Amanda is the most complete benefits agent ever put in front of employees

Keel is the AI benefits platform, delivered through your broker. Amanda is its agent: she recommends the plan, enrolls it, and answers everything after, with a citation every time.

The whole job, one agent
Live on this page
Amanda
AI adviser · Keel
Capability check9 of 9 confirmed
Decision Supportrecommends the plan that fits
Enrollmentfiles every election clean
Conciergeanswers all year, chat to voice
Citationsthe document behind every answer
Memoryremembers what each person tells her
Guides & micrositesa site with your name on it
Every channelchat, voice, email, photo, EN and ES
Care routingthe right door, priced first
Benefits Fluency™scores workforce understanding
Don’t take the page’s word for it.
The ask bar at the bottom of this page is Amanda, running on this page’s own demo content.

Keel guides every employee to the plan that actually fits their year

Open enrollment asks people to price their own risk across three lookalike plans. Amanda does the comparing against the year each person is actually about to have, then shows her work.

[ 02.A ]
See Amanda recommend a plan, start to finish.
Amanda, recommending for one employee
Aetna
Managed Choice HMO
Premium
$71 /paycheck
Deductible
$2,000 /yr
Narrow OB network
OB-GYN visitsOut of network
Urgent care$75
Specialist visit$50
View detailsChoose
Your OB is out of network
★ BEST FIT
UnitedHealthcare
UnitedHealthcare Choice Plus PPO
Premium
$86 /paycheck
Deductible
$1,500 /yr
Your doctors covered
OB-GYN visitsIn network · $25
Urgent care$60
Specialist visit$35
View detailsChoose this plan
Why this plan: your OB is in network, and a delivery year favors the lower deductible over the lower premium.
Kaiser
Kaiser Permanente HDHP + HSA
Premium
$54 /paycheck
Deductible
$3,300 /yr
Lowest premium
OB-GYN visits20% after deductible
Urgent care$90
Specialist visit20% after deductible
View detailsChoose
Wrong year for a high deductible
AmandaWhy this plan
CitationFrom your Choice Plus PPO plan
Premium
$86 /paycheck
Deductible
$1,500 /yr
Vs. last year
−$520 /yr

Amanda answers from your plan documents, not the open internet

Every answer cites the plan and the page it came from. When something is not in your documents, she says so instead of guessing.

[ 04.A ]
A 9:41 question, answered from the plan. Unedited pace.
A real answer, with its citation
Amanda
AI adviser
Today 2:14 PM
Is Dr. Ramirez covered?
Dr. Elena Ramirez
OB-GYN · Downtown Medical · 1.2 mi
In network · $25
From your plan:
Choice Plus PPO · Provider Directory, page 12
What’s my deductible?Book with Dr. RamirezFind another in-network doctor
TypeVoiceAsk about your benefits…

Amanda is on every channel your people already use, at every hour they need her

A fever at 9:41pm becomes a $60 urgent care visit, not a $350 ER bill. Same answer, same citation, in whichever language they think in.

EN · ES · or the language you think in
9:41
Amanda
Text · Español
9:41 PM
Mi hijo tiene fiebre. ¿A dónde voy ahora mismo?
Entregado
Fifth Street Urgent Care está en la red, a 0.6 millas, abierta hasta las 11pm. Unos $60. La sala de emergencias costaría $350 o más.
Fifth Street Urgent Care
En la red · 0.6 mi
$60 · Abierta
Cómo llegar
04:12
“Your MRI is covered at 20 percent after your deductible. You’ve met $900 of it.”
Amanda
Speaking
Email7:52 AM
Do I have dental?
Dana Whitfield → [email protected]
Quick one before my dentist appointment tomorrow: do I actually have dental coverage, and what does a cleaning cost me?
Amandareplied 7:53 AM
You do: Delta Dental PPO, employee only. Cleanings are covered twice a year at no cost to you, and your deductible is $50.
From your plan:
Delta Dental PPO · Benefit Summary, page 3
Find a dentist near meForward to my spouse

Text · Español · 9:41pm

Amanda reads whatever your people put in front of her

A photo of an ID card, a bill, a page of a plan document. She explains what it is and what it means for them. Claims stay out of it, by design.

Δ DELTA DENTALPPO
Member
Priya Chen
Member ID
4821 0093 7712
Group
8841
Plan
210
Deductible $50 · Cleanings 2/yr · Exams $0✓ In network nationwide
↑ id-card.jpg · 1.2 MB · read ✓
What’s this card?
That’s your Delta Dental PPO card. Cleanings are free twice a year, exams are $0, and your deductible is $50. Want a dentist nearby?
Find a dentist near meWhat else does it cover?

Your people get a benefits site with your name on it, and a guide they actually read

Keel turns your plan documents into a branded benefits site: the guide, the plan lineup, the deadlines, and Amanda on every page. On a laptop at enrollment, on a phone in the pharmacy line.

