BenefitCompare User Guide for Agents/Brokers

To begin using BenefitCompare, you will need to register.  You can start this process by clicking on the green “Free Trial Signup” button.

Proceed to enter your First Name, Last Name, Company Name, Email Address, and then create a Password.  You will receive this message (below) once completed and can “click here” to continue.

Then log in with your newly created username and password.

Choose the “+new client” button and then add the census for the group you’re quoting.

Click on “New Company” on the top left corner to fill in the company profile details.

Now you can edit the the information about your company.

Click next to start filling out your census.

To add a census, you can do this in one of 3 easy ways: by importing a File, using the Clipboard (Copy-and-paste census fields directly from a spreadsheet or text file), or you can manually type/enter the Census of employees.

If you choose to type the information yourself, you will enter the employee’s first name, last name, date of birth, zip code, and email. 

If you have employees with dependents, click on the “Dependent +” button on the menu to the left. Each employee’s dependent will need to be added in the same format – dependent’s first name, last name, date of birth, zip code, and email. Use the indent and outdent function to toggle between employee and dependent.

Select Current Plan:

You will then have the option to “Select [their] Current Plan” by clicking the link to the right of each employee/dependent.  This will provide a point of reference when comparing/viewing other plan options.

The health plan options may seem daunting, but you can “unselect“ the checkboxes and select exactly what they currently have: 

  • Carrier
  • Market
  • Plan Type
  • Metal Tier

You can choose to select one plan if all employees are on the same plan or you can individually select each health plan for each employee.

Once you have the company’s employees entered (and dependents, if applicable) and select their current plan, you will select “next” to move to the next screen.

Create a Portfolio of plans for your client.  

Creating a Plan Portfolio

You have complete flexibility to create a portfolio of products for your client to review.  Employees ultimately choose their plans from the portfolio which you compile, so you may want to offer a few diverse options to suit varying needs.

You can choose as many plans as you want for the quote.  Think about adding an HMO, PPO, and HSA option for the client to view the benefits and cost options.  

You can change the carriers you view by clicking on “All Carriers” and electing the carrier(s) you would like to view to narrow down the options (since there are over 400 plans to choose from).

Rate Adjustment

After you’ve selected the plans of your choice. BenefitCompare will configure the rate adjustment.

On the left side, you will be able to see if there are any conflicts with the plans that you have chosen. If there are red crosses on any plan, this indicates incomplete rate data and you will need to remove that plan or replace it with one that is valid.

Now, set a monthly premium percentage contribution for your client’s employees.

Budgets and Contributions

Allocating Dollars to Employees

One of the strongest features of BenefitCompare is the budgeting (cost sharing) tool which provides for premium contributions which are reflected across all reports.

You can choose what percentage the employer pays for the employees and dependents.  Once you do this, click the employee link to change the contributions for the employees and dependents.  You can change this as much as you want so the client can get a feel for the cost options. 

Additionally, you can click on “your current plan premium” to toggle between your current plan, pick a plan, or as a percentage of any plan.


After the budget configuration, BenefitCompare will compile all of your information into a user friendly report.

All the plans that have been chosen will be displayed side by side for comparison. The deductible, maximum, copay, coinsurance, and pharmacy copay will be displayed adjusted for contribution. The member premium section will display the employees’ and dependents’ contributions.  Here you can add more members as needed. 

Click on any of the names and an estimated minimum, maximum, and average of each of the plans will display.

The “Benefits Budget” section will display the total premium cost, the employer contribution, and the employee contribution. Use the slider on the right to adjust the percentage of contribution by both parties.

Finally, unique to BenefitCompare is the Claims Model. This graph displays your best option including the probability of Low, Medium, and High usage of the plans regardless of how many employees are under said plan. Then it calculates the likelihood of one, two, or multiple claims. Using this information, the graph will display which plan is the best option at various claim levels from zero to high.

Access Codes for Employee Profile Questionnaire

At any point in the process, you can click the HOME button (bottom left of page) and then click on the company you’re currently working on, and it will display the list of employees in the census and the access code assigned to each employee.  You (the agent) can provide these access codes to the employees or give them to the Employer to give to his/her employees for when they log on to to complete the questionnaire.

Having employees log in and fill out their own anticipated medical claims history will allow BenefitCompare to make recommendations based on their own personalized needs (health and budget).  They will be able to view the amount that their employer is contributing, along with the plan options available to them.  If they have any questions, there is another User Guide available for Employees (available on our Help resource page and on our Blog:, video instructions, and many more help resources listed on the site.

NOTE:  If the employee logs in with their Access Code, filled out the profile questions, and added a plan to their Cart from their list of recommended (or other) plans offered, it will display their selection when you are logged into your broker account and viewing that company overview.  It will show to the right of the employee’s name under “Selected Plans”.

Help Resources and Customer Service

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