Partnership Solutions

The Benifex platform, OneHub, helps more than 2.2 million employees over 900 organizations across 82 countries to run all their employee benefits in one place. It’s easy, intuitive, and helps customers deliver a truly personalized employee experience. The Benifex solution combines an award-winning mobile and web-based application with an integrated Communications Manager to help members better engage with important internal messaging. Benifex is a fully-fledged, global employee experience provider.

Together, we:

• Support an employee’s selection of benefits to ownership of their health. Whether they are based in the US, or internationally, they can access all the tools and navigation they need to be improve their total well-being.
• Change the way employees interact with their health. You can trust that we will always be one step ahead.
• Have a passion for creating technology that puts employees first. Our organizations have developed communication systems that personalize the benefits experience to get them the information they need, when they need it, to ultimately drive maximum engagement of your benefits programs.

Calibrate is the only program delivering medically-supervised obesity care with guardrails around obesity medication use and claims spend. Calibrate ensures the right members receive the right medication for the right amount of time—to drive significant, sustainable outcomes. Through medication access management and intensive lifestyle intervention, Calibrate controls healthcare expenses while providing your employees and their adult dependents an effective solution to transform their health and achieve their weight-loss goals.

Why Calibrate:

• Calibrate delivers clinically significant weight loss in as little as two months.
• The program offers personalized care that is tailored to each individual’s needs and lifestyle.
• The average sustained weight loss is 15%, which drives down healthcare claims costs for employers.
• Calibrate provides a valuable benefit that leads to increased retention and happier, motivated employees.

Carrot is the leading global fertility care platform, serving people of every age, race, income, sex, sexual orientation, gender, marital status, and geography. Trusted by hundreds of multinational employers, health plans, and health systems, Carrot’s comprehensive clinical program delivers industry-leading cost savings and award-winning experiences for millions worldwide.

The level of employee engagement on the Carrot platform is impressive. Engaged members have an average of 40 touchpoints per year across their educational resources, provider recommendations, expert chats, and virtual group sessions.

Why Carrot:

• Personalization. Carrot provides exceptional member service tailored to each individual’s needs through personalization, precision, and empathetic experiences.
• Accessibility. Carrot provides dedicated support for members via the Carrot platform, Carrot app, and phone lines in 10+ languages with support for more than 130 countries.
• Satisfaction and simplicity. Benefits continue to be a top reason employees join or leave an organization. Carrot boasts 95% of employee members who use Carrot said they are more likely to stay at their current company. Carrot’s education is clinically vetted, meaning Carrot members can be assured they’re receiving safe, trustworthy, and robust support.
• Superior outcomes. Carrot’s programs are rooted in clinical expertise, led by a team with over 200 years of experience in fertility and related care. Carrot’s validated outcomes drive cost savings and improve health literacy. Carrot’s 93% single embryo transfer (SET) rate is the highest of any fertility benefits solution.

For the 3 in 4 employees caring for others—or struggling with their own care needs—Grayce is the only complete, end-to-end family care solution, allowing your talent to thrive at work without compromising on their obligations at home.

Grayce’s comprehensive approach addresses the complex and diverse needs of modern families worldwide, in over 250 languages. From managing medical needs and legal complexities to providing emotional support and practical assistance, Grayce covers it all.

Our personalized technology platform is enhanced by 1:1 support from master’s degree-level Care Partners, who provide expert guidance and extensive concierge services to take the burden off your employees. No matter how simple or complex the need, our flexible pricing options guarantee the best value for employers for the right-fit level of care for their employees.

Why Grayce:

• Solution-oriented: No other care solution matches the depth of support provided by our master’s degree-level Care Partners, informed by 10+ years of experience in the field.
• Personalized: Grayce’s tech platform meets employees where they are, tailored to their preferences, from concierge services to self-serve benefits, events, and resources.
• Integrated: Grayce makes full use of your existing benefits ecosystem, increasing appropriate utilization of relevant programs by 58%.
• Global: Grayce supports families in more than 30 countries and 250 languages, with more than 30% of support currently delivered outside the US.

