How MHICO works

An AI copilot that helps you understand your health insurance, from coverage questions to claim disputes and everything in between.

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At the heart of MHICO is an AI assistant trained to help with U.S. health insurance. You don't need to know the right terminology or fill out any forms. Just describe your situation in plain language and the assistant will explain what's happening, what you owe, and what you can do about it.

"Why did my insurance deny this?" "How does my deductible work?" "Should I switch plans this enrollment?" "What's covered under my FSA?"

Step 1

Create your account

Sign up in seconds. To protect your health information, you'll also set up two-factor authentication. It takes under a minute and unlocks the full AI chat experience.

Step 2

Ask the AI assistant anything

Go to Ask Mhico and type your question or tap one of the suggested prompts to get started. The assistant handles claims, benefits, cost estimates, appeals, plan comparisons, FSA/HSA, and more.

Step 3

Share a document for specific help

Got an EOB, a provider bill, or an insurance card? Attach it to your message as a PDF, photo, or pasted image. The assistant reads it directly and gives you a precise breakdown of what happened and what you owe.

Step 4

Get clarity

The assistant explains what happened and how your plan applied in plain language, not insurance jargon. No guesswork, no hours on hold.

Step 5

Choose next steps

Decide whether to pay, call your insurer, appeal a denial, or do nothing, with the assistant walking you through exactly what to say or write.

Your privacy is protected

Conversations are held only in your session and deleted when you log out. Your health data is never used to train AI models, and all AI processing runs under a HIPAA Business Associate Agreement.

Most questions get answered in under a minute.

Get started