Before You Upload — Please Read
Stop-Loss Contract IQ™ uses AI to analyze the document you upload. Please review the following before proceeding.
Do not upload PHI or PII
Remove all Protected Health Information (PHI) and Personally Identifiable Information (PII) — including member names, SSNs, dates of birth, and claim details — before uploading. This tool is not HIPAA-compliant and is not designed to process individual health records.
Check your confidentiality obligations first
PBM contracts and vendor agreements often contain confidentiality provisions that restrict disclosure to third parties — even without PHI. Before uploading, confirm that sharing the document with an AI analysis service is permitted under any applicable confidentiality agreement. An authorized representative of your organization should make that determination.
No persistent storage — processed in memory only
Uploaded files are processed in memory and never written to disk. Your document is sent to OpenAI's API for analysis and discarded immediately after the review is complete — it is not stored on our servers or retained for training. OpenAI's handling of your data is governed by their privacy policy.
Encrypted in transit
All uploads are transmitted over TLS. Files are processed in memory only and are never written to persistent storage.
Original file deleted after processing
Your uploaded document is used only for the requested analysis and is deleted immediately after processing. The platform may retain aggregate, non-identifying analysis results to support your tool history — original file contents are never stored.
AI analysis is for informational purposes only and does not constitute legal, compliance, or financial advice. Always consult qualified counsel before acting on contract analysis results.
Stop-Loss Contract IQ™
Know what your stop-loss policy will — and won't — reimburse. Analyze reimbursement provisions, coverage gaps, contract timing, lasers, exclusions, and renewal risks. Identify where the carrier's obligations may differ from your expectations and get a prioritized plan to strengthen your protection before signing.
Do not upload documents containing PHI, claimant information, or confidential materials without authorization.
Stop-loss documents can contain individually identifiable information in laser schedules, underwriting disclosures, or claimant-related exhibits — even when described as plan-level documents. Before uploading, confirm you are authorized to share the document with a third-party AI analysis service under any applicable confidentiality agreement. Do not include claimant names, Social Security numbers, member IDs, claim-level detail, or any other protected health information (PHI).
✓ Appropriate to upload (de-identified): the policy, schedule of benefits, binding proposal, endorsements, laser schedules with claimant information removed, premium and attachment-point exhibits, and renewal amendments.
Your document is transmitted over HTTPS to OpenAI's API for analysis. EmployerBenefitsIQ does not retain the uploaded file after processing. OpenAI's applicable API data-handling terms apply. View our data handling policy →
What the AI reviews
Designed around employer risk, not carrier marketing language.
Contract basis & timing
Paid/incurred periods, run-in/run-out, terminal liability, filing deadlines, reimbursement timing.
Specific stop-loss
Deductible, aggregating specific, lasers, exclusions, maximums, advanced funding, eligible claim definitions.
Aggregate stop-loss
Corridor, attachment factors, minimum attachment, accommodation, monthly reporting, covered expenses.
Renewal protection
New-laser language, rate-cap language, disclosure obligations, no-new-laser provisions, carrier discretion.
Operational risk
Plan-document consistency, network/TPA requirements, exclusions, claim submission rules, recoupment, audit.
Negotiation priorities
Employer-friendly changes, questions for the carrier/TPA, items to confirm in writing before binding.
PDF is strongly preferred — the AI evaluates both extracted text and page images for the most thorough review.