HALEO is a virtual care sleep clinic whose mission is to provide access to professional, clinically-proven solutions for those suffering from insomnia or other sleep problems. HALEO helps organizations minimize the impact of poor sleep on Productivity, Disability and Health and Safety. HALEO is designed to save employers money by keeping their people at work, with fewer injuries, fewer errors, and more focus. Our solution helps retain employees, while significantly reducing dependency on prescription sleep medication and risks related to short and long-term disability leave. HALEO believes that everyone deserves a high quality of life, and in fact, HALEO stands for health adjusted life expectancy optimized, and ultimately helps people lead better lives.

Why HALEO:

• HALEO offers professional and personalized one-on-one treatment for insomnia and poor sleep, providing an avenue for better sleep.
• HALEO is 100% online, and with integration through Benefitsolver, employees have streamlined access to their benefits, all in one place.
• Well-rested employees mean less healthcare expenses and a greater ROI—employees with poor sleep miss work more often, have more incidents, and have poorer productivity and performance than those who sleep well.
• HALEO’s cognitive behavioral therapy for insomnia (CBT-I) is the gold standard of treatment, and can improve sleep quality and employee performance.
• HALEO’s proprietary shiftwork program is the only one of its kind, making HALEO a leader in the field of sleep.

Hello Heart is the recognized market leader in empowering people to understand and improve their heart health using technology. Leveraging AI and data-driven insights, the app-based solution is not only fun-to-use and habit-forming, but can predict serious heart health issues before they occur.  Dozens of the largest Fortune 500 employers are realizing best-in-class results for enrollment and ongoing engagement, clinical outcomes and cost savings.  Hello Heart is a member of the American Heart Association’s Innovator Network and is part of the CVS Point Solutions Management Program.

Hello Heart’s flagship hypertension solution includes a smartphone app that pairs with an FDA-approved blood pressure monitor and cuff. It helps people manage their blood pressure, medications, and activity using AI-based technology. Users track key health metrics, receive personalized feedback, and take steps to improve their health with clinically proven suggestions, all through the convenience of their smartphone. Hello Heart’s solution enables users to quickly identify a hypertensive crisis or irregular heartbeat before it becomes a catastrophic cardiac event.

Together, we:

• Make managing your health easier than ever with simplified experiences from Benefitsolver to Hello Heart so that your employees never question what do next on their benefits and health journey.
• Make managing your health easier than ever with simplified experiences from Businessolver to Hello Heart so that your employees never question what to do next on their benefits and health journey.
• Understand that solutions can only make an impact when your workforce is engaged. Hello Heart and Businessolver are committed to driving your employees through an omni-channel experience that meets them where they need to be met.
• Understand the importance of best-in-class digital technologies which is why our mobile applications are focused on what your consumers need with seamless integrations to drive your employee to the next step in managing their heart health.

Claritev is a technology company that believes data is essential to understanding risk. They understand that the most successful risk-bearing entities will exponentially increase the use of technology and tools to identify, measure, and mitigate their risk. For HR professionals, it’s crucial to enroll employees in the most effective health plan. This ensures employees are covered when needed, and the employer’s money is wisely invested. Claritev is their partner in providing a solution to this challenge.

Why Claritev:

• Claritev’s optimized system is 10-15 percent more accurate than actuarial science techniques.
• Historical utilization can be accessed via API for up-to-date information within the MyChoice Recommendation Engine, which helps employees estimate their medical costs based on previous year’s claims during enrollment.
• Claritev provides powerful data warehousing capabilities, including access to multiple standard and ad hoc reports, and detailed data analytics to inform employers of how their health plans are performing through regular, automated reporting.
• Risk scores through Claritev analytics help identify future risks, cash flows, clinical risk, disease progression, and more, allowing plan sponsors and administrators to improve their understanding of what has happened historically, use it to predict significant future trends.
• Plan Optimizer takes predictive modeling further, by recommending medical plan designs tailored to the specific healthcare needs of the employee population, taking into account future predictions about population health and financial shifts to contain costs and maintain quality of care and benefit levels.

PTO Exchange is a cloud-based platform that offers an innovative solution to help employees use their unused vacation time by exchanging it for monetary benefits and other valuable options such as charitable donations, life planning accounts, and travel plans. The platform aims to address the needs of a multi-generational workforce, providing them with the freedom and flexibility to spend their hard-earned benefits as they see fit. PTO Exchange differentiates businesses and offers a flexible tool for HR and Finance. It does not require increased spend from HR leaders and reduces liability for finance teams. PTO Exchange aims to benefit both employees and employers in a new era of office culture with an emphasis on employee wellness.

