The employee benefit selection process is more complicated than ever. The increasing prevalence of the high deductible health plan adds even more complexity to an already complicated process. Without reliable, quantitative guidance, employees could make benefit selection decisions that don’t meet their needs.

Health Plan Assist® (HPA) is an innovative, web-based product that educates employees about the financial aspect of the benefit selection process. Each HPA user is provided a customized estimate of out-of-pocket and premium cost for medical, dental, and vision plans available to them through their employer.

The tool uses basic information about the employee and his or her family in conjunction with the employer’s specific benefit plans to offer clear data. HPA users can:

• Benchmark estimated utilization against national averages
• Estimate out-of-pocket and premium costs to ensure better financial planning
• Compare medical, dental, and vision plans offered by the employer
• Determine how much money to set aside in a healthcare savings account, flexible spending account, or personal savings account
• HPA combines an easy-to-use tool with Milliman’s Health Cost Guidelines™, which is the most comprehensive healthcare data and methodology in the industry. Every day, health insurers, managed care organizations, and other risk-bearing entities rely on Health Cost Guidelines for accurate estimates of healthcare utilization and claims costs.