a quick overview
• "What's the prescription drug coverage like?" — Check formulary details

Understanding AI Responses

When You Get Recommendations

Each recommended plan includes:

• Medal badge — 🥇 Gold, 🥈 Silver, or 🥉 Bronze showing rank
• Match score — A number out of 10 (like 9.2/10) showing how well it fits
• Plan name and details — Insurance company, metal tier, plan type
• Key costs — Premium, deductible, out-of-pocket max
• Why it's recommended — Specific reasons based on YOUR profile
• "I'm Interested" button — Save this plan to your interested list

Action Buttons in Responses

Many AI responses include clickable buttons to take immediate action:

• 📊 Compare Plans — Go directly to comparison with mentioned plans loaded
• 📄 View Plan Details — Open the full plan information page
• ⭐ Upgrade Now — When you've used your credits, easy upgrade access
• 📝 Retake Questionnaire — Update your profile if suggested

The Compare page is where everything comes together. See plans side-by-side with deep analysis that shows which plan wins in different scenarios — not just raw numbers, but meaningful insights.

How to Start a Comparison

1. Go to the Compare page Click "Compare Plans" in your sidebar navigation or from your dashboard.
2. Select your first plan You'll see an empty slot with a search box. Type a plan name, code, insurance company, or metal tier. Click a result to select it.
3. Select your second plan Another empty slot appears. Same process — search and click to select.
4. Add more plans if needed Click "Add Plan" to compare additional options. Trial users can compare 2 plans; Premium can add more ($2.99 per additional plan).
5. Click "Compare Selected Plans" Our system performs a deep analysis. This takes 3-6 minutes because we're doing thorough work — you'll see a progress indicator.

Plan Selection Tips

What Your Comparison Shows

Basic Comparison Table

See key numbers side-by-side:

Smart Recommendation Cards

We tell you which plan wins for different situations:

Annual Cost Scenarios

See what you'd actually pay in different real-world situations:

Color coding helps you see winners at a glance: Green = Lower Cost

Detailed Coverage Analysis

Click to expand sections comparing specific coverage areas:

• Primary Care Costs — What you pay for regular doctor visits, annual physicals, and sick visits
• Prescription Drug Coverage — How medications are covered, tier structures, specialty drug handling
• HSA Eligibility & Benefits — Tax advantages, contribution limits, and who this benefits
• Mental Health Coverage — Therapy sessions, counseling, psychiatric services, and any limits
• Specialist Visit Costs — What you pay for specialists, whether referrals are required
• Preventive Care Services — What's covered at 100% with no cost to you

Written Analysis Summary

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

• Summarizes key differences — The most important distinctions in plain language
• Explains trade-offs — What you give up and gain with each option
• Gives a bottom-line recommendation — "If you're [situation], go with Plan A. If you're [situation], Plan B is better."
• Notes important caveats — Things to double-check or consider before deciding

Generating Your PDF Report

Click "Generate PDF Report" at the bottom to create a professional document including:

• All comparison tables — Formatted beautifully for printing or sharing
• Visual charts — Cost scenario comparisons as easy-to-read graphics
• Full analysis text — The complete written analysis and recommendations
• Your profile summary — What information was used to personalize results

Reports are saved to your Reports Library for 30 days and can be shared via link or QR code.

Chat History

Every conversation with the AI assistant is automatically saved. Access your history to:

• Search past conversations — Find that recommendation you got last week
• Continue where you left off — Pick up any conversation and keep asking questions
• Star important chats — Mark favorites so they're easy to find
• Share conversations — Generate a link to share with family or advisors
• Delete unwanted chats — Clean up conversations you no longer need

Chat Display

Each conversation shows:

• Your question — In a blue bubble on the right
• AI's response — In a gray bubble on the left
• Timestamp — "2 hours ago" or "3 days ago"
• Star indicator — Yellow star if you've marked it as a favorite

Reports Library

All your generated PDF reports are saved in one place:

What You See

• Report type — Comparison, Questionnaire Results, etc.
• Plans included — Which plans are in this report
• File size — How big the PDF is
• Page count — Number of pages
• Download count — How many times you've downloaded it
• Generated date — When you created the report
• Expiration date — Reports are available for 30 days
• Status badge — Active or Expired

What You Can Do

• Download PDF — Get a fresh copy to your device
• Share report — Generate a shareable link and QR code
• Delete report — Remove reports you no longer need

Sharing Features

Share your work with anyone who needs to see it:

1. Click the "Share" button Available on reports, conversations, and comparison results.
2. Get your unique link We generate a special URL just for this content.
3. Send it any way you like Copy the link to email or text, or let them scan the QR code.

Sharing Privacy

• Link expires in 7 days — For security, shared links don't last forever
• No login required — Recipients can view without creating an account
• Only shared content visible — They see just what you shared, not your account
• Regenerate anytime — Need a fresh link? Generate a new one

Account Information

View and manage your basic account details:

• Email address — The email you use to log in
• Account type — Trial, Premium, or Premium Plus
• Member since — When you created your account

Health Profile Settings

Control how your health questionnaire data is used:

Profile Status

• Completion status — Whether you've taken the questionnaire
• Last updated — When you last filled out or updated your profile
• Profile summary — Quick view of your answers (family size, health status, etc.)

Profile Toggle

Retaking the Questionnaire

Life changes — your profile should too:

• Had a baby? Update your family size
• Started new medication? Update your prescription count
• Health improved or changed? Update your health status
• Different budget priorities? Adjust your preferences

Click "Retake Questionnaire" anytime — your new answers replace the old ones instantly.

Subscription Management

For Trial Users

• Days remaining — Countdown to trial end
• Credits breakdown — Detailed view of used vs. remaining credits
• Upgrade button — One-click path to Premium
• Benefits preview — See what you get with Premium

For Premium Users

• Current plan — Premium or Premium Plus
• Billing date — When your next payment is due
• Payment method — Last 4 digits of card on file
• Manage payment — Update your card through our secure portal
• Cancel subscription — Option to cancel (keeps access until period ends)

Account Options

How Credits Work

What Uses Credits (Trial Users)

• Plan comparisons — 1 credit per comparison you run
• AI recommendations — 1 credit when AI suggests plans for you
• PDF reports — 1 credit per report generated

What's Always Free

• General questions — Ask the AI about insurance concepts
• Browsing plans — Look at all available options
• Searching the glossary — Look up any term
• Viewing your history — Access past conversations and reports
• Updating your profile — Retake questionnaire anytime

When You Run Out

If you use all your credits for a feature:

• Friendly message — We let you know you've used that feature's credits
• Other features still work — Running out of comparison credits doesn't affect recommendations
• Easy upgrade path — One click to go Premium for unlimited access
• Your work is saved — You can still view past reports and conversations

Upgrading to Premium

1. Click any "Upgrade" button Found in your dashboard, settings, or when you run out of credits.
2. Review the benefits See exactly what you get with Premium.
3. Enter payment details Secure checkout through Stripe. We accept all major credit cards.
4. Start using immediately Your account upgrades instantly — no waiting!

Cancellation Policy

• Cancel anytime — No long-term contracts or cancellation fees
• Keep access until period ends — If you cancel mid-month, you keep Premium until your billing date
• Reactivate easily — Changed your mind? Click "Reactivate" before your period ends
• Your data stays — Profile, history, and saved reports remain accessible