# Benefit PAL vs Covered365

The clearest difference is rating: Benefit PAL at 2.9 against Covered365's 1.2. Covered365's advantage is ratings volume (158 vs 13) and update cadence (every 2 weeks vs monthly). On price, review sentiment, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Benefit PAL holds the better App Store score, 2.9 against 1.2. That said, the two scores are not equally well evidenced: Covered365 has 158 ratings behind it against 13, so its average is the more settled of the two. Written reviews complicate that: 0% of Benefit PAL's written reviews are positive against 1% of Covered365's, so the app with the better star average is not the one people write more warmly about.

Benefit PAL ships an update monthly, Covered365 every 2 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | Benefit PAL | Covered365 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (13 ratings)](https://appshunter.io/ios/app/benefit-pal/id1575011864/reviews)** | [1.2 (158 ratings)](https://appshunter.io/ios/app/covered365/id6733248038/reviews) |
| Number of ratings | 13 | **158** |
| Positive reviews | 0.0% of reviews | **1.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 3 MB | 43 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [New Era LifeInsurance Company](https://appshunter.io/developer/1575011866) | [Detego Health LLC](https://appshunter.io/developer/1771461316) |

## What reviewers say

### Benefit PAL

[App page](https://appshunter.io/ios/app/benefit-pal/id1575011864)

Manage your insurance policies, view coverage details, and make premium payments conveniently. Access policy information and stay updated on your coverage. This app simplifies insurance management for policyholders.

**Highlights:** Access policy information, Make premium payments, View coverage details, Manage insurance policies

**Features:** macOS Compatibility

**In-app purchases:** none


### Covered365

[App page](https://appshunter.io/ios/app/covered365/id6733248038)

Access your health benefits plan 24/7, view your digital ID card, track claims, and understand your explanations of benefits. Eligible Detego Health LLC® users can also complete surveys for population science management.

**Highlights:** Digital Benefits ID Card, Claims Tracking, Explanation of Benefits (EOBs), Survey Completion, 24/7 Access to Benefits

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Benefit PAL free?

Benefit PAL is free to download, with no in-app purchases.

### Is Covered365 free?

Covered365 is free to download, with no in-app purchases.

### Which has better reviews, Benefit PAL or Covered365?

Benefit PAL is rated higher. Benefit PAL averages 2.9 out of 5 from 13 ratings, while Covered365 averages 1.2 from 158 ratings.

### Do Benefit PAL or Covered365 have ads?

Neither Benefit PAL nor Covered365 shows ads.

### Which is updated more often, Benefit PAL or Covered365?

Benefit PAL ships an update monthly, and Covered365 every 2 weeks. Most recently, Benefit PAL was updated on October 24, 2026 and Covered365 on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*