Guaranteed issue medical
Medical coverage that can be issued without medical underwriting. We quote it from the census you send.
The parent company of Innov8 Benefits
AI-powered clarity for health benefits.
Innov8 Healthcare is the parent of Innov8 Benefits. We help brokers, employers, and the people they cover understand health benefits. Clear answers should live in plain language, not in a stack of PDFs.
What we are
We are the parent of Innov8 Benefits, the general agency brokers work with.
Innov8 Healthcare is the parent company. Innov8 Benefits is the general agency that independent brokers work with. We quote our products and run administration. Brokers do not need to create an account to start.
Three groups sit around every case: the brokers who sell coverage, the employers who buy it, and the employees who use it. Here is what that looks like with us.
We also publish Innov8 Tools, a free, independent directory of benefits technology for brokers and employers.
For brokers
Innov8 Benefits is how independent brokers work with us. Email a census. We quote. Administration comes with it.
Innov8 Benefits is a modern general agency. We never make you do the work. You can submit a request if you want. You can also email the census and what you want quoted. We take it from there.
- 01
Email the census you already have
Send the employee file you already use, or a short request. You do not need a new login to start.
- 02
We come back with a proposal
We quote our products. When the census is in good shape, brokers often have a proposal back in about ten minutes.
- 03
Administration is staged, not live
Benefit administration tools are staged for the group. Nothing is live until you say so. You stay the broker.
Already have an AMS or quoting tool?
We sit beside the AMS or quoting tool you already use. Nothing gets ripped out. You do not have to log into our software to start.
For employers
You buy through your broker — and you get a clear proposal and an enrollment home for your people.
Your broker works with Innov8 Benefits. You receive a straightforward proposal. Your people get an enrollment home where they can understand their coverage.
Book a call- See what a plan costs you, and what it costs your people, before you decide.
- Compare options side by side without rebuilding a spreadsheet at every renewal.
- Give your team an enrollment home that answers their questions, so HR is not the help desk.
For employees
Ask a question and get a plain answer.
Iris is our benefits guide. She lives in Benefit Companion, the enrollment and group home for employees. She explains coverage in everyday language, never invents plan details, and never sounds like a chatbot.
Talk to us- "Is my doctor in network?"
- "What will this cost me before the deductible?"
- "Which plan makes sense for my family?"
Answers come from the actual plan documents — not a guess.
What we offer
Products we quote, and administration we run.
Independent brokers work with Innov8 Benefits. These are the offerings we quote and administer.
Voluntary products
Optional coverages employees can add alongside the medical plan, quoted with the rest of the case.
Overlay medical plans
Medical plans that sit on top of existing coverage when that is the right fit for the group.
Pharma savings programs
Programs that help people spend less on prescriptions, included when they fit the case.
Benefit Administration tools
Tools to enroll the group and keep administration in order. Nothing goes live until you say so.
Why we're different
Serious about the details that matter.
Built from primary sources
We ingest public rate filings, carrier manuals, and direct carrier data — not third-party aggregators.
Privacy and security first
Health information deserves care. We build with encryption, least-privilege access, and clear data boundaries from day one.
Built for real people
Warm language, no forms designed for insurers instead of humans.
Multiple patents pending
230+ claims filed across benefits intelligence, navigation, and administration.
Next step
Ready to talk through how we work with you?
Stay in touch
Talk with us about Innov8 Benefits
Brokers can reach us here about working with Innov8 Benefits. Tell us a bit about you and we will be in touch.