Lussent Insurance · Budget-based benefits in minutes

Health & insurance your teamactually understands.

Lussent turns insurance into a simple monthly budget. You choose how much to invest per employee; we handle plans, cards, claims and compliance in one place.

  • 5 minpara lançar benefício
  • +90%de adesão em média
  • Visapara despesas de saúde

Works with all major carriers and payroll providers. Cancel anytime.

Aurora Labs · Benefits snapshotLive demo
Budget-based health benefits for a 42-person team.
Monthly budget
$42,000
Company-wide cap
Avg. per employee
$1,000
Health + dental + extras
Utilization
87%
Active vs. eligible
Top plans selectedThis month
BlueCare Gold HMO41%
Flex Silver PPO33%
Dental + Vision Bundle26%
Powered by Cuvist · For illustration onlyERISA & HIPAA compliant
Employer control center
One place to set budgets, approve policies and understand how your team actually uses their benefits.
Healthcare spend vs. budget
82%
Under budget this month
Employees with coverage
93%
Including dependents
Out-of-pocket reimbursements
$18,400
Cards + receipts processed
How Lussent Insurance works
Inspired by how modern companies run everything else: flexible, budget-based and radically transparent.
1. Set the budget~5 min

Choose a monthly allowance per employee and which categories count as eligible spend.

2. Employees pick plans~10 min

Lussent guides each person to the best plan for their family, in plain language.

3. Spend with the card~2 min

Members use a Lussent card for premiums, prescriptions, mental health and more.

4. Track & optimize~ongoing min

See real-time utilization and adjust budgets without renegotiating a single contract.

Member: Erin TaylorFrontend Engineer · NYC
Lussent Health Card
**** 2345
Monthly allowance
$1,200
This month$980 used · $220 remaining
Medical plan premium$640
Therapy sessions$180
Prescriptions$96
Dental & vision$64
Lussent Copilot · Benefits concierge
Employees text questions; the Copilot explains coverage, next steps and what's eligible in seconds.
Member · SMS
I need an MRI. Is it covered under my current plan and how much would I pay?
Lussent Copilot · 4s

Yes, MRIs are covered on your Flex Silver PPO after you meet your deductible.

  • • Estimated out-of-pocket: ~$180
  • • In-network only; check suggested clinics below
  • • You can pay using your Lussent card at the appointment
Company-wide spend breakdown
See where benefits budget actually goes, without another spreadsheet.
Premiums54%
Out-of-pocket24%
Mental health12%
Dental & vision10%
Updated 2 min ago
Compliance & operations handled
Lussent keeps you compliant with insurance, tax and privacy rules so your team can focus on people, not paperwork.
For HR

Automated eligibility, onboarding and offboarding across your stack.

For Finance

Single invoice per month, by cost center, with forecastable spend.

For Legal

Plan docs, notices and receipts handled with full audit trail.