For brokers
Benefits Decision Support for Brokers
You designed the package. You know which coverages this workforce needs and why. Help Me Choose Benefits takes that thinking and delivers it to each employee during enrollment, so the plan you built is the plan they understand.
The problem
The problem with how enrollment works now
You build a strong package for a 900-life group, add long term disability and critical illness because the workforce needs them, and participation comes in flat again. Employees aren’t refusing the coverage. They’re skipping past something they don’t understand, in an enrollment portal, on a Tuesday.
The usual fixes don’t reach them. Benefit guides go unopened. Enrollment meetings are forgotten by the time people log in. The decision support module inside the ben admin platform is usually a plan comparison chart. And the enterprise tools are built for groups ten times the size of most of your book.
How it works
Your strategy, explained to every employee
Employees answer a short, anonymous survey about their household, finances and health. In about four minutes they get a personal recommendation that explains why each benefit fits someone in their situation, and when it doesn’t.
You contribute to the recommendation logic for each group. If this workforce skews young and single-income and critical illness is the right call, the recommendation reflects that. It’s your strategy reaching employees, not a vendor’s model of the general population.
Why brokers use it
What brokers get
01
Participation where it matters
Voluntary and financial products are where employees are most confused and where an explanation changes the most. They’re also where first-year commission is strongest.
02
Live in days
No census feed, no carrier or TPA integration, no implementation running past the renewal date.
03
Reach without being in the room
The guidance you’d give in an enrollment meeting, delivered to every employee at every location.
04
Fewer service calls
Employees who understand their recommendation don’t call your team or HR to ask about it.
05
Works with whatever they’re on
Workday, UKG, Dayforce, Paycom, Paylocity or a ben admin system you’ve never heard of. HMCB doesn’t touch it, so it doesn’t matter.
06
Every benefit type
Medical, dental, vision, life, disability, HSA, FSA, HRA, 401(k) and voluntary lines, in English, Spanish and French.
Proof
Proof from a real enrollment
At ConGlobal, a logistics company with 2,600 benefit-eligible employees, long term disability participation rose from 18% to 30%, and critical illness, hospital indemnity and supplemental life each gained 9 to 11 points.
ConGlobal · participation before and after
18%
30%
Long term disability
35%
46%
Critical illness
28%
37%
Hospital indemnity
29%
38%
Supplemental life
Employees finished the survey in an average of 3 minutes and 57 seconds.
For your proposal
A stronger proposal
Decision support that goes live in days, doesn’t ask the client’s IT team for anything and doesn’t collect employee data is easy for a client to say yes to. It gives you something in the proposal the incumbent doesn’t have, and a participation report to bring to the renewal.
More for brokers: how to increase voluntary benefits participation and what to ask any AI decision support vendor.
FAQ
Questions brokers ask
Does HMCB replace the broker’s advice?
No. The broker and employer contribute to the recommendation logic, so HMCB delivers your strategy to each employee. It’s built to extend what you do, not replace it.
Do employees have to give personal information?
No. Employees answer anonymous questions about their household, finances and health. They never give a name, Social Security number, employee ID or login.
Does it integrate with the client’s enrollment system?
It doesn’t need to. Employees open HMCB from a link or QR code, get their recommendation, then enroll in whatever system the employer uses.
How long does setup take?
Most groups can go live in days. You provide the benefits summary the employer gives new hires and set the recommendation logic.
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.
See it with your own plansOr walk through the employee experience first. Four demo companies, no contact information required.
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