Benefits
The easiest way for your team to enroll in Benefits
Summary
Enrolling your team in benefits is typically a poor user experience for employees.
It's important for companies to offer insurance benefits to their employees, however the process typically involves a lot of paperwork, coordination, explanation and confusion. Employees often times don't understand their costs or what their plan choices are, and HR teams are burdened with making sure enrollments are completed on time and sent to the insurance carriers.
Enrolling in benefits is often times a lot of confusing paperwork.
It's difficult to understand your plan options and their costs for your family.
Making sure all enrollment data is synced to carriers is a burden for HR.
Compare your benefit plans, see your costs, and enroll with just a few clicks.
GoCo's Benefit app lets employees easily enroll in Benefits. Companies can build and launch an open enrollment and send employees a digital link to review their plan options, costs and enroll.
All the benefit enrollment data and carrier forms are captured and can be automatically synced to insurance carriers giving back a lot of time to plan admins.
- No more confusing stacks of insurance paperwork.
- Easily understand what you're enrolling in and it's cost in real-time
- All enrollment data is captured and synced to insurance carriers.
We built hundreds of features and enhancements so we could support a wide range of benefit use cases on GoCo.
This is not a full list, but here are some of the core features of Benefits:
Benefit Administration
Manage benefits across your entire team
Policies & Plans Configurations
Configure plan cost and eligibility rules
Employee Self Service
Let your team enroll in benefits
Carrier Forms
Auto-fill the required enrollment forms
Benefit Sync
Sync enrollment data to insurance carriers
ACA & COBRA Compliance
Ensure Benefit compliance with U.S. laws
Our Process
Our process for building Benefits was a several year journey of learning, building iterations.
Given the breadth of complexity around insurance benefits, it took the team several years to round out the feature set to be able to support the majority of our customer's benefit configurations.
We built the initial version of benefits to support the most common plan types, Health, Dental and Vision, then we continued extending the capability to support more complex types like Voluntary Life, Short Term Disability etc.
Interview insurance benefit experts 💬
We spoke and consulted with several experts in the insurance benefit space to understand how benefit costs, dates and eligibility were calculated.Spec & Wireframes ✍️
We designed several specs and wireframes along the way and ran them by our insurance experts to make sure we were building the correct thing for our customers.Product Design & Engineering 🛠
Product design and engineering worked closely and quickly to build incremental releases, starting off with shipping the core foundations around the most common benefits, and then enhancing the feature with the ability to support more complex benefits use cases.New Customers = New Use Cases 🛠
As we gained more and more customers, we prioritized the most common benefit scenarios and built towards those.
The Results
Over 500k benefit enrollments held on GoCo saving thousands of hours
Customer Adoption
Over 70% of customers use Benefits to help streamline their benefit enrollment experience.
70%
Customers Use Benefits
Benefit Enrollments
300k+ enrollments completed on GoCo saving countless hours of paperwork and process for admins and their employees.
500k+
Benefit Enrollments
Customer Feedback
35% of customer reviews mentioned Benefits as something they love about GoCo.
35%
Reviews Mentioning Benefits
Learnings
Building Benefits was a multi-year journey of learning how to make complex use cases simple to use in software.
The amount of rules, regulations and complexity involved in building Benefits is almost immeasurable. Over the years we learned how to read and understand complex insurance documents and regulations, then translate them into features that were easy for users to interact with.
These are just some of the topic areas I've learned when building Benefits:
Eligibility Rules: who can enroll in what plans, and when they can enroll.
Contribution Rules: what amount does the company pay for benefit plans?
Plans: what plans are offered, how are their rates calculated?
Riders: what add-ons can be added based on plans / carriers elected?
Dependencies: you can only enroll in this benefit if you have another benefit
Enrollment Forms: making sure the correct carrier forms where completed
Evidence of Insurability: provide evidence to carriers to enroll in some plans
Life Events: what scenarios allow for changes to an employee's benefits
ACA & COBRA Compliance: making sure the company is compliant
Carrier Integrations: sending enrollment data to legacy carrier systems
Benefit Preview Links: share a benefit preview link to hire prospects
Payroll Deductions: calculate deductions based on benefit and payroll rules
Passive Enrollments: carry over last years enrollments if no action is taken
Benefit Sync: aggregate all enrollment changes and sync them to carriers
Partner Tools: make it easy for benefit partners to manage benefits
