Open Enrollment

Every employee deserves a benefits expert in their corner when it counts.

Cascade gives every employee accurate, personalized support during open enrollment, at any hour, through the questions they’re ready to ask.

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The Opportunity

Open enrollment is one of the largest financial decisions employees make all year. Employers who protect that outcome treat employee support as infrastructure built before the window opens, not a capacity problem they try to solve in the two weeks they have.

53% OF EMPLOYEES REGRETTED THEIR PRIOR YEAR’S OE DECISIONS

Forgetting deadlines, misunderstanding plan options, failing to adjust for life changes: the cost of unsupported enrollment shows up in every renewal.

Equitable, 2024

$6,850 AVERAGE EMPLOYEE PAYCHECK CONTRIBUTION PER YEAR

Employees are making decisions about thousands of dollars of their own money in a two-week window, often without the support to get those decisions right.

KFF, 2024

97% OF OPEN ENROLLMENT QUESTIONS RESOLVED BY AI

The answers were already there. Employees just had no way to reach them when they needed them most.

Cascade AI 2024 OE Report

It’s 9:30pm on a Tuesday. The enrollment window closes in two days. She’s been putting this off because the question she needs answered isn’t one she’s ready to ask anyone at work.

She types it anyway. She gets the answer. She picks the right plan.

That’s the moment Cascade is built for.

How Cascade Solves It

For employees, enrollment happens whenever they have time to think and questions they’re ready to ask. Cascade is built for that window, whenever it opens.

Good enrollment decisions depend on information calibrated to each employee’s specific plans, a private enough space to ask the real questions, and support that’s there when they’re ready to act. Cascade is built to deliver that from day one of the window, for every employee in your organization.

Personalized Benefits Decision Support, Down to the Plan

Every answer is calibrated to the plans that specific employee is choosing between, accounting for their carrier, location, eligibility, and dependent situation. An employee comparing plans in a market with HPN complexity gets an answer grounded in their exact options, not a definition that applies to everyone and helps no one.

Available When Employees Are Ready

More than 20% of OE questions arrive outside business hours, nearly 10% on weekends. Cascade is available at 10pm on a Sunday with the same accuracy as 2pm on a Wednesday.

Anonymity That Unlocks the Real Questions

The questions that most determine which plan someone needs are often the ones they won’t ask a colleague or HR rep: questions about diagnoses, medications, fertility, and financial hardship. Cascade creates theprivate space for those questions, so employees arrive at their decisions with the full picture.

Surface the Benefits Employees Don’t Know to Ask About

When an employee asks about a specialist, Cascade knows which network applies in their market and whether a center of excellence or care program covers their situation. The value your organization has already built into the package surfaces in the conversation when it’s relevant, not buried in a document no one reads until they need it.

Real-Time Visibility for HR

Every interaction gives your team data on where employees are confused, which programs are landing, and what to change before the window closes.

Intelligent Escalation When It Counts

When a question needs a human, it reaches HR with the full conversation context intact, so the handoff is warm, the team is already up to speed, and the employee gets the help they needed without having to explain their situation twice.

Agents Powering This Use Case

HR Service Delivery

Resolve every HR question, route every service request, and close the loop without manual intervention, across policy, leave, onboarding, and operations.

Benefits Decision Support

Personalized guidance through open enrollment, for every employee, at every eligibility tier.

Explore our Workflow Agents

By the Numbers

What changes when every employee has the support they need to enroll well.

CASE DEFLECTION ACROSS DOZENS OF ACQUIRED CLINIC NETWORKS

OneOncology maintains 99.3% case deflection across a network of acquired clinics, each running distinct policies, benefits structures, and employee populations.

ROI IN FIRST YEAR

Companies in their first full OE cycle with Cascade report strong returns: fewer misdirected HR questions, higher enrollment quality, and HR time recovered for the work that requires them.

2- wks

AVERAGE TIME TO DEPLOYMENT

Cascade is live before your enrollment window opens, connected to the HRIS and plan documents you already have, no custom engineering, no rip-and-replace.

Across deployments with distributed, multi-country workforces, the outcomes are consistent: employees engage more, ask more, and make better decisions when support is available in their language, at their hours, and grounded in their actual policies and eligibility.

Live before your window opens, with minimal time from your HR or IT teams.

Cascade connects to your existing HRIS, benefits administration, and identity systems without custom engineering. Ninety percent of customers are live within two weeks of contract signing, answering employee questions before your enrollment communications go out.

Week 1

Data ingestion and initial training

Week 2

Model evaluation and integrations setup

Week 3

Pilot testing with select employee groups

Week 4

Full deployment and monitoring

Resource requirements: 4 to 6 hours from your HR team, 1 hour from IT.

Where Open Enrollment Wins with Cascade

Open enrollment is approaching and your team’s time is finite

Cascade absorbs the repeatable support volume so your HR team can focus on the decisions that need them, regardless of how much your plan complexity has grown.

Your workforce is on the floor, on the road, or between stops

Field technicians, warehouse workers, care workers: Cascade meets them on their phone, in plain language, in the time they have between stops.

You’ve built a benefits package worth using

Point solutions, HPNs, and centers of excellence only deliver value when employees know to reach for them. Cascade surfaces those options at the moment a question makes them relevant.

You want better data coming out of OE

Cascade gives your team real-time visibility into what employees are asking, where confusion is concentrated, and which programs need attention before the window closes.

You’re heading into a benefit strategy change

Carrier transitions, broker changes, plan redesigns: Cascade holds the old and new structure simultaneously so employees understand what changed and what it means for their family.

See what 2025 open enrollment data reveals about how employees make benefits decisions.

The 2025 Open Enrollment AI Insights Report draws from real interaction data, including how employee behavior shifted year over year and what patterns HR teams can use to improve enrollment outcomes.

Download the report