For Ben Admin and HRIS leaders
Built to connect with leading Ben Admin and HRIS platforms.
EOI Exchange is orchestration, not replacement. The platform keeps its enrollment experience. EOIX connects the underwriting layer to the platform the leader already runs. The carrier keeps every underwriting rule. The platform gains the completion path it has been losing to paper.
The platform-side problem
The integration governance gap nobody owns today.
Each carrier ships rules into the platform. No central system reconciles them. The cost lands as completion-rate drag, post-enrollment cleanup, and exception calls.
Carrier rules arrive in a binder.
Above-GI logic, grandfathering, payroll deduction rules, and EOI triggers each live in a different document. The platform configures from those documents, but no central system reconciles what each carrier expects. Exceptions surface during open enrollment, not before.
EOI breaks where the intent dies.
An employee elects coverage above the GI floor inside the platform's enrollment flow. The platform hands them off to a paper EOI process the carrier owns. Most never come back. Completion rates drop. The platform takes the support load for a workflow it does not control.
Write-back lands late or not at all.
When an EOI eventually completes, the carrier-side approval needs to land back inside the platform's enrollment record. The post-enrollment cleanup is real engineering work the platform absorbs every cycle.
No centralized governance view.
Implementation teams have no single view of where each carrier's rules sit. Findings get shared by email. Audit trails are reconstructed after the fact.
Where each carrier's rules sit, with no single view of it today
- Pending
- In Review
- Validated
- Exception Identified
- Retest Required
- Certified for Launch
The connectivity layer
Six surfaces, one connected workflow.
EOIX orchestrates these six surfaces so the underwriting decision reaches the enrollment record in real time. The platform side is API only. The platform UI does not get rebuilt.
HRIS Platforms
Identity, demographics, and the employee record that grounds eligibility. SSO formats supported: SAML, OIDC, signed JWT.
Enrollment Systems
The flow where the employee elects coverage. EOI launches from inside the enrollment cart. Approved coverage writes back into the cart in real time.
Carrier Systems
Carrier-owned rules, products, and policy issuance. EOIX surfaces a carrier-branded URL pattern and a case-specific link. No sensitive data in URLs.
Underwriting Engines
The underwriting engine, configured by the carrier with the carrier's own risk parameters. EOIX orchestrates the call. The carrier owns the rule.
Data Sources
The third-party data sources the rules require: driving history, prior application history, and prescription history. Called in real time during the interview.
Workflow Processes
Implementation, validation, audit, and governance. Every event lands in the EOIX administrative portal so the platform and the carrier see the same case at the same time.
One connected workflow
Four ways to launch the interview
Carrier-branded. Case-specific. No sensitive data in URLs.
The full setup, sample URLs, and when-to-use detail live on the connectivity page. The summary below is enough to scope a 30-minute walkthrough with platform engineering.
| Launch path | Who initiates | Identity check |
|---|---|---|
| Enrollment Flow SSO LaunchOption 01. The employee goes straight to the interview. | The employee, already signed in to the Ben Admin or HRIS platform, clicks Complete EOI inside the enrollment flow. | No second login. |
| Secure Token LinkOption 02. | A secure link by email or text. Opaque token in the URL. | Identity verified by date of birth and last four of SSN plus a one-time code where required. |
| Admin One-Off Link with Employer SSOOption 03. The employee clicks, then lands in the interview. | An employer admin generates a one-off link. | Redirects through employer SSO so the app can confirm the case match. |
| Spouse Link with Identity VerificationOption 04. Closes the spousal-life tier that has nowhere to live in most platforms today. | Spouse-specific link by email or text. | Identity verification by date of birth and last four of SSN. |
Scroll the table sideways to see every column.
The full connectivity page walks the URL-hygiene pattern, the SAML and OIDC and JWT identity formats, and the carrier-branded subdomain convention. See pillar two: Connectivity
The boundary
EOIX is not replacing the Ben Admin or HRIS platform.
The platform keeps the enrollment experience. The carrier keeps every underwriting rule. EOIX runs the connected workflow between them and gives both sides a single operational view.
Proof posture
Mechanism credibility, not named platforms.
EOI Exchange does not name platform customers on the public site. The architecture is built. The first wave of carrier conversations is underway with multiple Tier-1 group carriers. Platform integration scoping conversations follow once a carrier conversation moves past discovery.
The integration shape is straightforward: API-based, white-labeled inside the platform's enrollment flow, no UI rebuild required on the platform side. Platform partner API connectivity is documented. Alignment work with the platform partner is in progress.
The 30-minute technical walkthrough scopes the exact integration footprint with platform engineering before any commitment.
Next step
Open a connectivity inquiry.
30 minutes with platform engineering to walk the integration shape, the launch options, the write-back contract, and the governance view. No commitment beyond the walkthrough.