Why PTO Exchange:

• HR professionals use employee benefits as a recruitment and retention tool to attract and retain talented employees.
• Paid time off (PTO) is a top priority and point of negotiation for new hires, and it is also valuable for most employees.
• PTO Exchange can help reduce accrued PTO liabilities, provide benefits flexibility, and help employees receive the full value of their well-earned PTO compensation.
• Strengthening community is a board-level topic—it’s becoming increasingly important at every level from C-Suite to Admin. PTO Exchange recognizes this and has helped facilitate charitable contributions to over 1.2 million organizations.
• Many companies cap the amount of PTO that employees can accrue, and PTO Exchange can help reclaim lost PTO by turning it into a liquid asset that can be used for other purposes.

Rightway is the leader in driving healthcare value for everyone, everywhere. Its care navigation platform guides members to the highest quality care and medication, leading to better care and happier people at a lower cost. Using the mobile app, employees connect with live, clinical health guides who assist them with all their healthcare needs – from finding a great doctor to creating a care plan, from support on billing issues to benefits education. Companies choose Rightway for its smart clinical navigation, best-in-class technology, and lightest implementation lift, all resulting in higher ROI for clients and happier, healthier employees.

Together, we:

• Understand that healthcare is complex enough, with this partnership we are simplifying how employees engage with their benefits and the programs that help them navigate through the healthcare landscape, ultimately with ease.
• Know that while a simplified experience is important, the power behind the experience is anything but simple. Rightway and Businessolver use deep analytics and data to drive the most healthcare value for the employee.
• Believe that empathy is critical when employees are seeking the right care, which is why empathy is built into everything we do, including how our technology is built to the trusted guidance and advocacy we provide.

Due to sedentary lifestyles, repetitive motions, or stress and overexertion, approximately half of American employees are experiencing musculoskeletal issues. Sword Health provides individual access to virtual care, helping people manage pain and even prevent costly surgeries. These no-cost programs have an impressive 84% weekly completion rate, with the majority of members reporting improvement from back pain, joint stiffness, and general musculoskeletal discomfort.

Together, we:

• Connect employees to high-quality providers and personalized programs.
• Use the latest innovative technologies to guarantee pain reduction.
• Deliver superior results, proven to help members more than in-personal physical therapy.
• Build unique exercise plans, designed by doctors to create incremental and lasting change.

Products offered:

• Clinically-validated telehealth programs.
• Currently the only FDA-approved digital solution.
• Licensed physical therapists dedicated to member care.

Transitions is a national organization that provides education and enrollment services that address the needs of your aging workforce and sandwich generation employees. We deliver a proactive approach to educate on topics ranging across Medicare options, Social Security planning, Retirement Readiness, COBRA alternatives, and retiree group healthcare chassis to help reduce your risk exposure and overall healthcare spend.

Transitions serves over 550 clients ranging in size from 500-75,000 benefit eligible employees, across every industry classification, and in every state.

Why Transitions:

• Compassionate: Transitions has saved time for employees of the sandwich generation, or those that are typically caregivers of their aging parents, from having to search for answers alone, and therefore increase productivity.
• Secure: Transitions prides themselves on being compliant around DOU CMS/IRS/MSP regulations. This means clients can mitigate risk by deferring to Transitions to be their trusted resource to handle complex situations that can create significant liability for employers.
• Efficient: HR and Benefits departments save time by partnering with Transitions to answer questions related to Medicare, COBRA, retirement planning and more.
• Valuable: Transitions has saved members thousands of dollars by making them better-informed healthcare consumers, aiding with the confusion of costs, and being their advocate in difficult situations. While Organizations can avoid cost and risk pool mitigation, often leading to a return on investment.

Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When an insured gets sick or hurt, Aflac pays cash benefits promptly, for eligible claims, directly to the insured (unless assigned otherwise). For more than six decades, Aflac supplemental insurance plans have given insureds the opportunity to focus on recovery, not financial stress.

Together, we:

• Commit to delivering superior products and services with comprehensive technology solutions, exceptional customer service and compassionate claims administration.
• Collaborate to drive employee education and engagement, providing your workforce with the benefits they need through powerful tools grounded in innovation.
• Deliver a simplified implementation process and integration, combined with products that are straight-forward to enroll and administer, which ultimately creates a best-in-class experience for employer and employee alike.

