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Employee benefits are most effective when they’re not just understood, but easy to find and use.

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Post-pandemic, 80% of job seekers believe employers need to re-evaluate their benefits offerings. And beyond those looking for their next opportunity, 37% of full-time employees reported being either ‘dissatisfied’ or ‘very dissatisfied’ with their employer's benefit offerings. So, why are employer health plans underwhelming job seekers and full-time employees? 

It starts with cost. 

The leading reason is that coverage is too expensive. Close behind, half of people said that coverage is often inadequate. Further complicating matters, employees feel they don't have enough options for in-network care, their out-of-network costs are too high, and their employer's health plan is all-around too confusing. 

Long story short, for many employees still taking it day-by-day post pandemic, employers are still coming up short in their benefits offerings.  

It doesn't have to be this way.  

What if employees had tools to help them better navigate their benefits experience? And what if those tools also reduced employers' overall medical spend by connecting employees directly to the care they need?  

Not only would this improve health outcomes, employee retention and overall satisfaction would increase, helping everyone have a better handle on all the resources available to them. 

Businessolver's Activation Paths, a solution within the Personalized Navigation suite, can enhance the employee benefits experience by providing multiple touch points along their benefits journey, reducing confusion surrounding employer benefit programs. 

Curious what an employee’s experience with Activation Paths look like? 

Meet Matthew.  

He's 52 years old, and some bad health habits are catching up with him.  

His diet of fast food combined with his sedentary lifestyle led to weight gain and, in turn, a trip to the cardiologist's office.  

At the office, his doctor provides him with new prescriptions, has him undergo several rounds of screenings, and schedules him to return for follow-ups every three months. 

Matthew hasn't needed chronic care in the past and feels overwhelmed thinking about all the ways in which his life might change. He isn't in the habit of managing his health with multiple providers and barely knows where to start. 

Hoping for some clarity, he logs into Benefitsolver® to see what kind of coverage he has to help cover the looming costs. Once there, he looks over his doctor's appointment summary. Noticing SofiaSM, our AI-powered personal assistant, conveniently on the side of the screen, Matthew decides to first ask...  

"Are prescriptions HSA eligible?"  

Sofia explains that he can use his HSA dollars to cover qualified health care expenses, and she lists various examples of what those qualified health care expenses are. 

Knowing that he can use his HSA to cover his new prescriptions or unexpected appointments, Matthew now has an interest in his HSA balance...

"What is my HSA balance?"

Sofia tells him that he has $1,500 in his account, linking to resources with other applicable information like the Consumer Accounts page within Benefitsolver. 

Finally feeling more confident and engaged in his own health journey, Matthew wonders what other support might be available...  

"Help with finding care?"  

Sofia brings forward a care navigation solution from one of our Pinnacle Partners™ that is free of charge to Matthew. She instantly provides links their website and phone number, so that he can contact the care navigator however is most convenient for him. 

After clicking through to their website, he connects with a health assistant who advises him on his new diagnosis and corresponding medications. Now that he is connected, Matthew communicates with his health assistant directly through their mobile app, making it easy for him to connect whenever and wherever he needs.  

Suppose Matthew needs to make a lab appointment or see another specialist. In that case, his care navigation partner is there to help him every step of the way, ensuring he understands his options, makes the best choice for his health and avoids unnecessary costs. 

So, even with a new and maybe scary diagnosis, Matthew will be supported and encouraged as he begins his journey to better health. His care navigation Activation Path provides a better health outcome and helps him sort through his next steps without worry. 

Sofia’s impact on employee benefit utilization 

In this example Matthew asked Sofia about finding care and had an idea of what he needed. Not every employee knows what they're looking for so they can ask the right questions. Sofia takes care of this problem. She's proactive, connecting employees with their employer's available point solutions. 

In fact, only 20% of point solution clicks are due to a member explicitly requesting information about a point solution. Meaning 80% of click-throughs to specific point solutions come from Sofia recommending a relevant solution. 


For more examples of how Activation Paths help drive benefit utilization and better member health outcomes, check out the Personalized Navigation suite of solutions. 

View all Posts by Sherri Bockhorst