Understand what your health plan actually covers

Upload a benefits document and get a straight answer, in plain language, with every claim traced back to the page it came from.

Please upload plan documents only

  • A Summary of Benefits and Coverage or an Evidence of Coverage — the documents that describe what a plan covers.
  • Not an Explanation of Benefits, a bill, or a claim statement. Nothing with your name, member ID, or treatment details on it.

Documents you upload are stored and used to improve this tool. Don't upload anything you wouldn't want kept.

  1. 1

    Upload your plan document

    A Summary of Benefits and Coverage, or an Evidence of Coverage. PDF, up to 25 MB.

  2. 2

    Read the plain-language version

    What is covered, what you pay, and the exclusions worth knowing about.

  3. 3

    Check any claim against the page

    Every figure and answer links to the document, highlighted on the page it came from.

Benefit Explainer gives you a plain-language reading of your own plan documents. It is not insurance advice, and it is not a substitute for confirming coverage with your insurer.

Always verify anything that affects a care decision against your plan documents directly.