Benefits Decoder: Health Plan

Decoder Labs LLC

About this app

Open enrollment. Every fall you get a 40-page benefits PDF, a deadline, and a decision that quietly costs (or saves) you $500–$2,000 a year. Most people pick whatever they picked last year.

Benefits Decoder reads your whole guide, runs the math for YOUR situation, and tells you plainly which plan wins, and why.

WHAT IT COSTS

The app is free to install. You can walk through the questions, upload your guide, and see how it works without paying anything. The report itself (the verdict, the plan-by-plan math, the 401(k) breakdown) is a single $24 payment. No subscription, no renewal, nothing stored on file.

That $24 covers a real household decision: your guide, your spouse's guide, and re-runs when HR sends the better document.

HOW IT WORKS

1. Answer four anonymous questions: who you're covering, your age bracket, how much care you expect, and whether you could set money aside for medical costs. No name, no email, no account.

2. Hand over the guide, not your data. Upload the PDF and it's read right on your device, never uploaded. Or paste the text, or type the numbers in with field-by-field help.

3. Get the verdict. About a minute later: the plan that actually costs you least, with the math to prove it.

WHAT'S IN YOUR REPORT

- The verdict: one plan, named, with the annual dollar gap to the runner-up, or an honest "it's a toss-up" when it truly is
- True annual cost for every plan: premiums plus expected medical bills, minus employer HSA money, under low, medium, and heavy usage
- How each plan is built: deductibles, out-of-pocket maximums, and copays translated into plain English
- Real-life moments, priced: a doctor visit, a specialist visit, and an ER trip on every plan
- Your 401(k) match, decoded: the exact contribution percentage that captures every match dollar
- The stuff nobody reads: free life insurance, disability coverage, FSA traps, dental, vision, ranked by dollar impact, with a two-minute to-do list

QUESTIONS THIS ANSWERS

- HSA vs PPO: which one is actually cheaper for me?
- Is a high deductible health plan (HDHP) a mistake if I see doctors often?
- PPO, HMO, EPO, HDHP: what's the real difference in dollars?
- What do my deductible and coinsurance actually cost me in a bad year?
- Should I be putting money in an HSA or an FSA?
- Am I capturing my full 401(k) match, or leaving money behind?
- Which health plan should I pick during open enrollment?

ANONYMOUS BY DESIGN

No account. No email. Your PDF is read on your own device; only its text is analyzed, once, then discarded. Your report lives on your device, not on our servers.

It's the math from your own documents, organized: education, not financial advice. Plan details are governed by the official plan documents.

Questions? [e-mail]. A human reads every message.

What’s new

Prod Release