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Book a briefing

A conversation with a person

Let's talk benefits.

Thirty minutes: your plans, your crews, and how a pilot with one group would run.

No mailing list. A person replies.

For energy employers

A new carrier, a deal, a sale. Benefits that keep up.

Three moments change an energy company's benefits more than any renewal: switching carrier or broker, bringing an acquired company's crews across, and getting ready for a buyer's diligence. Each starts on a date, and the questions start long before it. Roscoe answers each person from their own record, and keeps every step dated.

Talk to us Read on
  1. 01Changing carrier or broker
  2. 02After an acquisition
  3. 03Preparing for a sale
  4. 04Questions

Changing carrier or broker

Change carriers without the confusion.

The new plan starts on a date; the questions start months before. Will my doctor still be covered? Who pays for the scan I've booked for December? Which card do I show? Each lands on HR, who forwards it to the broker. Roscoe answers each person from their own dated enrollments and both plans' schedules, and dates every step HR and the broker owe.

  • What changes for me

    Old and new plan side by side, line by line: what's different, what's new, what's gone.

  • Who pays on which date

    "Who pays for my treatment on December 20?" answered from the plan that covered that day, and which insurer to claim from before and after the switch.

  • Whose card to show

    From the last week before the move, whose card to show and from when, and the old card's last day.

  • The switch plan

    Ten steps from 60 days before the move to the first bill, each with its owner (HR, the broker, payroll or Roscoe), dated back from the day the new plan starts.

  • Changing broker too

    Requests go to the new broker's mailbox with a case reference from the day you say. The old broker's record stays on file.

  • Nobody falls through

    Anyone not enrolled on the new plan stays on HR's list, next to the HR system, until they are; the first bill is checked against who's enrolled.

RoscoeHalcyon Drilling · fictional
Today

What's changing on my plan?

Your dental plan moves to Fictional Prairie Dental on January 1, 2027, from Fictional Lone Star Health.

From the two plans' schedules: 3 things change, 1 is new and 5 stay the same. For example, root canals: 80% after the deductible on the old plan, 70% after the deductible on the new one.

From January 1, 2027

Your dental plan moves to Fictional Prairie Dental

  • Until December 31, 2026Fictional Lone Star Health · HAL-US-DEN-2027
  • From January 1, 2027Fictional Prairie Dental · PD-HAL-2027

What changes

  • Root canals80% after the deductible → 70% after the deductible
  • Braces for children under 19Not covered → 50%, up to $1,500 a lifetime
  • Annual maximum$1,500 a person → $2,000 a person

New on the plan

  • Out-of-network dentistsPaid at the plan's usual rate; you pay any difference

5 lines stay the same.

Treatment before January 1, 2027 is claimed from Fictional Lone Star Health; from January 1, 2027, from Fictional Prairie Dental.

Fictional plans in the demo. From Fictional Lone Star Health dental summary 2026, dated November 1, 2025 and Fictional Prairie Dental summary of benefits 2027, dated October 1, 2026. Copies of each plan's own wording, not a promise of cover: the insurer decides.

What changes for me.

The product's own answer, from the demo, for a fictional employer whose dental plan moves to a new insurer on January 1: the two plans side by side, and which insurer to claim from when.

  • From their own dated enrollments
  • A plan merely ending is never announced
  • In the app or on WhatsApp

After an acquisition

Bring the acquired crews across. Keep everyone covered.

The deal closes on a date; the benefits move on another. Until then two programmes run side by side, with two insurers, often two brokers and two renewal dates, and then everyone has to land on the right plan on the right day, with their family, while they're still rotating on and off site.

  • Who's on which plan

    Both teams' enrollments on record, next to the HR system, so leavers still covered and people never added are a list, not a surprise.

  • Treatment in progress

    Someone pregnant or mid-treatment gets continuity of care explained, and the request drafted with blanks, in the secure app. The new insurer decides.

  • Joiners, leavers and moves from a spreadsheet

    Each row waits in one review queue before anything changes, and new joiners are emailed to your broker once HR has every detail.

  • Every step, dated

    The same switch plan, with the broker's steps on their commitments, so the Monday brief shows what's late.

Plan the switch to the new insurer

Your dental moves from Fictional Lone Star Health to Fictional Prairie Dental on January 1, 2027.

Here's the switch, dated from that day. 1 step is already due: tell your people what changes first.

