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Know whoto call first

The CRM for independent Medicare and ACA agencies. Your book ranked every morning, plans compared on the call, every commission checked, every touch compliant.

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No card to sign up. Founding prices from $19 per user.

Today

6 items · ranked at 7:00 AM

MineTeam

  • Start here · Renewals needing a touch

    Rosa Delgado · Medicare Advantage · Humana

    Plan ends Dec 31, not offered in 2027

    Score 100

  • Send Part D comparison · Marisol Ortega

    Overdue 5 days · High priority

    Score 95

  • 2 members paid under a cancelled writing number

    Move the agent of record before payments stop

    Score 72

  • Walter Kim · SMS

    Waiting 2 hours

    Score 64

  • Scope of Appointment · Gloria Pineda

    Sent 4 days ago, not signed

    Score 58

  • Andrés Molina · Website form

    26 hours without contact

    Score 41
Every item has a score and a reason. Act on one; the next moves up.

One book for Medicare Advantage, Medicare Supplement, Part D, ACA Marketplace, Life, Dental.

The plan question, answered on the call

Medical Search puts plans, doctors, drugs and formularies in one place. Compare up to three plans side by side, check the client’s medications against each one, and send a PDF with your agency’s name on it.

Plans
Medicare Advantage, Part D, Medigap and ACA Marketplace by ZIP, with star ratings and every benefit.
Doctors & facilities
Search the national NPI registry by name, specialty or city, and keep each client’s doctors on their record.
Drugs & coverage
Check medications against each plan’s formulary: tier, prior auth, step therapy and yearly drug cost.
Market
Every carrier and plan in a county, and what happened to last year’s plans.

Compare plans

ZIP 33130 · Miami-Dade · 2027 · for Gloria Pineda

Current plan

Everyday Advantage

HMO 3.5

Option 1

Harbor Choice

PPO 4.5

Option 2

Coastal Value Rx

HMO-POS 4.0

Yearly cost estimate$2,140$1,780 (lowest)$2,630
Monthly premium$0$29$0
Out-of-pocket max$5,900$4,900$6,700
Drug deductible$0$0$250
Specialist visit$35$25$40
Insulin, per month$35$35$35
Telehealth visit$0$0$0
Your drugs · apixabanTier 3Tier 3Prior auth
Dental allowance$1,500$2,000$1,000
Plan documentsSBEOCANOCSBEOCANOCSBEOCANOC

Figures from CMS plan data. Documents checked against the carrier’s own site. Network status is not public data: confirm doctors in each plan’s directory.

Every plan carries its Summary of Benefits, Evidence of Coverage and Annual Notice of Change, verified at the source. Save a comparison to the client and it is there at renewal.

Find the money carriers missed

Import a commission statement and Paid wrong checks every line against your carrier schedules. Then it drafts the dispute letter.

Paid wrong is in every plan. The Commission Audit add-on ($49 per agency a month) adds a guided import, who actually left, what needs action and a report for every carrier.

$0.00

At stake on one September statement. Example agency, real rules.

Paid wrong

Humana, Aetna, UnitedHealthcare · checked after import

  • Rosa Delgado

    Humana · Sep 2026

    Underpaid
    Difference -$157.50

  • Tomás Rivera

    Aetna · Sep 2026

    Missing payment
    Difference -$289.00

  • Evelyn Brooks

    Humana · Sep 2026

    Unexpected chargeback
    Difference -$315.00

  • Bernard Cole

    Aetna · Sep 2026

    Underpaid
    Difference -$113.50

  • Harold Kim

    UnitedHealthcare · Sep 2026

    Paid after termination
    Difference +$301.00

  • Walter Kim

    Humana · Sep 2026

    Overpaid
    Difference +$315.00

Dispute letter · Humana

On your letterhead · saved to Documents

Member
•••• 4821
Month
Sep 2026
Expected / paid
$315.00 / $157.50

Member IDs show the last four only. Nothing is sent until you send it.

AEP, already ranked

Every Medicare client, scored by what changes in their plan next year. Built from the CMS Landscape file and plan crosswalk, so the first call of the season is the one that matters most.

 days

AEP · Oct 15 to Dec 7

AEP

How this is ranked
To contact
214
Contacted
61
Reviewed
38
Enrolled
17
Kept plan
22
39 of 352 decided

  • Why it ranks here

    • Premium goes from $0 to $39+60
    • Out-of-pocket max up $2,000+40
    • Drug deductible up $300+30

    Premium up $39/mo ($0 → $39)

Every client, in their language

SMS, WhatsApp, Telegram and the client portal in one inbox, with English and Spanish templates. Copilot drafts the follow-up. You approve it, or it doesn’t happen.

Messages

3 unread in 2 conversations

Gloria Pineda

WhatsApp · consent on file · Florida

WhatsApp

Gloria Pineda · 7:52 PM

Hola Dana, me llegó una carta de Humana. ¿Mi plan cambia el próximo año?

You · 8:04 PM

Hola Gloria. Sí, hay cambios en la prima. ¿Lo revisamos juntas el jueves a las 10?

Delivered

Gloria Pineda · 8:06 PM

Perfecto. Mi hija Ana va a estar conmigo.

