Pravven

Clarity Tool In development

Understand your benefits before you choose.

The Pravven Benefits Clarity Engine is a decision-support product in development. It is designed to review employee benefit documents and help you understand plan costs, coverage details, important tradeoffs, and the information to confirm before enrollment.

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Capabilities

What it’s designed to do

Every finding points back to the page it came from, and anything the documents don’t answer is labeled as missing rather than estimated.

Document review

Identifies key information in your benefit documents, and flags pages that are unreadable or materials that are incomplete.

Benefits breakdown

Explains coverage terms, costs and plan provisions in plain English.

Plan comparison

Lines up the plan information available, including premiums, deductibles, out-of-pocket maximums and other differences that matter.

Missing information

Identifies details that are unclear or unavailable and could affect your decision.

Questions before enrollment

Prepares specific questions for your HR team, benefits administrator or carrier.

The process

From documents to clarity.

Four steps, in order. If a document can't be read completely, the process stops and says why instead of guessing.

Then you decide, with HR, your broker, your carrier or your provider. Pravven doesn't choose a plan or enroll you.

Illustrative example · invented plan, not a real analysis

Pravven Benefits Clarity Engine 1 · Document check
  • Benefits Plan.pdf24 of 24 pages readable Readable
  • Summary of Benefits.pdf8 of 8 pages readable Readable
  • Enrollment Guide.pdfPage 6 is an image with no readable text Needs review

Paused. Analysis waits until every page can be read. Upload a readable copy of the Enrollment Guide to continue.

Pravven Benefits Clarity Engine 2 · Key data

Medical plan · in-network, individual

Annual deductible
$1,500
SBC p.1
Out-of-pocket maximum
$5,000
SBC p.1
Primary care copay
$25
SBC p.2
HSA eligible
No
Plan p.3
Employee premium
Needs confirmation
Not stated
Pravven Benefits Clarity Engine 3 · Gaps & consistency
  • CriticalEmployee premium not provided in any document
  • CriticalPossible discrepancy: specialist copay is $50 in the SBC, $60 in the Enrollment Guide
  • VerifyPrescription coverage requires confirmation for your medications
  • MinorDependent eligibility language unclear
Pravven Benefits Clarity Engine 4 · Findings

Pravven's Read Interpretation

A PPO with predictable copays for routine care. What you'd pay in a year can't be estimated until the premium is confirmed.

Deductible$1,500Stated · SBC p.1
Out-of-pocket max$5,000Stated · SBC p.1
Annual premiumUnconfirmedCan't calculate yet
Plan detail confidence Moderate Decision confidence Low

Needs attention

  • CriticalPremium missing, so total cost is unknown
  • CriticalSpecialist copay differs between documents

Questions to ask HR

  1. What is the employee premium, and how often is it taken from my pay?
  2. Which specialist copay is correct, $50 or $60?
  3. Are my prescriptions covered, and at which tier?

Behind the scenes: the standards it's being built to

Traceability
Key findings reference the source document and page.
Accuracy
Stated facts, calculations and interpretations are kept apart.
Prioritization
Critical issues are separated from minor observations.
Transparency
Anything that couldn't be read or verified is disclosed.
Actionability
Every report ends in specific questions and next steps.

The walkthrough above is illustrative. The documents, plan and figures are invented, and it is not the output of a real analysis.

Sample analysis

What an analysis looks like on the site

This is the format you'd read online after a review: the read, costs, gaps, what to verify, confidence and questions to ask. The downloadable PDF reports further down are a separate, longer format.

Sample Employer · Medical

Sample PPO 1500

Employee-only coverage · 2 documents reviewed · all 32 pages readable

Illustrative · invented plan

Pravven's Read Interpretation

A PPO with set copays for routine visits and a $1,500 deductible. With $1,500 a year in premium, a worst-case in-network year comes to about $6,500. It suits someone who wants the option of out-of-network care and expects a few doctor visits. If you're expecting a major procedure, compare its out-of-pocket maximum with your other options first.

