JANET // AI BENEFITS CONSULTANT

Meet
JANET™

Your AI Benefits Consultant inside ChoiceBenefits.ai

We’re not the smartest kid on the block.JANET might be.

JANET helps employees understand and shop benefits—and helps brokers and employers compare funding paths, organize available information and ask better questions.

Choose how JANET helpsAsk JANET
CHOOSE HOW JANET HELPS

One consultant. Two clear paths.

JANET connects each audience to the right ChoiceBenefits experience and explains what to consider next.

FOR EMPLOYEES

Help me shop benefits

Start with the employer contribution, compare medical choices and add benefits that fit the employee’s family.

  • Understand the employer allowance
  • Compare medical plan choices
  • Consider family and split-plan options
  • Add dental, vision, life, HSA and voluntary benefits
Shop benefits with JANETEmployee tools →
FOR EMPLOYERS + BROKERS

Help me build the funding strategy

Begin with one census, compare viable funding paths and move the selected strategy toward enrollment.

  • Model fully insured, level-funded and self-funded options
  • Evaluate CHOICE / ICHRA and class strategies
  • Add Predictive Risk Intelligence when appropriate
  • Configure benefits, enrollment and renewal support
Build options with JANETBroker platform →

JANET helps identify, compare and explain options. Licensed professionals, carriers, underwriters and employers remain responsible for final plan and funding decisions.

START DIFFERENTLY

Start with the employer. Understand the population. Then evaluate the funding options.

Benefits decisions often start with the options presented by carriers, underwriters and vendors. ChoiceBenefits starts with the employer and the information appropriately available for the decision.

01

Identify

Surface the census, cost, geography, participation and risk signals that may matter.

02

Compare

Model more than one funding path rather than beginning with a predetermined product.

03

Explore

Turn the signals into better questions for carriers, underwriters, advisors and decision-makers.

ONE POPULATION. EVERY FUNDING PATH.

Stop choosing the product first. Understand the population first.

JANETBENEFITS INTELLIGENCE
TRADITIONAL GROUPLEVEL-FUNDEDSELF-FUNDEDCAPTIVESCHOICE / ICHRAHRAsVOLUNTARY BENEFITS
Census demographicsPopulation-risk signalsClaims when authorizedPrescription exposureSpecialty RxHigh-cost concentrationProjected cost signalsCondition + comorbidity patternsContribution strategyAffordability2027 state rate intelligenceAge + ZIP pricingCarrier optionsFunding scenariosEnrollment resultsRenewal information
POPULATION HEALTH INTELLIGENCE™

Predictive Risk Intelligence, made easier to interrogate.

JANET helps users understand and interact with ChoiceBenefits’ existing Predictive Risk Intelligence capability. Existing pricing and the current request process remain unchanged.

Explore Risk IntelligenceStart a quote
AVAILABLE WHEN DATA AND AUTHORIZATION SUPPORT IT

Signals, not diagnoses.

  • Aggregate population, age and demographic patterns
  • Claims, Rx, specialty-Rx and comorbidity signals when appropriately authorized
  • High-cost claimant concentration, projected severity and emerging population trends
  • Renewal drivers, funding paths, contributions and stop-loss questions
  • 2027 individual-market rates by state, rating area, ZIP code and age when quote data is available
JANET does not diagnose medical conditions, provide medical advice, replace underwriting or independently determine which plan an employer should purchase. Questions involving HIPAA, protected health information or secure data handling are sent to a live professional.
THE CHOICE BENEFITS ARCHITECTURE

Intelligence, execution and platform—each with a clear job.

PLATFORM

ChoiceBenefits.ai

The Benefits Operating System connecting quote, funding, benefits, enrollment, administration and renewal.

CONSULTANT

JANET™

The AI Benefits Consultant powered by the Benefits Intelligence Engine to organize signals, compare scenarios and guide the next step.

EXECUTION

ACE Method

Allowance • Carrier • Enrollment—the execution and enrollment methodology that moves strategy into action.