Brightwave's benefits site, and its pocket edition
benefits.brightwave.comBrightwave · via Harbor Benefits Group
BRIGHTWAVE BENEFITS
Your 2027 benefits, explained like a person would
Open enrollment Nov 3 to Nov 17 · Everything here comes from your actual plan documents
Medical · 3 plansDentalVisionHSA + FSALife + DisabilityEN · ES
Ask Amanda: which plan fits a new baby?
The guide
Your benefits guide, 12 pages
Reads in 9 minutes · English + Español
Compare
The 3 medical plans, side by side
With your own doctors checked
Deadlines
What happens if you do nothing
And the dates that decide it

Amanda remembers your people, and forgets on their command

Your doctor, your pharmacy, the year your daughter starts college. Every memory is visible, editable, and deletable by the employee it belongs to.

[ 08.A ]
She remembers. And forgets on command.
Her memory, as the employee sees it
What Amanda remembers about you6 items7 items
Your doctor
Dr. Lee
Forget
Open enrollment
Chose Choice Plus PPO for the delivery year
Forget
HSA
Contributes $150 a month
Forget
Dependent
Son, age 4
Forget
Family
Daughter starting college, Fall 2027
Forget
Preference
Spanish for voice calls
Forget
Just now · from your last chat
Pharmacy: CVS on 5th Street
Forget
Visible, editable, deletable. She forgets on command.

Amanda steers care to the right door, at the right price

The most expensive habit in health care is walking through the wrong door. Amanda checks the network, the hours and the price before anyone leaves the house.

One night, two doors
9:41 PM·fever and a rash
UnroutedThe default door
Emergency room
2.1 mi · triaged by severity, not arrival
Wait 0 m$0
Amanda routedIn network
Fifth Street Urgent Care · 0.6 mi
Open until 11 · same treatment tonight
Walking in now…$60
Same care. $290 stayed in her pocket.
A year of right doorsPriced from her plan, per decision
ERurgent carekept $290
Hospital MRIin-network imaging$340 estimate honored
Follow-uptelehealth$0
Brandgenericsame prescription, less
Money kept, cumulativeOnly priced differences counted
$290$145$0+$290ERMRIFollow-upRx

Amanda catches every life event inside its 30-day window

A baby, a marriage, a move. The window where coverage is won or lost is thirty days, and Amanda watches it so nobody has to.

The window where coverage is won or lost30 days
Day 118 days to spare
Message from SamMar 14 · 6:12 AM
She’s here. Everyone’s healthy.
Amanda · Day 12
Congratulations. I prepared everything to add her to your plan. One tap to approve.
ApproveAdded ✓
One gap spotted: hospital coverage. Closed for $4.10 a check

Keel hands your ben admin a file it accepts on the first try

Elections leave Keel as a clean, validated enrollment file shaped for Employee Navigator or whichever ben admin you already run. Nothing about your stack has to change.

The enrollment file, checking itself before it ships
enrollment-file · Employee Navigator · EDI 834Validating 431 rows…Ready to sendSent to Employee Navigator
EmployeePlanTierPer payStatus
Chen, PriyaUnitedHealthcare Choice Plus PPOEE + Family$86.00Validating…✓ Clean
Okafor, DavidUnitedHealthcare Choice Plus PPOEE Only$52.40Validating…✓ Clean
Ramos, LuisaKaiser Permanente HDHP + HSAEE + Spouse$61.10Validating…✓ Clean
Nguyen, MinhDelta Dental PPOEE Only$11.20Validating…✓ Clean
Ellison, MarcusUnitedHealthcare Choice Plus PPOEE + Spouse$74.90Validating…✓ Clean
Park, JiwooKaiser Permanente HDHP + HSAEE Only$54.00Validating…✓ Clean
418 of 431 enrolled · 0 errorsYour ben admin carries it to the carriers.

Your people can tell her anything, because it stays theirs

Trust is why they actually use her. Everything an employee shares is encrypted, visible to them, and deletable by them. Amanda knows their plan, not their medical history, so there is nothing to surveil.

Secure by design
Memory
Expecting, spring 2027
Forget
Deleted on command
Amanda knows your plan, never a medical record.
Secureby design
Deletableon command
Groundedin your plan

Keel puts a number on how well your people use their benefits

Benefits Fluency™ is the score nobody has ever put on a benefits program: what your people know, ask, choose, and use. It moves quarter over quarter, and you watch it move.

The employer dashboard
Northfield Manufacturing · 431 employeesQ3 2026
Fluency score
51/100
▲ 9 since January
What your people can do
Know what they have62
Ask before they guess48
Choose on purpose55
Use what they chose39
Enrollment, start to finish
Opened their guide402
Asked Amanda first351
Compared the plans322
Chose on purpose296
This quarter
Questions asked1,284
Amanda resolved1,141
Sent to a human143
Patterns surfaced6
ThoughtAnalyzed this quarter's conversationsReadYour HSA plan documentsDraftedA plainer HSA explainer, cited to your plan
Amanda proposes › Rewrite the HSA explainer214 questions this quarter that the current explainer never answers.Review the draft

The fluency loop never stops. Ask, answer, learn, reveal, and twelve more reasons besides. Meet Amanda →

The interview

Send us your plan documents. Watch Amanda interview for the job.

Your actual plans, our actual product, about thirty minutes. Delivered through your broker, on your existing stack, never touching a claim.

A trillion dollars a year runs through American health benefits. Almost none of it is understood by the people it’s for. We’re here to change that.

Hiring humans too. [email protected]

All of it, tied together.