Your Benefits at a Glance
Meridian Corp · Plan Year 2026
Deductible Progress
$480
of $1,500 used · 32%
HSA Balance
$2,340
+ $800 employer seed
Out-of-Pocket
$480
of $5,000 max used
Claims This Year
3
Latest: $210 processed
Find a Doctor
Search in-network providers
Search →
Refill Prescription
Metformin due in 5 days
Refill Now →
Use HSA / FSA
$2,340 available to spend
Manage →
Open Enrollment
62 days remaining!
Complete Elections →
My Active Plans & Coverage
HDHP + HSA Gold
Aetna · Group #GRP-AET-29401
Deductible: $1,500 · OOP Max: $5,000 · $0 preventive
Dental Premier
Principal Financial
100% preventive · 80% basic · 50% major · $1,500 max
Vision Select
VSP Vision
Eye exam · $150 frames allowance · Contacts covered
Life Insurance — 2× Salary
MetLife · $180,000 coverage
Employer-paid basic · Supplemental available
Recent Claims
🩹
Dr. Nguyen — Primary Care
$210
Processed
💊
CVS Pharmacy — Metformin
$12
Processed
🔌
Bay Area Lab — Blood Panel
$145
Pending
Deductible & OOP Tracker
Deductible$480 / $1,500
$1,020 remaining before plan pays
Out-of-Pocket Max$480 / $5,000
$4,520 remaining this plan year
HSA Balance$2,340
$800 employer seed + $1,540 you contributed
Clara’s Tip for You
✦
You could save $1,020/yr
Your HSA balance is healthy. Contributing the IRS max ($4,150) vs your current $1,540 gives you an additional $2,610 in tax-free medical spending power — and the balance rolls over forever.
Open Enrollment 2026
Meridian Corp · 62 days remaining · Effective April 1, 2026
✓
Welcome✓
Demographics3
Medical4
Dental & Vision5
Voluntary6
Review
✦
Clara Enroll™ recommends HDHP + HSA Gold for you
Based on your health history (3 office visits, 1 lab panel, 2 Rx) and family of 2, the HDHP + HSA Gold saves you an estimated $1,240/year vs the PPO. The employer HSA seed of $800 covers most of your deductible risk. 86% of employees say Clara Enroll helped them navigate — and 40.5% chose their AI-recommended plan.
PPO Classic
Your cost: $342/mo
- ✓ $500 individual deductible
- ✓ $20 PCP / $40 specialist copay
- ✓ No referrals needed
- ✓ Wide national network
- — Not HSA-eligible
BlueCross BlueShield
✦ Clara’s Pick · Save $1,240/yr
HDHP + HSA Gold
Your cost: $198/mo
- ✓ $1,500 individual deductible
- ✓ $0 preventive care, $0 telemedicine
- ✓ $800 employer HSA seed
- ✓ Triple tax-advantaged HSA
- ✓ Invest HSA for retirement
Aetna · Group GRP-AET-29401
EPO Plus
Your cost: $275/mo
- ✓ $750 individual deductible
- ✓ $30 PCP copay
- ✓ Free mental health visits
- ✓ Fitness reimbursement
- — In-network only
UnitedHealthcare
📄
Evidence of Insurability (EOI) Required
You’ve elected Supplemental Life: $500,000 — which exceeds the guaranteed issue amount of $200,000. The additional $300,000 requires carrier approval via a short health questionnaire. Clara will open the MetLife EOI form directly in this window — no external website or new login needed.
Guaranteed Issue
$200,000
✓ Auto-approved
Amount Requiring EOI
$300,000
Pending approval
Typical Decision Time
1–3 days
Via API
How the EOI process works:
1
Click “Complete EOI with MetLife” below — the form opens here via SSO, no new login2
Answer a short health questionnaire (approx. 5 minutes)3
MetLife returns a decision via API — you and HR are notified automatically✦
If approved: $500,000 coverage effective on your plan start date, payroll updated automatically✦
If declined: Clara automatically adjusts your election to the $200,000 guaranteed issue amountFind a Doctor
In-network providers · Aetna HDHP + HSA Gold · San Francisco, CA
San Francisco, CA · 10 miles
12 in-network results near you
DW
Dr. Angela Wu, MD
Cardiologist · UCSF Medical Center
✓ In-Network0.8 miNext: Tue, Mar 18
RP
Dr. Ravi Patel, MD
Cardiologist · Sutter Health
✓ In-Network1.4 miNext: Thu, Mar 20
LT
Dr. Lisa Torres, MD
Cardiologist · CPMC
✓ In-Network2.1 miNext: Fri, Mar 21
MK
Dr. Michael Kim, MD
Cardiologist · Kaiser Permanente
✓ In-Network3.2 miNext: Mon, Mar 24
Price Comparison
Your estimated cost with HDHP + HSA Gold
Cardiologist Office Visit$180–$280
After deductible; covered at 80%. HSA can cover this.
Echo / EKG$120–$200
Diagnostic services; HSA eligible
Stress Test$200–$350
Prior auth may be required
✦
Clara’s cost tip
Your $480 deductible is 32% met. You’ll pay full cost until $1,500 — use your HSA card to pay tax-free. After deductible, Aetna covers 80%.
