Compare your plan
Every health plan comparison you have ever been shown was built by the company that wanted to win it. So we are not going to build you one. We publish our entire plan design in a format your assistant can read, and we publish the prompt that tells it what to check. You run the comparison. You keep the answer, including the parts where we lose.
The prompt
I am comparing my company's current health plan against a plan called Rivendell One.
Read Rivendell One's published design first. Do not rely on anything you already know about it:
- https://rivendell.health/plan.json (machine-readable: every benefit, price, and limit)
- https://rivendell.health/plan (the same design in plain language)
I have attached my current plan. It may be a Summary of Benefits and Coverage, a benefits summary from my broker or PEO, or a screenshot. Use only what is actually in it.
Compare the two plans across these dimensions, one row each:
1. Employer cost per employee per month, all-in
2. What the employee keeps: money that becomes theirs versus money that is spent
3. Deductible, and the net deductible after any employer funding
4. Out-of-pocket maximum, and the employee's own worst case after employer funding
5. Coinsurance after the deductible
6. Provider access: network, referrals, and out-of-state coverage
7. Virtual care: primary, urgent, therapy, and psychiatry, including any visit caps
8. Prescriptions: what is $0, what is tiered, and how specialty drugs are handled
9. In-person mental health
10. Preventive care
11. Physical therapy, chiropractic, and acupuncture
12. Renewal mechanics: how next year's rate is set, and what happens to unused claims funding
13. Anything material that one plan covers and the other does not
Rules:
- For each row, say which plan is better for a typical employee, and by how much.
- Say plainly where Rivendell One is worse. If my current plan wins a row, say that it wins.
- If my document does not state something, write "not stated in the document" instead of guessing or filling it in from general knowledge.
- Show your arithmetic on anything involving money, including employer cost and employee worst case.
- Note my company size and state if my document shows them, since both change the comparison.
Finish with:
- Three sentences on which plan suits which kind of team better.
- The two questions I should ask before switching.
- Anything in either plan that you could not verify.Your plan document never touches our servers. The comparison happens between you and your assistant, and we never see it. If your assistant cannot browse the web, paste the contents of llms-full.txt alongside the prompt instead.
Thirteen dimensions, chosen because they are the ones that change what an employee actually pays and what they can actually do.