Available products:

• Group Critical Illness
• Group Accident
• Group Hospital Indemnity

Available through additional integrations:

• Group BenExtend
• Group Life and Disability
• Network Dental
• Network Vision

Allstate Benefits is a leading provider of employee benefits, committed to delivering superior products and services with cutting-edge technology, exceptional customer service and compassionate claims administration.

Together, we:

• Are committed to delivering superior products and services with comprehensive technology solutions, exceptional customer service and compassionate claims administration.
• Enable brokers, employers and employees to more easily access the Allstate Benefits portfolio of top-rated products.
• Streamline the implementation process through advanced connections, leading to cost-savings and value-added efficiencies.

Products offered:

• Accident
• Critical Illness
• Cancer
• Hospital Indemnity
• Disability
• Indemnity Life

Your workforce deserves to feel safe, confident and secure in their personal and professional lives. But the digital footprint that now exists for the vast amount of your workforce may leave them vulnerable. Allstate Identity Protections is more dedicated than ever to helping people safeguard their data, identity, and most of all, their privacy.

Together, we:

• Define innovation by providing employees with intelligent technology as they enroll in benefits and put them to work.
• Deliver service to provide a streamlined implementation process that removes the headaches for you and ensures your employees have the help they need, when they need it most.
• You can rest assured that we are committed to protecting you and your employees’ data throughout the benefits process and beyond.

Cigna is a global health service company dedicated to improving the health, wellbeing and peace of mind of those we serve. Cigna delivers choice, predictability, affordability and access to quality care through integrated capabilities and connected, personalized solutions that advance whole person health.

Together, we:

• Provide access to employee benefits through an engaging, retail-like experience.
• Deliver value to employers and their employees, helping to improve their health and control costs.
• Offer broad, integrated capabilities that maximize value, affordability, and choice for our customers and clients.

Products offered:

• Medical
• Dental
• Vision
• Behavioral Health
• Pharmacy
• Life
• Accidental Death & Dismemberment
• Disability
• Accidental Injury
• Critical Illness
• Hospital Care

The Hartford is a leader in employee benefits, protecting more than 20 million Americans¹ with its innovative products and services. Its flexible plan designs, administration model and value-added services offer employers and employees a seamless customer experience.

Together, we:

• Maximize favorable benefits and enrollment experiences for employers and employees at every step, with a dedicated service team to ensure all goes smoothly, end-to-end.
• Leverage technology to offer seamless integration of flexible, innovative products and services within the Benefitsolver platform.
• Increase engagement and participation by speeding eligibility decisions, customizing employee decision-support and education tools, tailoring communications strategies for client needs, and delivering a compassionate claims experience.

Products and services offered:

• Life Insurance
• Standalone Accidental Death and Dismemberment (AD&D) Insurance
• Disability (Short-term, DisabilityFLEX^® and Long-term) Insurance
• Accident Insurance
• Critical Illness Insurance*
• Hospital Indemnity Insurance
• Leave Management Services

Lincoln Financial Group provides advice and solutions that empower people to take charge of their financial lives with confidence and optimism. More than 17 million customers trust their retirement, insurance and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses.

Together, we:

• Streamline the implementation process through advanced connections, leading to cost savings and value-added efficiencies.
• Maximize the enrollment experiences for employers and employees, with a dedicated service team to ensure all goes smoothly, end-to-end.
• Drive employee education and engagement, providing your workforce with the benefits they need through powerful tools grounded in innovation.

Products offered:

• Short & Long-Term Disability
• Leave Management
• Dental
• Vision
• Term Life and AD&D
• Group Accident
• Group Critical Illness

MetLife is among the largest global providers of insurance, annuities, and employee benefit programs with a purpose to help customers navigate life’s twists and turns.

Together, we:

• Deliver superior support through dedicated resources with deep benefits expertise, ensuring a flawless benefits administration experience.
• Create flexible solutions backed by advanced integrations making the enrollment and administration of voluntary benefits easier than ever.
• Are committed to collaboration that drives employee education and engagement, providing your workforce with the benefits they need through powerful tools grounded in innovation.

