Insurance Policies

Indexed Policies

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Local Vector Index

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Terms Defined

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Recent Query History

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• Does my plan cover acupuncture? (Alternative Medicine) - 2h ago
• How much is an ER visit? (Hospital Services) - 3h ago
• What are my prescription drug costs? (Pharmacy) - 5h ago
• Is therapy covered with no visit limit? (Behavioral Health) - 1d ago
• Do I need a referral for a specialist? (Office Visits) - 2d ago

Indexed Policy

ZynoCare Gold 2026

• PPO Plan · In-network & Out-of-network

Key Figures

• Individual Deductible: $1,500
• Out-of-Pocket Max: $6,000
• Coinsurance: 20% (in-network)
• PCP Copay: $25
• Specialist Copay: $50

Local Processing Pipeline

All Systems Online

Document Parser

• pdf-parse: Extracts text from local PDF files

Embedding Engine

• @xenova/transformers: MiniLM-L6-v2 ONNX model

Vector Index

• hnswlib-node: HNSW approximate nearest-neighbor search

Query Engine

• Semantic search: Maps query vectors to policy sections

NLP Tokenizer

• wink-nlp: Term extraction and jargon detection

Ask About Your Coverage

Default Plan

Plan Summary

Plan Default (ZynoCare Gold 2026)

• Type: PPO
• Deductible: $1,500
• OOP Max: $6,000
• Coinsurance: 20%
• PCP Copay: $25
• Specialist Copay: $50
• ER Copay: $300
• Telehealth (PCP): $0
• Generic Rx: $10

Scenario Cost Calculator

In-Network Estimates

Your Plan Limits

Annual Deductible

• Individual: $1,500
• Family: $3,000 · Resets Jan 1

Out-of-Pocket Maximum

• Individual: $6,000
• Family: $12,000 · Plan pays 100% after

Visit Limits

• Physical Therapy: 30 visits/yr
• Chiropractic: 20 visits/yr
• Acupuncture: 12 visits/yr
• Mental Health: Unlimited
• Telehealth: Unlimited

Insurance Jargon Library

17 of 17 terms

• Cost-sharing
• Billing
• Benefits
• Network
• Claims
• Providers
• Deductible: Cost-sharing, what you pay before insurance kicks in.
• Copay: Fixed fee per service or visit.
• Coinsurance: Your percentage share after the deductible.
• Out-of-Pocket Maximum: The most you'll ever pay in a year.
• Premium: Your monthly insurance payment.
• Allowed Amount: Maximum your plan will pay for a service.
• Prior Authorization: Pre-approval required for some services.
• Formulary: Your plan's approved list of covered drugs.
• In-Network: Providers with negotiated lower rates.
• Out-of-Network: Providers without contracted rates.
• Explanation of Benefits: Summary of how a claim was processed.
• Claim: A request for payment from your insurer.
• Primary Care Provider: Your main doctor (also called PCP).
• Specialist: Doctor focused on a specific medical area.
• Balance Billing: When providers bill you beyond the allowed amount.
• Network: The group of contracted doctors and facilities.
• Coordination of Benefits: How two insurers share costs if you have two plans.

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Plan Finder

Marketplace Plan Search (Demo) · 12 sample plans

Profile Match

• Age:
• Plan Year: 2026

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Comparing

• ClearPath Bronze 5000

  • Type: Bronze, PPO
  • Premium: $198/mo
  • Deductible: $5,000
  • OOP Max: $8,700
  • PCP Copay: $40

• ValueFirst Bronze HSA

  • Type: Bronze, HMO
  • Premium: $162/mo
  • Deductible: $6,500
  • OOP Max: $9,100
  • PCP Copay: $50

For more information, please load your personalized plan details.