How it works for customers.
Selecting insurance is an important and complex decision. Our aim is to make it as simple as possible, with an AI guide to get you started and a real local agent to finish.
The best of both worlds.
“I’m an AI Agent. I’ll get you started, then I’ll pass you off to a real live NC Agent to finalize your plan selection and get you enrolled.”
Harriette, your AI guide
Available 24/7. She asks one question at a time, checks your medications and doctors against the official HealthCare.gov lists, runs the numbers on every plan in your county, and picks three plans that fit your goals, with a plain-language reason for each.
Your licensed NC agent
A real, experienced North Carolina Licensed Independent Agent. They review Harriette’s picks with you, answer the questions an AI shouldn't, confirm your plan, and complete your enrollment. Their help is 100% free to you.
Your privacy comes first. If Harriette can’t read a typed answer, only that one answer is checked by an AI service, and nothing else you’ve entered goes with it. You review all your details before any plans are checked.
Choose how you’d like to start.
Help me choose
Harriette guides you one question at a time. Answer in your own words or tap a choice, and she selects three plans that fit your goals, ready to review with your agent.
Compare myself
Use quick forms, then browse every plan in your area. Sort by monthly premium or total estimated cost and compare the details that matter to you.
You can switch between the two at any time.
Five steps to a plan.
- Step 1
Your goals
Pick up to three things that matter most, most important first: keeping your doctors and hospitals, low co-pays for your medications, the lowest total yearly cost or monthly premium, low co-pays for regular visits, a low deductible, coverage across North Carolina and out of state, or lower taxes and tax-free savings with an HSA. Harriette weighs your first goal the most.
- Step 2
About you
Tell Harriette your ZIP code and the date of birth and tobacco use of each person who needs coverage. Add your household size and estimated income to see financial help, or skip it. If your income suggests you or your children may qualify for NC Medicaid, she tells you. You don't create an account or give your Social Security number.
- Step 3
Your care
Add your medications and the doctors and hospitals you want to keep. Type their names or scan a medication label with your phone camera, then pick the exact match. Harriette checks each plan's drug list and network, including the preventive medications plans must cover at $0.
- Step 4
Your plans
Harriette selects three plans: the best fit from each of the leading insurance companies in your area. If none of them takes your doctor, she includes a plan that does, and if your income qualifies you for extra savings on Silver plans, one of the three is that Silver plan. Each pick shows its monthly premium, deductible, out-of-pocket maximum, estimated yearly cost, and whether your medications and providers are covered.
- Step 5
Your agent
Check exactly what you'll share, add your name and an email address or phone number, and send your plans to your agent through Covanu. Nothing is shared until you send it. Your agent gets in touch to review the plans with you.
Then, finalize with your agent.
Your agent reviews Harriette’s picks with you by phone or a virtual meeting, confirms your plan, and completes your application. Sensitive details, such as your Social Security number, are shared directly with your agent during that conversation, never with Harriette. Your agent’s help is 100% free to you.