Boosting Benefits Enrollment with Technology
Enrollment season is upon us, making it prime time for your benefits broker to unveil new and different ways to engage employees and help them make their benefits decisions.
For most employees, one-on-one enrollment meetings with benefit advisers are a high touch perk; nowadays, employees are responsible for gathering information on their benefit offerings and making choices on their own. Although employers offer benefits for the health and well-being of employees and their families, employees often wind up devoting very little or even no time at all to benefit choices aside from health, dental, and vision.
As many employers scale back on high-touch enrollment services, they are also shifting from full-coverage health plans to high deductible health plans. With out-of-pocket costs for health plans rising, employees are less likely to consider other important benefits due to their shrinking benefits budgets. In the absence of proper communication and education, employees can so easily overlook their need for disability insurance to protect their income and for benefits like critical illness and accident insurance to fill the gaps left by their high deductible health plans.
Both of these shifts — more manageable enrollment programs and high deductible health plans — are almost necessary in the wake of the Affordable Care Act and are now making innovative, engaging benefits education even more critical.
How can we provide employees with the tools and resources that will allow them to give their benefits the consideration they deserve and help these employees make informed decisions? Technology, technology, technology and that's where Granite Insurance Brokers can help. Get the best of both worlds: Amazing technology and trusted benefits expertise all in one place, Granite HealthPro!
Granite HealthPro, powered by Maxwell Health, is for organizations that want a streamlined employee benefits administration solution that offers:
Paperless Open Enrollments
Mobile benefit informaiton - never rely on ID cards again
Customizable Enrollment Rules
Automated COBRA terminations and notifications
Healthcare Reform Built-in Compliance
Employee Communication and Self-Serve
Carrier Connections - providing real time information
and much more!
For benefits communication and education to be effective in today’s world, it needs to be dynamic and innovative — and certainly not more complicated. This is where technology plays a huge role. With the interactive technological possibilities available with Granite HealthPro, benefits enrollment can be overhauled into a process that promotes engagement, simplifies how people come to understand which benefits can address their needs, and helps employees protect what is most important in their lives.
In the meantime, I hope you will find our 2016 Benefits Notices for Open Enrollment, an easy to understand guide featuring key federal notices.