Products offered:

• Dental
• Vision
• Short & Long Term Disability
• Life
• AD&D
• Legal
• Accident Insurance
• Hospital Indemnity
• Critical Illness
• Cancer Insurance
• Pet Insurance

Pets Best is a top-rated pet insurance agency that was started by a vet who understood the value of the bond we create with our pets.

Together, we:

• Offer a fully integrated product on the Businessolver platform, where employees can elect pet insurance coverage along with their important health and wealth benefits in one place.
• Deliver flexible coverage, fast claims processing and personalized service for customers.
• Reduce disruption during the enrollment process with innovative API connections that get your pet covered in near real-time.

Products offered:

• Customizable Accident and Illness plans.
• Optional routine care coverage.

Prudential believes that financial security should be within reach for everyone. And they measure success on delivering a wide range of solutions with a smarter, seamless experience that meets customer’s changing needs.

Together, we deliver:

• Modern Experiences: By leveraging advanced connections, we provide smoother, real-time, and personalized interactions for a better experience.
• Greater Efficiencies: We offer a broad range of financial protection solutions with a streamlined administration to help take work off your plate.
• Better Outcomes: Our partnership helps you maximize value by reducing administration and increasing employee engagement and appreciation with your benefits program.

Products offered:

• Life and Accidental Death & Dismemberment
• Short-Term Disability
• Long-Term Disability
• Accident
• Critical Illness
• Hospital Indemnity

Recoop is the first and only multi-peril disaster coverage that quickly pays a lump-sum cash benefit (up to $25,000) after a natural disaster: hurricane (with storm surge), wildfire, tornado, earthquake, gas explosion, winter storm or dust storm. It’s the really affordable, really flexible recovery cash that helps you bounce back faster.

Together, we:

• Provide established connections and a simple product that is straightforward to enroll, administer and use, creating a best-in-class experience for employer and employee alike.
• Innovate with a first-of-its-kind product and an integrated digital experience from implementation to claims.
• Are committed to providing an affordable product that is an essential piece of any financial wellness plan, offering protection when it’s needed most.

At Securian Financial, we’re here for family. With more than 100 years of experience in the group life and voluntary insurance market, Securian Financial has the expertise to recommend solutions that enhance employee benefit plans and ultimately give families the confidence to focus on what’s truly valuable: memories with those who matter most.

Together, we:

• Proactively increase benefit education and participation through our integrated benefits enrollment and management experience backed by a dedicated team.
• Work flexibly and transparently to help you identify the right path forward, improving efficiencies, enhancing employee and beneficiary experiences and delivering personalized service with each program.
• From products to technology we are thoughtful; strategically building differentiators. We evolve and adapt your voluntary suite within our technology to keep you at the top of your game.

Available products:

• Group Critical Illness
• Group Accident
• Group Hospital Indemnity

Products offered:

• Term Life
• Universal Life
• Accidental Death & Dismemberment
• Accident Insurance
• Critical Illness
• Hospital Indemnity

A leader in retirement plans and employee benefits, Transamerica works to help employee care for their health, while helping to protect their finances and quality of life.

Together, we:

• Enhance benefit elections by bringing retirement and employee benefits in one spot for employees to enroll.
• Adapt data analytics to offer customizable solutions and services within the Benefitsolver platform to help employers control healthcare costs, improve the implementation process, and simplify benefits administration.
• Help increase employee engagement with decision support and recommendation tools, and provide a top-notch customer experience when employees need it most—at claim time.

Products and services offered:

• Retirement
• Universal Life Insurance with Living Benefits
• Accident Insurance
• Critical Illness Insurance
• Hospital Indemnity Insurance
• Cancer Insurance
• Short-Term Disability Income Insurance

Voya Financial helps Americans plan, invest and protect their savings through a variety of insurance, investment and retirement savings products so they can retire better.

Together, we:

• Offer a suite of technology-friendly, guaranteed-issue supplemental health insurance products that are built in Benefitsolver much like core plans, allowing Businessolver clients to include these as part of the MyChoice Recommendation Engine experience.
• Create an improved member experience for Life and Disability products where EOI is required, leveraging real-time EOI integrations and creating a clean, simple EOI process for the employee.
• Improve the implementation process by leveraging best-in-class processes and established connections, which creates efficiencies and cost-savings for our mutual clients.

Products offered:

• • Critical illness
  • Hospital indemnity
  • Accident insurance
  • Life
  • Disability