Skip to main content
For independent health insurance agents

Every client has a path. Most agents never find it.

One profile. Every plan, Medicaid path, Medicare track, LIS, QMB, Rx program, waiver, and grant your client qualifies for — in seconds.

  • Built by agents, for agents
  • Your book, your data
  • Missouri-first pilot

1.2M Missouri residents eligible across 8 pathway categories most tools never search.

The gap most tools miss

Eight ways a client saves.
One screen.

Marketplace plans are one of eight. BridgeCARE surfaces every funding source, program, and waiver that can close the gap — named, sized, and ranked for a real Missouri household.

ACA Marketplace

On- and off-exchange plan comparison, CSR eligibility, subsidy math, special-enrollment windows.

$900–$5,400/yrper client

Medicaid · CHIP

MO HealthNet adult expansion, Family MO HealthNet, state equivalents, CHIP for dependents.

$3,000–$9,000/yrwhen eligible

Medicare · D-SNP

Parts A, B, C, D, dual-eligible SNPs, chronic-condition SNPs, supplement and advantage modeling.

$1,100–$4,200/yrper client

Extra Help · LIS

Part D Low-Income Subsidy, premium and cost-share relief, SSA-based application routing.

$350–$5,300/yrwhen eligible

Medicare Savings Program

QMB · SLMB · QI · QDWI tiers, Part B premium relief, cost-share pickup, state variants.

$2,100/yrPart B premium pickup

Drug PAPs

Manufacturer patient-assistance for insulin, GLP-1, oncology, biologics. Direct application drafting.

$600–$18,000/yrper drug

Waivers · HCBS

HCBS, ABD, TBI, developmentally-disabled, medically-fragile-child, long-term-care waivers.

$8,000–$60,000/yrwhen eligible

Grants · Charity care

Disease-specific co-pay foundations, hospital sliding-scale programs, local nonprofit stacking.

$100–$3,600/yrper client

Dollar ranges are representative annual per-client savings ceilings when eligibility matches, drawn from public CMS, SSA, and state-program references. Full Missouri coverage is validated with the Missouri Department of Commerce & Insurance and partnering agencies before each cohort launch.

What a match looks like

Every client has a different path.

Representative simulations drawn from public CMS, SSA, and state-program references. The +$/mo advocate unlocked figure is the delta between the total coverage found and the primary pathway the client would have reached alone.

Advocate +$320/mo
Denise W.
58 · Missouri · T2 diabetic
Total monthly coverage
$840/mo
  • Marketplace Bronze HSA $520/mo
  • LIS Rx subsidy $240/mo
  • Empagliflozin PAP $80/mo
Advocate +$570/mo
Sara Lopez
42 · Missouri · HCBS waiver family
Total monthly coverage
$2,610/mo
  • MO HCBS waiver (ABD) $2,040/mo
  • Evalee's Grace grant $420/mo
  • SSM charity care $150/mo
Advocate +$575/mo
James T.
68 · Missouri · Dual eligible
Total monthly coverage
$1,285/mo
  • Medicare D-SNP $710/mo
  • QMB (Medicare Savings) $385/mo
  • LIS (Extra Help) $190/mo
Advocate +$580/mo
Alicia K.
34 · Missouri · Prenatal, low-income
Total monthly coverage
$1,940/mo
  • MO HealthNet (SMI) $1,360/mo
  • WIC nutrition $380/mo
  • Cox Health charity $200/mo
Advocate +$500/mo
Marcus P.
51 · Missouri · Veteran + early retiree
Total monthly coverage
$1,120/mo
  • VA health benefits $620/mo
  • Medicare Part D $330/mo
  • LIS supplement $170/mo
Advocate +$590/mo
Evalee S.
9 (via caregiver) · Missouri · Pediatric T1 diabetes
Total monthly coverage
$1,480/mo
  • MO CHIP (premium-free) $890/mo
  • Evalee's Grace grant $440/mo
  • Insulin PAP $150/mo

Monthly dollar figures are illustrative composites drawn from public program data. Actual pathway matches vary by client profile, state, and real-time enrollment rules.

Three steps

From one client profile to every pathway, in seconds.

  1. Profile

    Enter client basics once: age, income, state, conditions, Rx. One form. Never retyped.

