The health plan marketplace you just talk to.
Stuck with your employer's two options, or shopping on your own? Tell Covera your situation out loud, or by text. A team of agents searches the whole marketplace, simulates what you'd truly pay, and reaches out to your employer or hospital once you choose.
Real CMS data · Your risk, simulated · No sign-up
Advisor
“Gold caps your worst year at $8,550. It's the safe pick for you.”
You're asked to bet a year of your life on one number.
Health plans get sold on the premium: a single monthly figure. But the premium is not what bills you. What bills you is a whole year of care you can't predict, and its shape is brutally lopsided. The cheapest premium and the right plan are rarely the same plan.
Premium
the floor you pay
A typical year
what you expect
A bad year
what wrecks you
Illustrative shape of your all-in annual cost (premium + out-of-pocket). The tab simulations produce the real numbers for your situation.
The tail is the point
Healthcare spending is wildly skewed: the top 5% of people drive about half of all spending. A single average hides the year that actually bankrupts you.
You're handed two options
Your employer picks a plan or two and calls it a choice, or you're alone in a marketplace of hundreds. Neither one is modeled against your real risk.
Nobody simulates you
No one runs your drugs, your doctors, and thousands of possible years through each plan's real rules. So you guess on premium, and hope.
So Covera does the part no one else will: it simulates your real risk against every real plan, and you just talk to it or text it.
One conversation, a whole team
You talk to one agent. It talks to all of them.
Speak once. Your concierge confers with the specialists (each running the real CMS-data simulation), then reaches out to your hospital and employer on your behalf. You never repeat yourself, and you never chase anyone.
You
I'm 34, in Texas, and scared of a bill I can't pay.
A real captured mesh exchange · dollar figures computed on real CMS plan data
Every figure traces to public data
It stays in your corner all year.
Picking a plan is the start. The same agents keep working for you every time health costs get confusing.
Before any procedure
Know the cost before you go
Ask what a procedure will cost you on your own plan, before and after your deductible. No more walking in blind.
Your share, MRI knee
$95 – $312
in-network, this plan
When a bill looks wrong
Catch overcharges automatically
Forward a confusing medical bill and Covera benchmarks each line against typical allowed amounts, flagging what to question.
Potential overcharge
$760
3 lines flagged to dispute
Live coverage answers
Answers beyond the plan documents
For current formulary or policy questions your plan file can't answer, Covera runs a live web lookup and cites the source.
Live web answer
Covered · prior auth
sourced, not guessed
It acts for you
Reaches out on your behalf
Once you choose, Covera can text or email your employer's HR or a hospital, after a quick identity check, so you don't have to.
Outreach
Draft ready to send
sent only after you verify
Built for everyone the current system leaves guessing.
Patients overpay, employers overspend, and hospitals eat the bad debt. Covera lines them up on the same real numbers, and the agents connect them.
For patients
Shop, then never overpay again
Plans ranked by risk-adjusted cost, a real estimate before any procedure, a bill auditor that catches overcharges, an appeal drafter for denials, and a Coverage Card you own.
Find your planFor employers
Offer real choice
Model an ICHRA contribution against real marketplace prices and your workforce, and let employees pick what actually fits them.
Open the modelerFor hospitals
Cost clarity at the desk
Scan a patient's Coverage Card to see coverage and real point-of-care cost, without ever pulling a record.
Try the card readerThe same agents work by text, too.
Not in a place to talk? Message the exact same multi-agent system. Try it right here, no sign-up.
Talk to the real agent
This is the genuine multi-agent system: the same one that texts patients. It listens, asks about your life, runs the real CMS-data simulation, and tells you which plan fits you and why. Tell it more and it tailors. Tap any plan to ask why. No sign-up.
Want it on your phone for real? Add your number in the hero: Covera texts iMessage users (blue bubbles) when a relay is configured.
From a sentence to the right plan, and beyond.
Say your situation
Age, state, income, conditions, meds: out loud or by text. An intake agent turns it into a structured profile. No forms.
Agents do the shopping
Covera ranks every real plan in real time, then simulates your bad-year tail so the cheapest plan isn't mistaken for the right one, and compares it to your employer offer.
Choose: it acts for you
Pick a plan. Covera drafts and sends outreach to your employer or hospital, and hands you a Coverage Card you own.
Then it stays all year
Get your real cost before a procedure, forward a bill to catch overcharges, draft an appeal for a denial, and re-check at every open enrollment.
Find a better deal than the one you were handed.
Talk to Covera, or build your profile on the web. Either way you get the whole marketplace, grounded in real data, working for you.