My Prescriptions
Managed through MyChoice Accounts · Clara can help with refills & costs
⚠
Refill due in 5 days
Metformin 500mg — 30-day supply · CVS Pharmacy on Market St
Active Prescriptions (3)
Metformin 500mg
Twice daily · Diabetes management
Refill in 5 days
$12/mo · HSA eligible
Lisinopril 10mg
Once daily · Blood pressure
Refill in 22 days
$8/mo · HSA eligible
Atorvastatin 20mg
Once daily · Cholesterol
Refill in 18 days
$15/mo · HSA eligible
Drug Cost Comparison
Powered by Clara AI
Metformin 500mg — 30-day supply
CVS Pharmacy (your plan)$12
Tier 1 generic · Insurance price
Walgreens$14
GoodRx coupon$9
May be lower than your insurance!
Amazon Pharmacy (90d)$24
3-month supply, home delivery
✦
Clara tip
All your Rx are HSA-eligible. Using your MyChoice HSA card is tax-free spending. At your income level, that’s ~24% off every purchase.
My Health Wallet
MyChoice Accounts · One card, one app, every account
Health Savings (HSA)
$2,340
Rolls over forever · Triple tax-free
Flexible Spending (FSA)
$1,200
Use or lose by Dec 31, 2026
Lifestyle Spending (LSA)
$500
Wellness · Fitness · Mental health
Claim Choice — Pending Claims
Decide how to use your accounts
Bay Area Lab — Blood Panel
Feb 28, 2026 · $145
Your insurer approved this. Use HSA to pay provider, reimburse yourself, or “vault” it for later.
CVS Pharmacy — Metformin
Mar 5, 2026 · $12
Paid with MyChoice Visa card. Auto-substantiated with FSA.
✓ Auto-processed
HSA Invest — Spend, Save, Invest
Current Balance$2,340.00
$800 employer seed + $1,540 your contributions
Invest your HSA for the future
Spend Reserve
Keep liquid for near-term expenses
$1,000
Save — Money Market
Higher interest, low risk
$500
Invest — ETF Portfolio
Vanguard + iShares ETFs via BenefitIQ Invest
$840
Claims & EOBs
2026 Plan Year · HDHP + HSA Gold · Aetna · Claim Choice™ powered by BenefitIQ
2026 Deductible Tracker
Individual HDHP · Resets Jan 1
Applied so far
$480
of $1,500 deductible
$0$480 met (32%)$1,500 full deductible
Deductible Met
$480
Remaining
$1,020
OOP Max
$5,000
Insurance Paid
$0
💰 Claim Choice™
Your pending Bay Area Lab claim ($145) can be paid from your HSA automatically. One tap — no paperwork, no reimbursement forms.
✦ Clara suggests
You’re 32% through your deductible. At your current rate, you’ll meet it by August. Consider increasing your HSA contribution by $85/mo to fully cover the remainder.
All Claims
2026 YTD · 3 claims · $367 billed
| Provider | Date | Type | Billed | Plan Paid | You Owe | Status | |
|---|---|---|---|---|---|---|---|
| Dr. Nguyen — Primary Care | Mar 10, 2026 | Office Visit | $210 | $0 | $210 | Processed | |
| CVS Pharmacy — Metformin | Mar 5, 2026 | Prescription | $12 | $0 | $12 | Processed | |
| Bay Area Lab — Blood Panel | Feb 28, 2026 | Lab Work | $145 | $0 | $145 | Pending |
Clara
AI-powered benefits support · Clara AI™ · 80% autonomous · Seamless human escalation · 24/7
Clara
Benefits Agent · Clara AI™ · Meridian Corp
C
Hi Sarah! 👋 I’m Clara, your AI benefits agent powered by Clara AI™. I know your plans, claims, HSA balance, and family details. I resolve 80% of questions on my own — and when you need a human, I hand off seamlessly. What can I help you with today?
SC
I had a baby last month! I need to add her to my plan.
C
Congratulations Sarah! 🎉 A newborn is a Qualifying Life Event — you have 30 days from birth to add her. I’ve already opened a Special Enrollment Period. I need her name, date of birth, and SSN (can be added later). Your HDHP + HSA Gold covers dependents at the same tier. Shall I proceed?
SC
Yes! Emma Chen, born February 14, 2026.
C
Done! ✓ Emma Chen added as dependent, effective Feb 14. New family premium: $312/mo. The 834 eligibility update is staged — Aetna receives it tonight. New cards arrive in 7–10 days. All changes are logged with a full audit trail per Clara AI™ governance. Can I help with anything else?
Clara Can Help With…
Clara AI™ · Multi-agent · Claims-grounded
🌟
Clara Enroll™
Guided enrollment · personalized plan recommendations · 86% say it helped
🩹
Find In-Network Care
Doctors, specialists, urgent care, telehealth + cost estimates
💊
Prescriptions & Drug Costs
Refill reminders, price comparison, HSA eligibility
💰
HSA / FSA & Claim Choice
Eligible expenses, Spend/Save/Invest, claim filing
📋
Claims & EOBs
Understand your bill, avoid out-of-network surprises
Recent Clara Conversations
Adding newborn Emma Chen
Just now · QLE resolved · 834 staged to Aetna
Metformin refill reminder
Yesterday · Sent to CVS automatically
HDHP vs PPO comparison — Clara Enroll™
Mar 8, 2026 · Chose HDHP based on Clara’s recommendation