Insurf
Compares health-insurance plans by projected true cost, and drafts prior-auth appeals for clinics.
Insurf models what health coverage would actually cost across every filed plan in a county — for companies replacing a group plan with an ICHRA allowance, and for individuals comparing plans before open enrollment. A separate product, Inveto, drafts source-cited prior-authorization requests and denial appeals for clinics, which staff still submits. The site labels its headline figures — about $5,000 saved per employee, $8,052 in a bad year, ~$150,000 recovered per hospital — as projections and simulations, not guarantees, and discloses that Insurf itself isn't a licensed insurance agency.
What holds up
- +States plainly that its savings figures are projections and simulations, not guarantees
- +Discloses that its insurance producer may earn carrier commissions on enrollments
- +Inveto drafts denial appeals with source citations, though clinic staff still submits them
Mind the limits
- −Insurf itself isn't a licensed insurance agency — enrollment runs through a separate producer
- −Headline figures (~$5,000, $8,052, ~$150,000) are projected or simulated, not measured results
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