Emme tells members exactly what their healthcare will cost under their specific plan. Every calculation depends on a precise set of inputs—but we currently have no clean way to collect them. The core challenge isn't the data model; it's the front door. Healthcare is a subject most people approach with anxiety and learned helplessness. A form that feels like a standard medical form kills trust before we earn it. We need an intake experience that feels like a smart, reassuring first conversation—progressive, low-friction, with every question earning its place.
More context: https://www.uhc.com/understanding-health-insurance/how-does-health-insurance-work/explanation-of-benefits
Core Flow Rule: Both paths must be available simultaneously. Start with upload, fall back gracefully to manual entry for any unextracted fields, and allow members to edit/correct pre-populated data. Members must also be able to skip document upload entirely.
| Category | Fields to Capture |
|---|---|
| Identity | Name, Email, Zip Code |
| Household | Household Size, Income Range, Filing Status |
| Plan Details | Carrier, Plan Name, Metal Tier, Plan Type (HMO/PPO/EPO/HDHP) |
| Cost-Sharing | Deductible (Individual + Family), YTD Deductible Met, OOP Max, OOP Met YTD, Copays, Coinsurance, Monthly Premium |
| Documents | SBC Upload, Most Recent EOB Upload (Optional/Skippable) |
| HSA | HSA Eligible (Y/N), Current Balance, YTD Contributions, Employer Contribution |
| Prescriptions | Drug Name, Dosage, Frequency, Payment Method (Cash vs. Insurance), Preferred Pharmacy |
| Upcoming Care | Planned Procedures, Chronic Conditions, Pregnancy, Behavioral Health Needs |