Compare

Benefits Decision Support Tools Compared

Benefits decision support covers a wide range of tools. Some are full platforms for large employers. Some are a feature inside a benefits administration system. Most mid-market groups have none at all. Here's how the options break down, so you can match the tool to the group.

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The options

How the options break down

Enterprise decision support platforms

The best-known decision support vendors offer broad platforms built for larger employers. Personalization is often built on claims data, plan data and other employee information, and the products now reach well beyond enrollment into year-round guidance, communication and, in some cases, benefits administration.

Best for: large employers that want one platform for decision support and more, and have the time and data to implement it.

Decision support built into ben admin

Many benefits administration and HCM platforms include a decision support module. It’s convenient because employees see it in the enrollment flow. Capability varies a lot between systems, and the broker usually has little say in how benefits are recommended.

Best for: groups that want something inside their existing enrollment flow and don’t need recommendations shaped to their own plan strategy.

Navigation platforms with enrollment guidance

Care navigation companies sell year-round help with finding and paying for care, and several have added enrollment guidance. Getting the decision support usually means buying the whole navigation platform.

Best for: employers that already want a navigation service.

Doing nothing

This is the most common option in the mid-market: a benefit guide, an enrollment meeting and an HR generalist who isn’t allowed to answer the question. It costs nothing up front, and it’s how participation in voluntary coverage stays flat year after year.

Our approach

Where Help Me Choose Benefits fits

HMCB is decision support built for mid-market groups, roughly 300 to 3,000 lives, and the brokers who serve them.

	Help Me Choose Benefits
Personalization	Anonymous answers about household, finances and health
Employee data collected	No personally identifiable information
Integration	None required; works next to any enrollment system
Who shapes the recommendations	The broker and employer contribute to the logic
Time to go live	Days
Benefits covered	Medical, dental, vision, life, disability, HSA, FSA, HRA, 401(k) and voluntary lines
Languages	English, Spanish and French

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Your next enrollment is the time to start supporting your employees

Pick a plan with flat voluntary participation and we will show you what the guidance looks like for that workforce. Fifteen minutes with Brandan, no deck or hard pitch.

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