Leading data partnership
Building with a national Medicare data and enrollment platform that serves 160 carriers. They have told us their carriers want Dorthy.
01Seed round · 5-minute summary
your AI Medicare advocate
Giving consumers the Advantage in Medicare.
An AI advocate that helps 67 million Americans understand, navigate, optimize, and enroll in Medicare.
One engine
Carriers
Consumers
Agents
02Problem and solution
Medicare is a maze, and people walk it alone.
More than 11,000 Americans turn 65 every day. Plan finders and brokers list options, but nobody advocates for the person choosing. Carriers pay brokers up to $725 for each new member and still don't own the relationship.
Meet Dorthy: an AI advocate from the first question through enrollment, and for years after
Simplifies complexity
Plain-language answers on eligibility, benefits, networks and drug costs.
Personal recommendations
Uses each person's own data to suggest the plans that fit them best.
Full lifecycle support
From first eligibility through every annual enrollment period, not just the sale.
03Business model
Carriers pay for it first. Consumers pay for years.
One Dorthy engine. Carriers license it under their own brand from 2027. That funds and proves it before the Dorthy app launches to consumers in mid-2028.
$6per member per year. Carriers license Dorthy with a $40K minimum and start on a half-price six-month pilot.
<1%of a 60,000-member carrier's members enrolling directly pays back its $360K license in year one.
$694per consumer enrollment from 2028, then $347 every year the member stays (CMS 2026 maximums).
Base case: $4.8M revenue in 2029 ($7.5M upside), including $2.59M in carrier recurring revenue (ARR) from 9 carriers. Carrier fees are flat, never per enrollment, so contracts stay clean under CMS rules.
04Why carriers first
Same mission. Less money at risk on the way.
By June 2028, on a $2M seed
| Measure | Carriers first | Straight to consumers |
|---|---|---|
| Net cash spent | $1.31M | $2.07M |
| Marketing spent before any member used Dorthy | $0 | $576K |
| Cash left from the seed | $746K | Runs out in June |
| Paying customers | 3 carriers | Members from one season |
| Proof the product works | Real members across several carriers | One test market |
Going straight to consumers launches about a year sooner, but carriers first collects $6.6M against $4.2M by the end of 2029 and spends $2.5M less. We would rather reach consumers with proof than spend our way there. Forward-looking estimates from our monthly operating model, not guarantees.
05Market and traction
A $23B+ market that renews every year.
67 million Medicare members carry $23B+ in renewal commissions each year, and new enrollments add $2.8B. Chapter, a consumer Medicare guide, raised $100M at a $3B valuation in April 2026.
Working POC live
Dorthy is answering real Medicare questions today. Live demo on request. A compliance demo for carriers is in build.
$250K pre-seed, licensed to sell
Fully subscribed, and turned into a working product and legal foundation. A co-founder holds an active Arizona insurance license and agency number.
06Use of funds
$2.0M over 18 months.
Built hire by hire, January 2027 to June 2028. Carrier fees cover the gap and leave about $746K in the bank at month 18 (base case).
Build the engine
$898K
44% of spending
- Production platform to carrier security standards
- Carrier white-label and AI accuracy testing
Win and serve carriers
$648K
32% of spending
- Carrier sales and implementation leads
- Travel, events and sales materials
Compliance & security
$198K
10% of spending
- Security certification and testing
- Carrier contracts, data agreements, insurance
Platform and data, admin and consumer launch prep make up the remaining 14%. Member data stays on AWS under a HIPAA business associate agreement, and the AI never trains on it.
07Civil Health team
Engineering depth meets Medicare experience.
12 years in engineering and data analytics, leading technical teams on multimillion-dollar public infrastructure and military contracts. Serves on the AI Council of a company with $100M in annual recurring revenue.
4.5 years as a product manager at a top national health insurer, 2.5 of them leading its Medicare strategic initiatives. Delivered enterprise and federal programs representing $25M+ in investment.
08The ask
$2.0M
Seed round (SAFE) · 18 months of runway
What this seed proves by June 2028
- Carriers live and paying, from the 2027 enrollment season
- Engagement data from real Medicare members
- An 18-month compliance record that carriers have reviewed
- A consumer product tested and ready to launch, funded by a Series A raised on that proof
Talk with Civil Healthchase@civil.health, geoffrey@civil.health
5-minute summary · Full brief and financial model available on request