01
Before care
Understand potential costs, compare options and see how your coverage and benefits may apply before scheduling.
HEALTHCARE FINANCIAL INTELLIGENCE
Know before the
bill arrives.
COVELI helps you understand your healthcare coverage, costs and benefits — before, during and after care.
Built for one person or a whole family. Covered or self-pay. One plan or many.
9:41● ● ●
Good morning.CB
ASK COVELI
My daughter needs elbow surgery. Can we afford it?
Estimated responsibility
$1,740–$2,050
Based on your current coverage and available pricing.
HSA$1,875
Deductible left$560
Potential accident benefit up to $750
Coverage Brain updatedToday
THE PROBLEM
Healthcare shouldn't require
an insurance degree.
Families are expected to make expensive decisions while coverage, pricing, deductibles, benefits, claims and bills live in different places.
“What will this actually cost us?”
“Does this bill match my EOB?”
“Would self-pay cost less?”
“What benefits could help?”
MEET COVELI
Your healthcare financial
intelligence layer.
COVELI brings the pieces together so you can understand what applies, what care may cost, what could help, and what to check before you pay.
02
During care
Keep the financial story of a healthcare event organized as services, providers and your coverage position change.
03
After care
Understand claims and EOBs, compare bills and surface discrepancies before money leaves your account.
ASK COVELI
Ask the question you actually have.
AI is how you talk to COVELI. The intelligence comes from understanding your coverage, financial position, benefits and healthcare event together.
“Emma needs elbow surgery. What should we expect to pay?”
- Current deductible and out-of-pocket position
- In-network and self-pay scenarios when relevant
- HSA/FSA and supplemental benefits that may help
- Known facts, estimates and what still needs verification
PERSONALIZED ESTIMATE● Medium confidence
Elbow surgery for Emma
$1,740–$2,050
Estimated member responsibility
Deductible remaining$560
Coinsurance after deductible20%
Available HSA$1,875
Benefit foundAccident policy may pay up to $750
Illustrative prototype data. Actual costs and coverage may vary.
CHECK BEFORE I PAYEmma's elbow injury
COVELI caught this.
Hospital bill$3,240
EOB responsibility$2,870
Difference to review$370
Before paying, COVELI helps you understand why the numbers differ and what to verify next.
AFTER CARE
Before you pay,
check the story.
The appointment ending shouldn't end the intelligence. COVELI connects expected costs to claims, EOBs and provider bills so you can see whether the financial outcome makes sense.
THE COVERAGE BRAIN
Healthcare changes.
COVELI changes with it.
Your deductible gets met. A claim processes. A plan year resets. A benefit becomes relevant. COVELI is designed to understand what changed — and why it matters to the next decision.
COVELI NOTICED
Emma's deductible is now met.
That changes the estimate for care that happens next.
Illustrative MRI estimate~$820 before~$310 now
Illustrative prototype scenario only.
THE VISION
One person or one family.
One COVELI.
Medical. Dental. Vision. Pharmacy. HSA/FSA. Supplemental benefits. And over time, broader protection intelligence — all designed around the person, not the system.
COVELI works for you.Even when an employer or partner pays for access.
Your information is not a sales lead.Exploring options does not authorize unwanted calls or data sharing.
Never hide uncertainty.Known facts, estimates and items needing verification stay distinct.
FOUNDING FAMILIES
Help us build a better way to understand healthcare costs.
We're building COVELI and inviting our first users to help shape it. Join for early access, product updates and opportunities to give feedback.
No spam. No selling your information. This early form does not collect medical records or sensitive health information.