Most small and medium businesses renew their employee health insurance every year without really knowing if it is still the right plan. You get a renewal notice, the premium has gone up again, and you sign because there is no time to compare.
BenifitPilot reviews your current policy, finds the gaps, and shows you where you are overpaying - in a free, no-obligation health check built for companies with 20 to 200 employees.
Employee health insurance is usually the second or third largest line item in an HR budget, and it is also the one that gets the least scrutiny. Plans get renewed on autopilot, premiums creep up, and nobody checks whether the coverage still matches the team.
Identify benefits your team has never claimed and redirect that budget to cover what they actually need.
Coverage gaps discovered during a claim create costly frustration and attrition. We find them first.
See exactly how your plan compares to 3 to 5 alternatives from other insurers at similar company sizes.
Walk into your next renewal negotiation with data - with or without us managing the process.
No more chasing the broker for answers. You get a plain-English summary of exactly what your team has and what they are missing.
We do the digging. You get a straightforward report - not a sales pitch - that tells you exactly where your current plan stands and what to do next.
Complete review of your current policy documents and premium structure from top to bottom.
Across outpatient, inpatient, maternity, dental, and mental health benefits.
Benchmarked against 3 to 5 relevant plans from other insurers in your market.
Where your premium is going and what is driving year-on-year increases.
Where data is available, we flag underused or overused benefits to right-size cover.
Specific, actionable recommendations you can act on immediately or bring to your broker.
Getting clarity on your employee benefits does not need to be a long process. Most companies go from first call to a clear report within a week.
Book your free health check and send over your current policy documents. Takes about 10 minutes to get started.
Our advisors review your plan, benchmark it against the market, and identify coverage gaps and cost opportunities.
You get a clear report and a short call to walk through findings - no pressure to switch providers or sign anything.
BenifitPilot works with founders, HR managers, and operations leads responsible for employee health benefits - but without the time to become insurance experts. The pattern we see again and again: companies are paying for coverage their team does not use, missing coverage their team actually needs, or renewing on autopilot without ever comparing the market.
We had no idea our plan excluded dependents until BenifitPilot flagged it during the health check.
The renewal process used to eat a full week of my time. Now it takes one call.
They found gaps our previous broker never mentioned in three years.
Everything you need to know before booking your free health check.
Yes. There's no cost and no obligation to become a client afterward. We use it to show you exactly where your current plan stands, and most companies find it valuable enough to want ongoing support.
Most health checks are completed within a few business days of receiving your current policy documents. The initial call to get started takes about 20 to 30 minutes.
No. Some companies stay with their current provider and simply renegotiate terms or add missing coverage. The health check shows your options - you decide what to do with them.
Your current policy documents, a rough headcount, and any claims history you have on hand. We'll tell you exactly what's needed on the intro call, and we handle the comparison work.
No. The health check is an independent review on our side. Any changes to your plan only happen if and when you decide to make them.
Yes. Any information you share is used only to prepare your health check and is not shared with third parties beyond what's needed to compare plans.
We walk you through the findings on a call, show you where you're overpaying or underinsured, and outline options. If you want help acting on it - including renewal and claims support - we can continue working together. If not, you keep the report.
Find out in under 30 minutes whether your team's health insurance is actually working for them - and for your budget. No cost, no pressure, no commitment to switch anything.
Get My Free Benefits Health Check
Takes 10 minutes. Report delivered within the week.