Free prompt pack · v2

The Benefits Contract Review Prompt Pack

Five prompts that turn your AI tool into a benefits contract reader working for you, not the vendor.

Most of the money in your health plan is decided in contracts you have never read: PBM agreements, stop loss policies, administrative service agreements, and the paperwork that pays your broker. This pack gives you the questions to ask each one.

See the five prompts

5 promptsOne for every contract in your plan

Plain EnglishNo benefits degree required

Your analystReviews on your side, not the vendor's

Why this exists

The people who wrote those contracts are counting on you not reading them.

You do not need a benefits degree to read them anymore. You need the right questions. That is what this pack is.

How to use it

Five steps from signed contract to real answers

Get the fully executed contract. Not the summary, not the proposal — the signed agreement with every exhibit and amendment. When you do not have it, ask your broker or vendor for it in writing. They owe it to you.

Strip the private data first. Remove employee names, Social Security numbers, dates of birth, and any health information before you paste anything into an AI tool. The contract terms are what you want reviewed, not your census.

Open your AI tool of choice.

Copy the matching prompt, paste it, and attach or paste the contract. For a long contract, attach the file or paste it in parts, and make sure every exhibit and amendment is included. When an exhibit is missing, tell the AI so it flags the gap instead of guessing.

Read what comes back, then bring the flags to a conversation. One caution: AI is a strong first read, not a legal opinion. Use it to find the questions worth asking. Then get a human who works for you, not the vendor, to confirm what you found.

How every prompt works

Standing rules, so the AI works for you and does not invent anything

It reviews as your analyst, not the vendor's, and explains everything in plain English.

It quotes only language that actually appears. When a provision is not there, it says so and flags the absence as a finding.

It calculates real dollars when you give it a premium, rate, or fee.

It answers in a fixed shape: a short executive summary first, then a table, then a list of what is missing, then the questions to ask.

Inside the pack

Five prompts, one for every contract behind your plan

Just copy, paste, and attach. Each one tells you exactly what to watch for.

PBM agreement (your pharmacy plan)

Checks your pharmacy contract for hidden pricing tricks, rebate carve-outs, and rebate-driven drug placement.

Stop loss policy (catastrophic coverage)

Compares your stop loss policy to your plan document and flags renewal traps and coverage gaps.

TPA / ASO agreement (your plan administrator)

Reviews the contract for whoever runs your self-funded plan, catching uncapped fees and limited audit rights.

Carrier contract (fully-insured plans)

Reviews your insurance carrier contract for hidden margin, buried commissions, and missing renewal caps.

Broker or consultant agreement

Reviews how your broker gets paid and flags vague disclosures and fees that rise as your costs rise.

What to do with what you find

The reaction tells you almost as much as the answer

You will likely find questions you cannot answer from the contract alone. That is the point.

Bring them to whoever advises you on your plan.

A good advisor welcomes the questions and answers in plain numbers.

Watch how they respond — it tells you what you need to know.