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6 Signs of a Lousy Health Benefit Experience

The employee health benefit experience may be the most impactful experience for your organization. It can affect your bottom line, productivity, employee retention, and recruitment. Yet, there’s often a disconnect between how employers are architecting the experience and how employees are interacting with their health benefits.

But, just how bad is that disconnect? A new Harvard Business Review Analytics Services report scheduled for release in early September will explore in full what this divide looks like. But, we’ve uncovered a few data trends from the report to identify what the biggest indicators are of a lousy health benefit experience. 

1. Employees are unable to access their benefit resources anytime, anywhere. The survey of over 239 organizations found that 63% don’t believe employees know how to leverage their available benefits. Having benefit resources readily available via their phone or laptop can essentially solve this. This includes everything from their medical card to their wellness benefits. When employees are experiencing a health event, they shouldn’t have the added stress of locating important benefits information.

2. There’s no simple way for employees to view their benefits elections post-enrollment. This is likely why only 28% of organizations say their employees actively engage with all of the benefits that are offered to them. If employees aren’t able to easily view what they signed up for, it’s likely your organization isn’t getting the most out of their benefits investment.

3. HR is stuck fielding benefits questions. The survey also discovered that 67% of organizations have HR departments that are routinely answering benefit questions. An optimized health benefit experience should offer educational resources and 24/7 support for employees to eliminate frustration and overworked HR teams.

4. Health outcomes are stagnant or on the decline for your employee population. Poor benefits knowledge and engagement can ultimately lead to declining health outcomes. Health outcomes can improve for employees when they receive proactive, personalized recommendations for their health journey. A modern health benefit experience will take it one step further by also providing easy access to services and products that can improve health.

5. Employees may be in the dark about their potential health risks. At 69% of the organizations surveyed, cost savings is a driving factor in adopting new health benefit technology. A modern health benefit experience has the capacity to drive down claims costs by warning employees of their health risks, allowing them to make lifestyle changes before a medical event occurs.

6. Managing benefits is a multi-step and confusing process. Only 10% of the organizations surveyed offer employees a single system for learning about and leveraging the full range of benefits available to them. Rather than requiring employees to jump through hoops to schedule a doctor’s appointment, manage claims or understand their medical bills, employees should have one, simple platform to do it all.

Looking for a bigger sneak peek at the Harvard Business Review Analytics Services report findings? We’ve got you covered. You can download the full executive summary here. Stay tuned for the full report in early September.

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