For Brokers — Beim Health
For Benefits Brokers

Your clients' employees
are losing $400/year.
Fix it for free.

Beim Health is a free platform you can offer to every employer client. We help their employees find, buy, and use HSA/FSA-eligible products — with AI Care Navigators, clinical grading, and Letters of Medical Necessity handled automatically.

Free for brokers. Free for employers. Free for employees.
Become a Broker Partner → See How It Works
The Problem Your Clients Face
Employers fund HSA and FSA accounts. Employees don't spend them. $3.4 billion disappears every year — and your clients wonder why their benefits investment isn't driving satisfaction.
The problem isn't employee apathy. It's friction. Employees don't know what's eligible, can't navigate Letters of Medical Necessity, and give up at checkout. That's where Beim comes in — and where you become the broker who solved it.
$3.4B
FSA dollars forfeited annually by American workers
85%
of consumers abandon when a Letter of Medical Necessity is required
~$400
average per employee lost every year in unused benefits
Why Brokers Partner With Us

You look like a hero.
It costs you nothing.

Beim is free to offer, free to onboard, and instantly increases the value of every benefits package you sell.

🏆
Differentiate Your Book
Every broker sells the same carriers. Beim is the add-on nobody else offers — a tangible tool that employees actually use, making your benefits package stand out in RFP season.
📈
Increase Retention
When employees use their benefits, employers renew. Beim drives real HSA/FSA utilization — which means your clients see ROI and stay with you longer.
💰
Zero Cost to You
No fees, no minimums, no contracts. Beim is free for brokers, free for employers, and free for employees. We earn a margin on products purchased — you earn client loyalty.
⚡
5-Minute Onboarding
Send your client a link. Their employees enter their HSA/FSA balance and start shopping. No IT integration, no HR setup, no API keys. It just works.
📋
LMN Handled
The #1 reason employees don't use their HSA? The Letter of Medical Necessity. Beim automates it — $35, signed by a physician in ~4 hours. Your clients' employees stop leaving money on the table.
🔬
Clinically Graded Products
Every product in our marketplace is graded A–D by the Beim Clinical Evidence Level rubric. Employers trust it. Employees trust it. And you can stand behind it.
How It Works

From your pitch to
employee checkout.

Four steps. No technical setup. No implementation calls.

01 🤝
You Partner With Beim
Sign up as a broker partner (free). Get a co-branded link and materials you can share with any employer client.
→
02 📧
Share With Clients
Include Beim in your next benefits review, open enrollment packet, or RFP. Position it as a free HSA/FSA optimization tool.
→
03 👩‍💻
Employees Self-Serve
Employees visit beim.ai, enter their balance, meet their Care Navigator, and browse clinically graded HSA/FSA-eligible products.
→
04 🎉
Benefits Get Used
Employees buy products with their HSA/FSA. LMNs are handled. Benefits stop going to waste. Your client is happy. You retain the account.
What Your Clients' Employees Get

A personal Care Navigator
for every employee.

When employees visit Beim, they get a concierge experience — not a product catalog.

👩‍⚕️
AI Care Navigators
Everly and Brooks guide employees through the entire process — from balance entry to checkout. Personalized, conversational, and always available.
🎯
Goal-Based Matching
Employees set health goals (weight, sleep, hair, stress, etc.) and the AI matches them with clinically graded products ranked by relevance.
📋
Instant LMN Pathway
Products that need a Letter of Medical Necessity? Beim handles it — $35 via network physician (~4 hrs), template for their doctor, or upload their own.
💳
HSA/OOP Split Checkout
If a product exceeds their HSA balance, they can split the payment — HSA covers what it can, debit card covers the rest. One transaction.
🛡️
Insurance Verification
Before touching HSA funds, we check what insurance already covers — so employees use insurance first, HSA second, and their wallet last.
🔬
Clinical Evidence Grading
Every product is graded A–D using the Beim CEL rubric. Grade A = multi-RCT, 90–100% physician confidence. Real science, not marketing.
Pricing

Free. Actually free.
No asterisks.

Broker Partner Plan
$0
per broker · per employer · per employee — forever
  • Unlimited employer clients on your account
  • Co-branded landing page with your firm's name
  • Employee self-service — no HR admin required
  • Full access to 120+ CEL-graded products
  • AI Care Navigator for every employee
  • Automated Letters of Medical Necessity
  • HSA/FSA split checkout and insurance verification
  • Community Pool group buying discounts
  • HIPAA-compliant — no employee data shared with brokers
Beim earns a margin on products purchased through the platform. That's it. No fees to you, your clients, or their employees — ever.
By The Numbers

The results your clients
will actually see.

3×
More Purchases
When LMN friction is removed
120+
Eligible Products
Clinically graded A–D
~4 hrs
LMN Turnaround
vs. 3+ weeks traditionally
Questions

Common broker questions.

How is this actually free?▼
Beim earns a margin on products purchased through the platform — similar to how a marketplace works. We don't charge brokers, employers, or employees any fees. Your clients get a free benefit enhancement; we get customers who buy health products.
Does the employer need to do anything to set this up?▼
Nothing. No IT integration, no API setup, no HR admin. Employees self-serve — they visit beim.ai, enter their HSA/FSA balance, and start shopping. The employer just needs to share the link (we provide email templates and open enrollment materials).
Is employee health data shared with the broker or employer?▼
Absolutely not. Beim is HIPAA-compliant. Employee health data, purchase history, and biometrics are never shared with brokers, employers, or any third party. Employees control their own data.
What does "co-branded" mean?▼
When you sign up as a broker partner, we create a landing page that includes your firm's name — so when employees visit, they see that this benefit was brought to them through your brokerage. It reinforces your value without any additional work.
Can I use Beim during open enrollment?▼
That's the ideal time. During OE, employees are already thinking about benefits. Include Beim in your enrollment materials as "a free HSA/FSA optimization tool" — it gives employees an immediate reason to fund their accounts and choose higher-deductible plans.
How does Beim handle Letters of Medical Necessity?▼
Three pathways at checkout: (1) Use Beim's network physician — $35, signed in ~4 hours; (2) We generate a pre-filled template the employee takes to their own doctor; (3) Employee uploads an LMN they already have. The whole process is integrated into checkout.
Get Started

Add Beim to your
benefits toolkit — free.

Fill out the form below and we'll set up your broker partner account within 24 hours. No contracts, no commitments.

Broker Partner Signup
We'll send you your co-branded link, email templates, and open enrollment materials.
🔒 No contracts · No fees · Cancel anytime