Healthee
by Healthee
Getting-started guide
Ask plain questions about the health insurance you get through work — if your employer gives you the app.
Last reviewed 2026-09-12 · for Healthee
You open its app or website and type a question about your health insurance — that typed message is your prompt. Zoe, its assistant, answers in plain language from your own plan's details, and a human specialist steps in when Zoe can't answer.
Healthee is a health-benefits assistant: it holds the details of the health insurance your employer gives you and answers questions in ordinary language. The assistant is called Zoe, and you will see that name far more than "Healthee" once you are inside.
It is not a general-purpose AI; its only subject is your own coverage. A general chatbot has no idea what your plan covers, how much you have already spent on care this year, or which doctors near you your plan has a price deal with.
You cannot buy this for yourself. Healthee is sold to employers, insurance brokers and benefits administrators — never to individuals — at a quote-only price set by "the size of the employer, the specific modules and capabilities deployed." Its App Store listing, published by developer Insurights Inc., puts it plainly: "If your company offers Healthee, you can use our AI-powered app." So the first step is your workplace benefits portal, or your last enrollment email: look for "Healthee" or "Zoe" by name.
If it does not, Healthee's employee page invites you to fill in a form and says "We'll team up with HR to integrate with your current benefits program." That is a request routed to your HR team, not an account today. Meanwhile a general AI tool can read the plan PDF itself — and because a plan summary carries your name and coverage, use Ollama, which keeps it on your machine, or ChatGPT with the identifying details stripped.
It costs you nothing personally: the app is free to download, and Healthee's terms of use say your employer "is generally responsible for paying us for your access and use of the Platform." There is no upgrade to buy and no free-tier limit to hit.
United States only, adults only: the terms say "You must be located in the United States to be a Registrant" and "at least eighteen (18) years old." Healthee calls itself "carrier-agnostic," so it is not tied to one insurer — but it still needs your employer's plan data loaded.
The privacy question here is about what was loaded before you typed anything: your plan documents, what you are enrolled in, and how far into your deductible you are — the amount you pay yourself each year before insurance starts covering things.
Two Healthee pages disagree about what your employer can see. Its security page, headed "We keep your info safe from outside parties–even your employer," says: "As a processor of your information, we receive health plans from your employer. We do not transfer back any information to them." Its FAQ says HR teams "can see how employees are using the platform, what questions they're asking, how they're making plan selections." Neither says whether that HR view is individual or pooled, and we could not establish which without an account. Until Healthee says plainly, ask Zoe what you would be comfortable asking if HR might later read the transcript.
How much will I pay for an MRI at [name the exact clinic or hospital]?
Why this one: Healthee's FAQ lists this as a question Zoe is built to take, worked out against your own plan, your deductible position and live cost data rather than a list price. Ask ChatGPT the same sentence and the best it can honestly give is a national price range.
Is Dr. [full name] in my network, and what will a first visit cost me?
Why this one: "In network" means your plan has a negotiated price with that doctor; out of network the same appointment can cost several times more. Healthee's FAQ names this as a Zoe question checked against your plan's provider list, and says the assistant can carry you into booking.
Should I enroll in the PPO or the high-deductible plan this year? I take [medication], see a specialist about [how many] times a year, and expect [no procedures / one procedure].
Why this one: Healthee's FAQ lists this comparison as something Zoe answers, scored against the plans your employer actually loaded. The second half of the sentence does the work: the terms warn results can miss "factors not captured in our questionnaire."
Tweak: Use the plan names on your own enrollment paperwork, and do this while your enrollment window is still open.
I got a statement from my insurer for a visit on [date]. Explain what each line means and what I actually owe.
Why this one: Healthee's FAQ says employees can ask Zoe about the statement an insurer sends after an appointment. That document carries your name and a diagnosis — the exact thing this site's ChatGPT page tells you not to paste into a general chatbot. Here it is a question about data the system already holds.
Early on, give Zoe the facts in no document: your medications, the specialists you already see, any procedure planned this year, who else is on your coverage.
Why this one: Healthee's terms refer to a questionnaire whose answers feed its recommendations, and warn your real needs "may vary from what is described in the Results due to factors not captured in our questionnaire" — the vendor naming its own blind spot.
Tweak: Go only as deep as you are comfortable: it lands in the same system covered by the employer-visibility question above.
Want the full picture first? See the Healthee overview for pricing, the free tier and related tools.