Quiet hours in Florida start at 8 PM. You can still answer a message from the last 24 hours.

TextDrafted by Copilot · 9:12 PM

Renewal check-in · Frank Ostrowski

Hi Frank, it’s Dana at Harbor Benefits. Your Medicare Supplement renews Nov 1. Can I call you Thursday after 5?

When you approve

  • Consent on file for SMS
  • Not opted out
  • Quiet hours: 9:12 PM in Florida

Nothing is sent until you approve.

What Copilot remembers

About you

  • Writes Humana, Aetna and Devoted
  • Calls after 5 PM, never before 9 AM

Agency playbook

  • Commission disputes go to Lena in the back office

Gloria Pineda

  • Her daughter Ana joins plan reviews
  • Prefers WhatsApp, in Spanish

Never SSNs, Medicare or member numbers, birth dates, addresses or health conditions. The server refuses them.

Copilot is an add-on. Every agency gets the assistant for questions about its own book.

The whole agency, in one login

Intake, paperwork, the team and the marketing, on the same book and the same audit trail. No second app for any of it.

  • Clients, households and guided intake

    A call script walks every new client through coverage, household, doctors and consent. Spouses and the daughter who helps live on the same record.

  • Reminders before windows close

    Turning 65, Medigap open enrollment, special enrollment after a move, plan changes before AEP, collected in one bell.

  • Documents and e-sign

    Send a PDF for signature, in order or any order, up to ten signers. Unlimited on every plan.

  • Team chat and shared pages

    Channels, direct messages and @mentions, plus pages the whole team edits at once for SOPs and the AEP playbook. A client chip opens the record.

  • Social publishing, checked against CMS rules

    Write once for Facebook, Instagram, Threads and LinkedIn. The compliance check runs as you type, an admin approves, and it publishes on schedule.

  • An assistant that knows your book

    Ask about renewals, tasks or commissions in plain English or Spanish. It reads; it never sends on its own.

Built to pass the audit

Client data is PHI, so the controls live in the database and are tested on every change. Not a settings page you hope someone turned on.

  • Your agency, your keys

    Sensitive fields are encrypted with a key that belongs to your agency alone. SSNs are never stored.

  • Walled off by the database

    Row-level security on every table, so another agency's records are out of reach even if the app has a bug.

  • Every look is logged

    Each view and change of a client record lands in an append-only audit log, kept six years.

  • Client data only under a BAA

    Every AI call passes one gateway. Requests that carry client data go only to a provider under a BAA; anything else is scrubbed first.

  • TCPA before the text

    Consent is recorded with its wording and source. STOP, BAJA and state quiet hours are checked before anything is sent.

  • CMS rules built in

    Same-day Scope of Appointment under the 2027 rules, kept ten years. Outreach drafts carry the TPMO disclaimer.

This is what the product does today. We don’t claim certifications we don’t hold; ask [email protected] for the security overview.

Certificate of completion

Electronic signature record under the ESIGN Act and UETA

Document
Scope of Appointment · 2027 AEP
Sent by
Harbor Benefits Group
Signer
Gloria Pineda
Signed SHA-256
9f3c 51a0 … 7be2 e41a

Event history · UTC

  1. Request created14:02:11
  2. Sent to signer14:02:12
  3. Opened by signer14:20:45
  4. Consented to electronic signature14:21:03
  5. Signed14:22:40
  6. Completed by all signers14:22:41

Every signed document gets this page, with a fingerprint of the file as signed.

Founding price, locked for 12 months

Priced for the agency you run

Pay for the staff who log in. Clients using the portal are always free, and there is no seat limit to outgrow.

  • Starter

    $19per user / month

    One agent or a small team running a book.

    • Book, renewals and the AEP center
    • Paid wrong commission checks
    • The client portal for every client
    • Email, SMS, WhatsApp and Telegram in one inbox
    • The assistant, in English and Spanish

    Unlimited e-signatures. Includes 100 AI requests and 5 GB of documents per user, every month.

    Start free

  • Agency

    For teams

    $29per user / month

    A team with a back office and an admin.

    Everything in Starter, plus

    • Team queue with Mine and Team views
    • Books, bank matching and receipts
    • Admin controls for security and automations
    • Twice the AI requests and storage per user

    Unlimited e-signatures. Includes 200 AI requests and 10 GB of documents per user, every month.

    Start free

  • Add-on

    Vyrelis Copilot

    +$29per user / month

    $24 a month billed annually.

    Memory, drafts and approvals. 1,500 actions per user a month, pooled across the agency.

    Add-on

    Commission Audit

    +$49per agency / month

    $39 a month billed annually.

    Find the money your carriers owe you. Who actually left, what was paid wrong, and a report for every carrier.

    Texting

    2¢per SMS segment

    Pay as you go from a prepaid balance. No text bundles to buy or waste.

Prices in USD, billed monthly per staff user; Commission Audit is one price per agency. Founding agencies keep these prices for 12 months from sign-up. Allowances are soft: usage beyond them draws from the prepaid balance, and nothing stops working.

Bring your clients in from a spreadsheet or a carrier roster. Tomorrow morning, Today tells you who to call first.

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