The personalised preventive healthcare guide that finds it.
Scan your insurance card. Get a checklist of preventive services your plan covers at $0 — annual physicals, mental health screenings, vaccines, and more. Plus a deductible tracker so you stop overpaying.
No credit card · 30-second card scan · Free forever
Free care left on the table
Your plan covers $612 in preventive care at $0 this year. Tap to claim.
Flu shot
Annual wellness visit
Comprehensive yearly physical with your PCP.
Mental health screening
PHQ-9 depression + anxiety screen — covered at annual physical.
Built on federal preventive care guidelines
$0
copay on most preventive services under the ACA
Most
insured adults don't know what's in their benefits plan
Hundreds
of dollars in covered services go unclaimed each year
5 min
average time from signup to your personalised checklist
Free or Pro
Both tiers give you a real personalised preventive healthcare guide. Pro tunes it to your exact plan and unlocks the toolkit to manage everything that comes next.
Free
$0/moA guide personalised to people like you.
Tailored by your insurer, age, gender and life stage. Built from what we know about how that insurer typically covers preventive care.
Pro
$4.99/moA guide personalised to your exact plan.
Upload your Summary of Benefits and answer a few questions. We rebuild the guide with your actual copays, deductible and plan perks — and add the toolkit to manage everything that follows.
The problem we solve
Under the Affordable Care Act, most insurance plans are required to cover dozens of preventive services at absolutely no cost to you — no copay, no deductible.
That includes mental health screenings, STI tests, blood pressure checks, annual physicals, flu shots, cancer screenings, and much more. All at $0.
The catch? The only way to know what you get is to read a 40-page insurance document written in a language designed to discourage you.
Dental & vision
Dental and vision are almost always separate plans. Millions of young adults sign up for health coverage during open enrollment and never realize they missed dental and vision entirely — until they're paying $200 out of pocket for a cleaning.
benefit flags the gap. If you're missing either, we show you what it's actually costing and surface real alternatives you can sign up for — most standalone plans are available year-round, no waiting for open enrollment.
No dental?
No vision?
No waiting for open enrollment. Standalone dental and vision plans are available year-round — you can fix this gap today.
Track what you get back
Your insurance card tells you what you owe. It doesn't tell you what you got. benefit's tracker does both — so you know exactly how much your plan has paid back this year.
Log a visit in 10 seconds. We tally every free preventive service you claim at its real retail value, plus your progress toward your deductible and out-of-pocket max. The number on the top of the page is the money your premiums actually bought you.
Benefits claimed this year
$1,240
Including $740 in free preventive care you already paid for through premiums.
Riverside Family Practice
May 12, 2026 · Aetna PPO
You were billed $248 for a visit that should have been covered as preventive. Line 2 was coded as a problem visit instead of your annual physical.
Billed
$420
Insurance
$172
You owe
$248
Office visit, established patient
Annual physical — should be $0 under ACA preventive care rules.
$0
Problem-oriented visit, 25 min99214
Likely a coding error — call billing and ask them to re-code as preventive.
$248
Pro · Bill explainer
Every young adult who gets an EOB in the mail goes through the same panic spiral — “Why am I being charged $400 for a visit my insurance was supposed to cover?” We translate every line into plain English, flag billing errors, and tell you exactly what to ask when you call the provider.
Upload the PDF or just snap a photo of the paper bill. Get an answer in 15 seconds. Keep a running log of every bill so you can spot patterns across visits.
How it works
👤
01
Enter your name, age, gender, and insurance provider. Takes 60 seconds.
💳
02
Snap a photo of your card — or type your plan details manually. We read your insurer, plan type, and group number.
✅
03
Receive a personalised list of every free service your plan covers — and ask anything.
benefit is brand new. We're collecting real stories from our first users right now — not paid actors, not stock photos, not made-up names. If you find this useful, we'd love to share yours next.
Try benefit freeFrom the blog
Since 2010, the ACA has required most insurance plans to cover mental health screenings at no cost. Here's how to claim yours.
4 min read
Preventive CareFrom STI testing to blood pressure checks — the screenings that matter most in your 20s and 30s, and how to get them at $0 copay.
6 min read
Insurance 101Explanation of Benefits documents are intentionally confusing. We break down every line so you actually know what you paid for.
5 min read
Built for young adults who deserve to know what they're paying for
Scan your insurance card and we'll tell you exactly which services you can get for free — right now, this year, with your current plan.
Start for free — takes 5 minutesNo credit card required · Your data stays private