What it will cost

Your premium
$62.50 per paycheck · 24 paychecks a year
Guide p.12
Annual premium
$1,500.00 $62.50 × 24, calculated
Calculated
Deductible
$1,500 in-network · $3,000 out-of-network
SBC p.1
Out-of-pocket maximum
$5,000 in-network · not stated out-of-network
SBC p.1
Primary care visit
$25 copay
SBC p.2
Specialist visit
$50 copay
SBC p.2
Emergency room
$300 copay, then 20% coinsurance
SBC p.3
Generic drugs
$10 copay
SBC p.4

Estimated worst-case in-network year

$6,500

Estimate: $1,500 annual premium + $5,000 in-network out-of-pocket maximum, same coverage tier. Out-of-network care and services the plan doesn't cover would be on top of this.

What's missing

  • CriticalThe out-of-network out-of-pocket maximum isn't stated in either document. Without it, there's no ceiling on out-of-network costs.
  • VerifySpecialty drug cost-sharing isn't listed.
  • MinorThe guide doesn't say whether the deductible resets on January 1 or at the start of the plan year.
Illustrative example. The employer, plan, documents and figures are invented, and this is not the output of a real analysis. Always confirm plan details with your plan documents and HR team before you enroll.

Sample reports

Two reports from earlier in development

The single-plan breakdown was generated by the engine from a real Summary of Benefits and Coverage. The three-plan comparison is a constructed example with invented figures, laid out to show the comparison format. Click any page to read it full size.

Important: examples and verification. These reports show how the Pravven Benefits Clarity Engine is being developed. A suggested plan to review first is an educational starting point based on stated preferences and available source material, not a guarantee that the plan is right for you. A confidence rating describes the support available for the information shown; it does not guarantee accuracy, coverage, cost, provider participation, or suitability. Verify material plan details against official plan documents and with your employer, insurer, or a qualified adviser before you make an enrollment decision. The Benefits Clarity Engine is not accepting public uploads.

Plan comparison: three plans side by side

7 pages · constructed example, invented employer and carrier

A constructed example that shows the comparison format. The employer, carrier, plan designs and every figure are invented. No real plan, employer or person is represented.

Sample benefits breakdown: Anthem PPO

5 of 9 pages · generated from a real Summary of Benefits and Coverage

Independent educational example using an employer-anonymized Summary of Benefits and Coverage. Pravven is not affiliated with, sponsored by, or endorsed by Anthem. Plan documents and carrier terms govern coverage.

Five of the report's nine pages are shown. The source document had no premium information, so much of the report reads “needs confirmation”: the tool declining to guess, which is what these pages are here to show.

Reading the ratings

What confidence means

Confidence describes how well a particular statement is supported by the documents and inputs available. It does not predict whether insurance claims will be paid, or whether a plan is the best choice for you. Even “High” confidence findings should be verified before you enroll.

Detail confidence

How well the plan details are supported: deductibles, out-of-pocket maximums, copays, premiums. Shown in reports as Plan detail confidence.

Decision confidence

How much of what you'd need to choose between plans is known: your costs, network, prescriptions, eligibility. Shown in reports as Decision confidence.

The two can differ. A document can state its deductible clearly (high detail confidence) and still leave out premiums or network information, which keeps decision confidence low.

What High, Moderate and Low mean for detail confidence and decision confidence
RatingDetail confidenceDecision confidence
High The details behind the finding are present, tied to a source page, and consistent with each other. The main inputs a decision depends on are available, and remaining uncertainties are named. You still verify before enrolling.
Moderate The core details are present, but some are incomplete, estimated, or not independently confirmed. Some important questions or confirmations remain open.
Low Key figures or sources are missing, inconsistent, outdated, or can't be checked. Major gaps remain, so any plan preference should be held loosely until they are filled.

These definitions are the standard the Benefits Clarity Engine is being built to. The sample reports above were generated earlier in development, so their ratings were not produced against this exact rubric.

Interested in the Benefits Clarity Engine?

Tell us how you choose benefits today and where a tool like this would help. We’re especially interested in hearing from employees choosing benefits, and the HR teams and brokers who support them.

Please don’t send documents. Share only your name, contact details, role and the general questions you want answered. Do not email benefits documents, medical records, claims details, prescription information or other sensitive personal data. The tool does not accept uploads.

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Pravven provides general information and decision support. It is not legal, medical, tax or insurance advice, is not a licensed recommendation, does not determine coverage, and does not make enrollment decisions for you. Always confirm details against your plan documents and with your HR team, broker, carrier or provider before you enroll or rely on coverage. See our Terms of Use.