Dental to Fictional Prairie DentalWho does each step
  1. Tell your people what changesHR · A notice to everyone on the dental plan: Fictional Prairie Dental, from January 1, 2027. Roscoe shows each person what's different once both schedules are published.
  2. Send Roscoe Fictional Prairie Dental's plan documentsBroker · The summary of benefits and the policy wording, so Roscoe can answer from the new plan from day one. Roscoe reviews them before anyone is answered from them.
  3. Send the enrollment file to Fictional Prairie DentalBroker · Everyone on the plan, with their family and tier, from the roster.
  4. Confirm how Fictional Prairie Dental treats people mid-treatmentBroker · Transition of care, any waiting periods waived, and anyone on COBRA or other continuation cover.
  5. Change payroll deductionsPayroll · Each tier's new employee share, from the first pay period of the new cover.
  6. Confirm Fictional Lone Star Health's end date and claim deadlineBroker · Fictional Lone Star Health covers treatment until December 31, 2026; claims for it go to them, by their deadline.
  7. Confirm everyone is loaded with Fictional Prairie DentalBroker · Checked against your roster, so nobody finds out at the pharmacy counter.
  8. ID cards issued by Fictional Prairie DentalBroker · In people's hands, or in Roscoe, before the first day.
  9. Cover starts with Fictional Prairie DentalRoscoe · Roscoe answers from the new plan once its documents are published, and tells people which insurer to claim from by the date of treatment.
  10. Check Fictional Prairie Dental's first bill against your rosterHR · Anyone missing from it, and anyone billed who has left. Record it in Finance.

6 broker steps · not added yet

  • Nov 17Dental to Fictional Prairie Dental: send Roscoe Fictional Prairie Dental's plan documents
  • Nov 17Dental to Fictional Prairie Dental: send the enrollment file to Fictional Prairie Dental
  • Dec 2Dental to Fictional Prairie Dental: confirm how Fictional Prairie Dental treats people mid-treatment
  • Dec 11Dental to Fictional Prairie Dental: confirm Fictional Lone Star Health's end date and claim deadline
  • Dec 18Dental to Fictional Prairie Dental: confirm everyone is loaded with Fictional Prairie Dental
  • Dec 25Dental to Fictional Prairie Dental: iD cards issued by Fictional Prairie Dental
Your broker's commitments

The switch, planned and dated.

HR asks for the plan and gets every step from 60 days before the move to the first bill, with who owns it. One tap puts the broker's steps on their commitments.

  • Worked out from the plans on record
  • COBRA steps only for US plans
  • Nothing is sent from here

Preparing for a sale

Benefits a buyer can check.

In diligence, benefits are a list of questions: what's in force, who's covered, whether the bills match, how renewals were decided. A leaver still covered for a year, or an invoice for more people than are enrolled, is small on its own and a liability on a buyer's list. Roscoe keeps the answers as you go, and prints them as a benefits pack for the data room.

  • The benefits pack

    Every plan in force with its documents, who is covered, invoices against enrollment, renewals and decisions, the broker's record and US federal dates. Counts and records only.

  • Invoices against enrollment

    Each invoice checked against the people and family enrolled at the start of its period: billed for more, for fewer, or matching.

  • Renewals on the record

    Each renewal starts with the broker 120 days out, with every insurer approached visible and HR's decision recorded.

  • The broker's record

    Every duty agreed with the broker, due and done, over 90 days. Evidence, not impressions.

Benefits pack

Halcyon Drilling Ltd: benefits pack

As at Oct 29, 2026. Counts and records only: no one's name, conversation, claims or health. Fictional, from the demo.

The plans in force

Medical: Fictional Lone Star HealthHAL-US-PPO-2027, Jan 1, 2026 to Jan 1, 2027$1,490,000 a year; documents: policy wording (Nov 1, 2025), table of benefits (Nov 1, 2025)
Dental: Fictional Lone Star HealthHAL-US-DEN-2027, Jan 1, 2026 to Jan 1, 2027$96,000 a year; documents: table of benefits (Nov 1, 2025)
Life and AD&D: Fictional Lone Star LifeHAL-US-LIFE-2027, Jan 1, 2026 to Jan 1, 2027$41,000 a year; no plan documents on file

From the policies on record. Premium is as recorded on the policy; the insurer's invoices are below.

Who is covered

Active employees40
Medical: Fictional Lone Star Health37 people enrolled
Dental: Fictional Lone Star Health35 people enrolled
Life and AD&D: Fictional Lone Star Life37 people enrolled
Leavers still covered2on a plan, no longer in the HR system
Employed but not enrolled1in the HR system, on no plan

The HR-system comparison last ran Oct 28, 2026. Open findings only; each is an observation with a date, for HR and the broker to settle.