  2. Match

    BridgeCARE searches all 8 categories simultaneously and ranks them by value to your client.

  3. Advocate

    Show the client their options. Close the enrollment. Add the commission or retainer to your book.

Where BridgeCARE beats the alternative

You already have tools. None of them do this.

Category coverage by tool

Scope, not quality · does the product surface this pathway?
HealthSherpaACA marketplace broker tool
2/8
ConnectureDRXMedicare plan-comparison
3/8
Agent's spreadsheetWhat this replaces today
1/8
bridgecare One profile · eight engines
8/8
Why an agent built this

Angel Cayocca spent twelve years finding pathways the hard way.

"The paperwork, the waivers, spend-downs, reapplications month after month… it's redundant. It's frustrating. I'm an insurance agent. More importantly, I'm a mother who has lived this."
Angel Cayocca, Founder

BridgeCARE is the tool Angel built so no agent has to piece together a client's coverage from eight different systems again. It's a professional platform, not a consumer app. And it stays that way.

Angel Cayocca, founder of BridgeCARE and a practicing independent health insurance agent.
Angel Cayocca · Founder · Licensed MO Independent Agent · 12 yrs in the field
Early access pricing

Pricing that works on day one.

Lock your tier before public launch. Pricing is frozen for 12 months once you're in.

Starter
Free

Get BridgeCARE in your hands.

  • Client onboarding workflow
  • Basic eligibility searches
  • Single agent seat
Reserve at Starter
Growth 12-month price lock
$89/mo

Full eligibility engine + analytics.

  • All 8 pathway categories
  • Unlimited client profiles
  • Agent analytics dashboard
  • Leads marketplace (early access)
  • Priority support
Reserve at Growth
Pro
$149/mo

For principals and producing agencies.

  • Everything in Growth
  • Advanced agency analytics
  • Hot-lead routing
  • Dedicated agent-success partner
  • Team seats
Reserve at Pro

No credit card to reserve any tier. Pricing locks for 12 months once you're in.

Early-access pricing locked for 12 months post-launch.

Questions agents ask

What agents want to know before they sign up.

How does BridgeCARE get carrier, Medicaid, and program data?

At launch, BridgeCARE is built on publicly available federal and state program data: CMS, SSA, state Medicaid publications, manufacturer PAP directories, and nonprofit disease-fund registries. Curated, normalized, and kept current by our team. Our founder Angel has spent twelve years building the lookup tables that power the matching engine. Carrier-plan data integrations and state Medicaid API connections are on the roadmap as we onboard agency partners.

Is client data HIPAA-compliant?

In v1, BridgeCARE is an agent workflow and eligibility-matching tool. It does not store protected health information (PHI). Client intake captures the demographic and financial signals needed to match programs. The clinical detail lives in your agency’s existing systems. Live PHI pipes, carrier feeds, and provider integrations roll in under business associate agreements (BAAs) during v2. HIPAA-grade infrastructure is built in from day one: encryption at rest and in transit, audit logs, and SOC 2 posture.

What do I get at launch versus on the roadmap?

At launch: all eight pathway categories searchable for Missouri clients, the ranked-results screen shown above, a client-facing PDF summary, and an agent analytics dashboard. On the roadmap: carrier-specific plan integrations, automated state-Medicaid determinations, multi-state coverage, agency seat management, and a leads marketplace. The pilot cohort helps shape the order.

How is BridgeCARE different from my existing CRM or quoting tool?

CRMs track clients. Quoting tools price marketplace plans. BridgeCARE answers what pathways your client qualifies for across all eight categories. Nothing else does that. It’s complementary: your CRM is where you keep your book; BridgeCARE is what you run for each client in that book.

When can I start?

The early-access list is open now. The first agent cohort begins in Q3 2026, Missouri-first. Reserved spots get priority access and twelve months of locked early-access pricing. Joining now also gives you direct input into the pilot feature set.

Reserve your spot

Stop losing clients to pathways you didn't know existed.

Reserve early access now. Lock your pricing. Shape the product your agency needs.

  • First-cohort access in Q3 2026
  • 12 months of locked early-access pricing
  • Direct founder access during pilot
Which tier would you commit to?

Non-binding reservation. Locks your tier pricing for 12 months post-launch. No spam. We’ll only email about BridgeCARE updates.