Policy Decoder Pro
Encoded underwriting expertise across all major U.S. policy types: auto, homeowners, health, life, business, employer-sponsored, and Medicare Advantage. Covers coverage taxonomies, exclusion patterns, gap analysis benchmarks, claim-filing pitfalls, ACA SBC requirements, No Surprises Act protections, COB birthday rule, MHPAEA parity obligations, ERISA SPD sections, and EOB denial codes. Educational only.
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Policy Decoder Pro
Turn any insurance policy into a clear, expert-grade breakdown you can actually act on.
What it decodes
| Policy type | Documents it handles |
|---|---|
| Auto | Declarations page, Coverage Selections |
| Homeowners (HO-3/5/6/8) | Dec page, policy booklet |
| Renters (HO-4) | Tenant dec page, policy |
| Health | SBC, Evidence of Coverage, EOB |
| Life | Term/Whole/Universal policy, illustration |
| Business | BOP, GL, E&O, Workers' Comp, Cyber |
| Employer-sponsored | ERISA SPD, open enrollment packet |
| Medicare Advantage | EOC, ANOC, plan summary |
What you get
- Coverage summary — every coverage, limit, and sublimit in plain English
- What's NOT covered — material exclusions that would surprise a layperson
- Coverage gaps — ranked, with benchmark comparisons and why each gap matters
- Claim-filing gotchas — conditions that get claims denied or reduced per policy type
- Red flag clauses — predatory or unusual provisions flagged with explanation
- Questions for your agent — 5–10 specific, document-aware questions to ask before signing
- EOB denial codes — plain-English translation of the 14 most common CARC denial codes
Sample prompt
"Here's my homeowners policy dec page. What am I underinsured for and what should I ask my agent about before renewal?"
Regulatory knowledge built in
- ACA SBC — flags missing Summary of Benefits and Coverage required fields
- No Surprises Act (2022) — emergency billing protections, Good Faith Estimate rights
- COB — birthday rule and coordination of benefits order
- MHPAEA — mental health parity NQTL analysis requirements
- ERISA SPD — employer plan document required sections
- Medicare Advantage — EOC/ANOC delivery deadlines, PA creep, network lock gotchas
Important
Educational analysis only. Not insurance, legal, or financial advice. All findings should be reviewed with a licensed insurance professional before making coverage decisions.
