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Tell us about you

A few details so we can personalize your recommendations and connect you with help if you need it.

First name

Last name

Date of birth

Sex (for life insurance underwriting)

Phone (optional — for SMS reminders and advisor calls)

Street address

City

State

ZIP code

Do you have a spouse or partner?

Spouse or partner's age

Does your spouse or partner have medical coverage available through their own employer?

Do you have children?

How many children?

Their ages

By submitting your email, you authorize and expressly consent to Pendella and Open Enrollment Advisor sending you one-off email messages related to the information, service, or request that you're inquiring about. By submitting your phone number, you also authorize and expressly consent to calls and/or SMS/text and voice messages being delivered to your phone number placed by Pendella and Open Enrollment Advisor, their associates, and/or service providers, from an automatic telephone dialing system and/or using an artificial or pre-recorded voice, related to offers, benefits, and services that may be of interest to you. You understand that you may opt-out of receiving email and/or phone communications at any time by contacting Pendella at optout@pendella.com.

I confirm I am 18 years or older, and I agree to the Privacy Policy and Terms of Service.

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Drop your OE guide PDF here

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Optional: compare your spouse's plan with yours.

If your spouse has coverage through their own employer, there's a decision most families never actually run the numbers on — should your spouse and kids be on your plan, on theirs, or split between the two? The cheapest answer often isn't the obvious one. It usually comes down to each plan's premiums and any working-spouse surcharge, which are easy to overlook.

Upload your spouse's open enrollment guide and we'll compare every realistic way to cover your household, then show you the lowest-cost setup and what it saves. You'll confirm the key numbers before anything is calculated — nothing is guessed.

The document is read once to pull the plan details, then discarded. It's never stored, and never shared with either employer.

— or load a demo —

Reading your document…

Starting…

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A few quick questions — here's why they matter.

Your answers drive the recommendation, so each one is doing real work. Who's in your household decides which plan tier is cheapest and whether splitting coverage with your spouse saves money. The doctors and prescriptions you tell us about determine whether the lowest-cost plan is actually right for you — a plan that drops a doctor you need or a drug you take isn't a bargain. Nothing here is shared with your employer; it's only used to think through your options with you.

Load profile:

This is educational guidance, not licensed advice. Your answers stay private — your employer never sees them. The official plan documents are what govern your coverage.

How to use this

Start the conversation — share what matters about your work, family, and finances.
Watch your recommendations build as the advisor learns your situation.
Refine them together — ask questions, challenge assumptions, get specifics.
Print or download when you're ready for enrollment.

How to Read Your Recommendations

Each recommendation includes:

What we recommend — the coverage option we believe best protects you and your family.
Why we recommend it — the reasoning behind our recommendation.
What to confirm — any questions to verify with HR or your insurance carrier before enrolling.

Our approach: We prioritize the benefits that have the greatest financial impact—life and disability insurance first, followed by medical, dental, vision, and other benefits.

Our analysis: All costs and comparisons are based on your employer's plan documents using deterministic calculations—not estimates. If we had to make an assumption, we'll clearly identify it so you know what to verify before making your final elections.

This is educational guidance, not licensed advice. Figures come from your uploaded plan documents and a deterministic cost comparison. The official plan documents govern your coverage — confirm the flagged items with HR before you enroll.