Platform/Research and Compliance
Cited answers, not guesses.
Ask a regulatory or plan-design question and get an answer grounded in a vast, continuously updated library of regulatory, carrier, and compliance documents. Every claim carries a citation you can stand behind in front of a client.
Healthcare regulatory changes, tracked on autopilot.
Agents continuously monitor federal and state regulatory sources and ingest the underlying documents into a citable reference library.
Every answer cited
Regs, carrier docs, and your own uploads are the source. Each answer links back to the exact passage it came from.
Reg changes, watched
When a rule shifts, Coverly tells you which clients and classes it actually touches, not a generic news blast.
Meeting-ready
Turn a question into a clean client briefing you can read in the elevator before the call.
Ask anything. Get the citation.
Tax treatment, compliance deadlines, plan-design rules, state-by-state nuance. Ask in plain English and get a precise answer with the source attached, so you can quote it with confidence.
- Grounded in regs, carrier docs, and your uploads
- Citations on every claim
- Plain-language, broker-fluent
How long does COBRA coverage last after an employee is terminated?
Up to 18 months for a termination or reduction in hours, extendable to 36 for events like divorce or a dependent aging out. The employee has 60 days to elect.
What a rule change means for your book.
A new affordability percentage or filing deadline drops. Coverly maps it onto the clients and classes you actually manage and tells you what to do next.
Change detected
2026 affordability % → 9.96%
Clients affected in your book:
Riverside Co
Hourly class now over line
Beacon Health
Within threshold
Acme Logistics
Re-check at renewal
A briefing before every meeting.
One prompt produces a tight, cited one-pager on the client, their plan, and the open questions, so you walk in already knowing the answer.
- Pulls from the client record and corpus
- Cited and skimmable
- Ready before the call
October · 2026Apex Manufacturing
Level-funded exploration for 1/1/2027 renewal · Apex finance / HR decision-makers
Client snapshot
Why this meeting matters
A +13% renewal on a 75-life CO group makes level-funded a real conversation. The room needs to walk out knowing what they’re trading fully-insured pooling for.
What to walk the room through
- The +13% is the unlock, not the answer. Claims experience and a healthy census drive level-funded savings, not the label.[1]
- Stop-loss is the actual product. Attachment points, not the PEPM, determine whether a bad year is survivable.[1]
- 75 lives is near the NAIC stop-loss floor. CO carriers price near the floors, so quote terms matter as much as the rate.[2]
Suggested questions
- What’s driving the +13%: block trend or group utilization?
- How much month-to-month cash-flow variability can Apex absorb?
Recommended next steps
- Request 24 months of incumbent claims experience.[1]
- Model $20K vs. $30K specific attachment scenarios.[2]
Your in-house regulatory desk.
See Research and Compliance cite its way through a real benefits question in minutes.