Invoices against enrollment

Fictional Lone Star Health, LSH-2026-10billed 39, enrolled 372026-10-01 to 2026-10-31; 2 more, about $6,368 on that bill

The latest invoice for each plan, against the people and family enrolled at the start of its period.

Renewals and decisions

Renewal Jan 1, 2026accepted the recommendationincumbent Fictional Lone Star Health; decided Nov 20, 2025

Each market review on record, and what HR decided. The quotes and the broker's comparison are on the employer's record.

The broker's record: Fictional Northstar Benefits

Settled in the last 90 days2
On time50%
Open now2
Open and past due1

Every duty agreed with the broker over the last 90 days, from the record. No score: the dates.

US federal dates for the plan year

Summary annual report, if you extended the Form 5500Dec 15, 2026You send it, two months after the extended Form 5500 date; Plans with 100 or more participants at the start of the plan year (smaller insured plans don't file)
Enrollment notices: the SBC, the CHIP notice and the women's health (WHCRA) noticeDec 31, 2026Your carrier writes the SBC; you send them all with the open enrollment materials, before the plan year starts; Every group health plan
Gag-clause attestation to CMSDec 31, 2026On an insured plan your carrier usually attests for you if you've agreed it in writing; check it's done; Every group health plan
W-2s show the cost of health coverage (box 12, code DD)Feb 1, 2027Your payroll provider; Employers that filed 250 or more W-2s the year before
Forms 1095-C to employeesMar 2, 2027You or your payroll provider; some employers can post a notice that forms are available on request instead, and your broker or payroll provider confirms which you use; Employers with 50 or more full-time employees, counting part-time hours as equivalents
Part D disclosure to CMS, onlineMar 2, 2027You, on the CMS website, within 60 days of the plan year starting; Every plan with prescription drug coverage
Forms 1094-C and 1095-C to the IRS, filed electronicallyMar 31, 2027You or your payroll provider; Employers with 50 or more full-time employees, counting part-time hours as equivalents
Prescription drug data report (RxDC) to CMSJun 1, 2027On an insured plan your carrier usually files it; confirm that in writing; Every group health plan

For 3 people working in the US. The rules most US employers work to; the broker or counsel confirms what applies.

Made by Roscoe from the employer's own records on the day it was opened. Roscoe isn't an insurer, broker or adviser; the policies and the insurers' documents are the terms.

Read fresh, every time it's opened.

The pack itself, built by the same code HR's page uses, from a fictional employer's demo records. Nobody being assessed writes it: it's assembled from the record, and what isn't connected is said rather than left blank.

  • Plans and documents, coverage, invoices, renewals, the broker
  • US federal dates when people work there
  • No one's name, conversation, claims or health

What we do, and what we don't

We make the change understood, and keep the record.

Roscoe does

  • Answers each person from their own record and the plans' documents
  • Dates every step and shows whose is late
  • Checks invoices and the first bill against who's enrolled
  • Keeps the record a buyer asks for, as you go

Roscoe doesn't

  • Choose the insurer or advise on cover: that's your broker
  • Check a provider network itself
  • Decide claims or continuity of care: that's the insurer
  • Value the business or predict premiums

Questions

Before you ask.

Anything else, ask us directly.

Does Roscoe choose the new insurer?

No. Your broker runs the market review and HR decides. Roscoe starts the renewal with the broker 120 days out, shows every insurer approached, and records the decision.

Can Roscoe tell someone whether their doctor is in the new network?

Not itself. It says what to ask the new insurer, with the plan number and the date, and points to the insurer's own directory where we have it.

Can we keep their broker, or ours?

Either. Requests go to the broker's mailbox; brokers never sign in. If the broker changes, requests go to the new one's mailbox from the day you say, and the old broker's record stays on file.

Can the acquired team use Roscoe before they move?

Yes. Each person is answered from the documents for the cover they actually have, so people still on their old plan and people on yours use the same Roscoe.

Who sees the benefits pack?

Whoever HR gives it to. HR prints it or saves it as a PDF; Roscoe doesn't send it anywhere, and a buyer never signs in. It never holds an individual's claims.

Will Roscoe lower our premiums?

Roscoe doesn't price cover. It stops you paying for leavers, checks every invoice against who's enrolled, and starts each renewal 120 days out, so your broker has time to go to market.

What does it cost?

A flat fee per employee per month, paid by you and disclosed in full, plus implementation. It never depends on what cover is placed.

A change coming up?

Plan it before the date.

Tell us the date: the new plan starting, the move, or the data room opening. Everything is dated from it.

Talk to us For HR teams For brokers