PlanLedger
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Pricing

One simple price. The whole product.

$5 per eligible employee per month, billed monthly, cancel any time. No tiers. No feature gating. No recovery share.

Pricing

One price. One tier. The full product.

$5 per eligible employee per month, flat. Month-to-month, no annual contract, no feature gating, no consultant retainer. Same price for the 75-employee plumbing distributor and the 4,500-employee hospital system.

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What does PlanLedger cost — and what does it return?

505001,0002,5005,000

PlanLedger monthly

$1,250

Billed monthly. Cancel any time.

PlanLedger annual

$15,000

Less than one hour of ERISA counsel.

Estimated annual recovery (bonus, not the value prop)

$10,000–$29,000

Based on Mercer's $4,265 average PBM spend per employee per year and 3–6% typical overcharge per FTC's 2024 6(b) report, risk-adjusted by realistic dispute capture rates.

ROI multiple (low)

1×

ROI multiple (high)

2×

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No credit card required. One full monthly cycle on the house.

PlanLedger Standard

$5 / employee / month

Flat. Monthly billing. Cancel any time.

  • Unlimited claim files & contract versions
  • AI dispute flagging at ≥85% confidence
  • Per-PBM Dispute Pack (PDF + CSV)
  • Per-tenant fiduciary ledger (hash-chained, KMS-signed)
  • Fiduciary Package PDF on demand, any time
  • Auto-drafted CAA §204 demand & DOL/EBSA escalation letters
  • Primary / Delegate / Backup roles & sign-off
  • Fax (Phaxio) and Certified Mail (PostGrid) outbound on request
  • Inbound SFTP feed setup & forwarded-email channel
  • Public Trust Center & 7-year WORM retention of every artifact
Start free 30-day trialTalk to us (5,000+ EEs)

Free trial includes one full monthly Compliance Task and one Fiduciary Package download. Subscription unlocks the living ledger and unlimited packages.

No annual contract

Month-to-month. The product earns the renewal each cycle.

No recovery share

Your recovered dollars are yours. We charge for the ledger, not the outcome.

Your data is yours

Export every byte at any time, even after you cancel. We are the recorder.

What's actually included

The full PlanLedger product is in the box. There is no upsell.

Analysis & disputes

  • Unlimited claim files (CSV, XLSX, EDI 835, NCPDP, PDF)
  • Per-claim NADAC + WAC benchmarking
  • AI dispute flagging at ≥85% confidence (AWS Bedrock)
  • Per-PBM Dispute Pack (PDF + CSV) on demand
  • Phaxio (HIPAA fax) and PostGrid (Certified Mail) outbound on consent

Fiduciary record

  • Per-tenant immutable hash-chained ledger
  • KMS-signed every write; verifiable with public key
  • Fiduciary Package PDF on demand, any cycle
  • Auto-drafted CAA §204 demands & DOL/EBSA escalations
  • 7-year WORM retention via S3 Object Lock

Operations & access

  • Primary / Delegate / Backup roles with sign-off rules
  • Inbound: drag-drop, SFTP feed, forwarded-email channel
  • Read-only access for ERISA counsel and brokers
  • Stripe Connect for broker rev-share (15%)
  • Public Trust Center, BAA index, SOC 2 status, security email

Frequently asked

The questions plan administrators, brokers, and CFOs ask first.

Are you a law firm?+

No. PlanLedger is a software platform that documents fiduciary diligence. We are not a law firm and do not provide legal advice. Our positioning is reviewed by external health-tech ERISA counsel; your plan should still have its own.

How is this different from a PBM consultant?+

Consultants run point-in-time analyses, build slide decks, and sit on quarterly calls. PlanLedger gives you a continuous, tamper-proof record — the kind a court has to accept — for ~10% of the cost. Many of our customers run both: PlanLedger for the system of record, a consultant for negotiation strategy.

How is this different from a scraping platform like HDS or Xevant?+

Those tools log into PBM portals on your behalf, which violates the PBM's Terms of Service and creates contract risk for you. PlanLedger never logs into a portal and never stores credentials. We work with what your PBM is legally obligated to give you.

Do I need to switch PBMs?+

No. PlanLedger sits next to your existing PBM. You stay in your contract. We just make sure the contract is being honored — and that you can prove you checked.

What does the 15-minute monthly task actually involve?+

Three steps and a sign-off. Step 1: drop in (or auto-receive) your monthly claims file. Step 2: review the AI-flagged disputes and export a per-PBM Dispute Pack to file. Step 3: upload responses your PBM sent you last cycle — our AI classifies each one. Then your Primary signs off and the cycle is sealed in your ledger.

What happens to my data if I cancel?+

You can export every byte at any time, even after cancellation. The living ledger and Fiduciary Package generation require an active subscription, but a frozen, signed copy of every prior cycle's package is yours forever via your export.

Is PHI involved?+

Yes — claims data is PHI. PlanLedger is built HIPAA-ready: BAAs with every subprocessor in the boundary, AWS BAA covering Bedrock, S3, KMS, and Lambda; Supabase Team + HIPAA add-on; row-level security and per-tenant KMS keys. Trust Center has the full subprocessor list.

Who signs off on a cycle? Can I delegate?+

The Primary (named ERISA fiduciary on your plan) is the only role that can sign off in normal operation. The Primary may name up to two Delegates per cycle who can do the work. A Backup is auto-escalated only if the Primary misses the cycle.

How do you make money if you don't take a cut of recoveries?+

$5 per eligible employee per month, flat. We charge for the ledger — not the outcome. This keeps our incentives aligned with your fiduciary record, not with how aggressive your disputes are.

What about brokers — do you work with them?+

Yes. Brokers get a referral link, a per-client portal with read-only access to client Fiduciary Packages, and a 15% recurring rev-share via Stripe Connect. See /for-brokers.

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Document the duty. Recover the dollars. Sleep through the next DOL audit.

Free for 30 days. One full Compliance Task on the house. No credit card. Your data is yours forever, even if you cancel.

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