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Benefits Administration That Employees Actually Understand

Machine-learning recommendations help your team choose the right benefits, reducing HR questions, improving enrollment satisfaction, and making open enrollment something other than a source of annual dread.

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What It Does

VisualPAY’s benefits administration draws on billions of external data points, including aggregated medical claims data and provider networks, to give each employee personalized plan recommendations. Employees take a short survey describing their health situation and coverage priorities, and the system generates bundled recommendations that balance cost and coverage for their individual circumstances.

The scale of the open enrollment problem is larger than most HR teams realize. In a survey of over 2000 HR leaders, sixty percent describe their open enrollment process as just ‘tolerable.’ Employees who have a poor enrollment experience report they would consider leaving for a new job, making benefits administration not just a compliance function but a retention risk. VisualPAY’s machine-learning approach addresses both problems simultaneously: employees make better decisions, and HR teams field fewer repetitive questions.

Beyond open enrollment, VisualPAY’s benefits administration handles year-round qualifying life events, carrier integrations for real-time eligibility confirmation, and detailed reporting on enrollment rates, plan selection patterns, and cost exposure. Benefits administration in VCS HR is not a once-a-year event, it’s an ongoing HR function that’s managed continuously in the same platform as payroll and HR records.

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How It Works

Step 1: Employee Completes a Short Benefits Survey

During open enrollment or at the time of a qualifying life event, employees complete a brief survey that captures their health situation, their family coverage needs, their preferred trade-off between premium cost and out-of-pocket exposure, and any specific provider or medication requirements. The survey takes minutes and requires no prior benefits knowledge to complete.

Step 2: Machine Learning Generates Personalized Recommendations

VisualPAY’s benefits engine analyzes each employee’s survey responses against a massive dataset of medical claims, provider networks, and plan cost structures to generate a ranked set of plan recommendations. Each recommendation comes with a clear explanation of why it fits the employee’s situation, in language employees can actually understand, not insurance jargon.

Step 3: Employee Enrolls, HR Manages the Rest

The employee selects a plan from their recommendations and enrolls with a few clicks. The enrollment is confirmed with your carrier in real time. HR administrators see enrollment status across the organization in a live dashboard and can identify employees who haven’t completed enrollment before the deadline without manually tracking spreadsheets.

What's Included

  • Machine-learning benefits recommendations personalized for each employee based on their individual health situation and coverage preferences.
  • Short employee survey that captures the inputs needed for accurate recommendations, no benefits literacy required.
  • Carrier integration for real-time eligibility and enrollment confirmation, no manual carrier feeds or file exports.
  • Year-round life event support for qualifying changes, marriage, birth, loss of other coverage, with automated enrollment windows.
  • Reporting on enrollment rates, plan selection distribution, and cost exposure across the organization.
  • Employee self-service enrollment portal accessible from any device, desktop, tablet, or smartphone.
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Business Impact

60% of HR Leaders Call Open Enrollment 'Just Tolerable': VisualPAY Changes That

Machine-learning recommendations transform open enrollment from a source of employee confusion into a guided, confident decision-making process. HR teams that implement VisualPAY benefits administration consistently report a significant reduction in employee benefits questions during and after enrollment.

Enrollment Completion Rate

Employees who receive personalized recommendations complete enrollment at higher rates and within shorter time windows than employees navigating plan options without guidance, reducing the last-minute enrollment scramble that HR teams manage every year.

HR Time Saved on Benefits Questions

By reducing the volume of repetitive employee questions during open enrollment, VisualPAY's benefits administration returns meaningful time to HR teams, time that can be redirected to the strategic HR work that actually requires human judgment.

Related Features

Onboarding & Off-Boarding

Benefits enrollment is triggered automatically at the close of the onboarding workflow for new hires.

Compliance & ACA Administration

Benefits enrollment data feeds directly into ACA eligibility tracking and 1095-C generation

VisualEVENTS

Schedule and manage open enrollment information sessions and benefits fairs using VisualEVENTS.

Ready to See It in Action?

Talk to a VCS HR specialist and get a tailored walkthrough of this feature within your specific workflow and industry context.

Call us today 888-864-4144