✦ Free Tools for Employees · No Account Needed
From Dillingham Benefits — built for your team

Your benefits,
finally explained.

Plain-English answers, a free plan comparison guide, and a library of guides that explain what your insurance actually means — because you deserve to understand what you're paying for.

✓ Completely free
✓ No email required
✓ Not affiliated with any carrier
✓ Works on any device
Explore
Right now

What's happening?

Nobody searches for a tool by name — you search for your situation. Pick yours. Each one walks you through it step by step, in plain English.

✓All of these are free — no logins, no signup, no catch. They're here for you. Use them.
🤔
It's enrollment time
"Which plan should I pick?"
Example — yours can be custom-built
Enter your real doctor visits and prescriptions — see what each plan actually costs you. →
🏥
A procedure is coming
"I have surgery scheduled."
Get the approvals, estimates, and paperwork lined up before the date. →
📄
Something got denied
"My insurance said no."
A denial is the start of a process, not the end. Work the appeal step by step. →
💊
It's a prescription
"My Rx got denied — or costs a fortune."
Denials, prior auths, and prices that make no sense — here's the path through. →
🧮
Before a procedure
"What will this actually cost me?"
Five numbers off your insurance card — see your real share, step by step. →
✍️
Fighting a denial
"Help me write the appeal."
Most denials are never appealed — and appeals win. Build a proper letter in 5 minutes. →
🧭
Any company, any plan
"Just walk me through choosing."
Free — not customized
The step-by-step guide from "no idea" to a defensible choice. →
📖
Every term, decoded
"What does this word even mean?"
30+ plain-English answers — deductibles, EOBs, prior auth, all of it. →

Stuck on something these tools don't cover? cpalm@dillinghambenefits.com — a real person reads it, and replies.