Plans are hard to use
Deductibles, networks, referrals, prior authorizations, and cost-sharing rules make it nearly impossible for employees to know what care will cost or where to go.
AI benefits navigation for self-funded employers
Transform your health plan into a personal guide for every employee.
Propellor connects to the benefits data you already have — plan design, eligibility, accumulators, networks, and point solutions — so employees can understand coverage, find lower-cost in-network care, and use the programs you already pay for.
Start with benefits, eligibility, and accumulator data. Add claims-based targeting as the partnership matures.
The problem
Your benefits are generous. Your employees still have to figure them out alone.
Self-funded employers spend thousands per employee on health plans, vendors, and point solutions. But that value is scattered across PDFs, portals, carrier sites, provider directories, and HR inboxes.
Paid-for programs go unused
Mental health, virtual PT, fertility, maternity, second opinion, diabetes, and condition-specific programs often sit undiscovered until the moment has passed.
HR becomes the help desk
Benefits teams answer the same coverage and navigation questions one ticket at a time, while employees still struggle to take the next step.
Product in action
Built around the healthcare moments employees actually face.
Propellor turns plan data, benefit rules, eligibility, accumulators, and provider information into clear next steps for real employee moments — from checking coverage to choosing care to using employer-paid programs.
MRI coverage and care steering
“Does my plan cover an MRI?”
Sarah asks a plain-English coverage question. Propellor checks her PPO plan, deductible status, referral requirements, and in-network imaging options, then recommends a lower-cost next step.
Deductible-aware coaching
“You’re $350 from meeting your deductible.”
Propellor helps employees understand when care may cost less, what they’ve already spent, and which covered programs can reduce out-of-pocket costs.
Benefits activation during a life event
“Expecting a baby?”
Propellor gathers maternity benefits, paid leave, nurse support, breast pump coverage, and related family resources into one guided journey.
Finding the right in-network care
“Find the right doctor for your plan.”
Employees can compare in-network providers by plan fit, estimated cost, availability, distance, and quality signals — then take action.
How it works
Start lightweight. Get more powerful over time.
Propellor does not need full claims integration on day one. Design partners can start with the data already available to benefits teams and add deeper personalization as the relationship matures.
Start with the benefits foundation
- Plan documents, SBCs, SPDs, and benefit guides
- Point-solution and vendor materials
- Eligibility files
- Provider directory and network references
- Employer-specific benefit rules and perks
Add employee-level personalization
- Plan selection and coverage tier
- Dependent eligibility
- Deductible and out-of-pocket accumulators
- Referral and prior authorization rules
- Program eligibility and access instructions
Expand with claims-informed guidance
- Medical and pharmacy claims
- Utilization patterns
- Care gaps and avoidable spend signals
- Point-solution targeting
- Aggregate ROI and savings analysis
Propellor is the employee-facing action layer for self-funded healthcare data — starting with benefits navigation and expanding into claims-informed guidance over time.
For employers
Prove your benefits budget is working.
Propellor gives benefits leaders a privacy-safe view of engagement, benefits activated, avoided HR questions, care navigation outcomes, and estimated employee savings — without exposing individual health details.
- Employee engagement
- Benefits activated
- HR tickets avoided
- Estimated employee savings
- Estimated ROI
- Point-solution utilization lift
Privacy & trust
Personalized for employees. Private for employers.
Employees get guidance based on their plan, family coverage, and benefit eligibility. Employers see aggregate trends and program impact — not individual health questions, diagnoses, or personal care decisions.
- Employee-level guidance stays private
- Employer reporting is aggregate and de-identified
- Designed for least-privilege data access
- Can start without claims data
- Claims-based insights can be added only with appropriate agreements and controls
Explore a design partnership
Help employees use the benefits you already pay for.
We’re partnering with a small group of self-funded employers to build the next generation of plan-aware benefits navigation.
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