Billing & reconciliation
One bill. No reconciliation. On your terms.
Billing is where multi-carrier administration usually gets messy: a separate invoice from every provider, cutoff dates that miss your late-month changes, reports in formats you can't work with, and deductions that still have to be squared against payroll by hand. Effortless consolidates all of it into one bill and removes the reconciliation work entirely.
Billing that just works
Most billing pain comes down to timing and reporting.
Fix the cutoff date and fix the billing formatting and the monthly reconciliation exercise disappears.
Timing
Eliminate reconciliation.
Most systems cut off changes on the 10th, 15th, or 20th of the month, which means a termination on the 25th or a new hire on the 28th misses the current bill and becomes next month's retroactive adjustment. As organizations increase in size, the payroll workarounds compound.
Effortless holds its billing cutoff to the last business day of the month. Late changes land on the right bill the first time, so the reconciliation and the payroll corrections don't happen.
Most systems
Cutoff mid-month. A change on the 25th becomes next month's retroactive adjustment.
Manual reconciliation
Effortless
day of the month
Late changes land on the right bill the first time, at any size of organization.
Nothing to reconcile
Reporting
One consolidated bill, in a format you can use.
Every carrier and provider on your plan is consolidated through a single premium statement. It's available natively in Excel, or even XML if your IT team wants to work with it directly. No format conversions required, so your finance team works with the data instead of retyping it.
- Excel, natively
- PDF statement
- XML for your IT team
One premium statement
- Life & AD&D
- Disability
- Health & Dental
- Specialty providers
On demand
Real-time billing, whenever you need it.
You don't have to wait for month-end to see where you stand. Run a real-time Excel billing snapshot at any time and the system regenerates your full billing position as of that moment.
Payroll deductions
The payroll loop, closed.
Effortless calculates how you share benefit costs with employees and produces a payroll deduction file formatted for your system, so cost-share changes flow back into payroll automatically. The billing that comes out of Effortless and the deductions that go into payroll stay in sync without manual reconciliation.
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Cost share calculated
Your split between employer and employee is applied to every premium.
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Deduction file produced
Formatted for your payroll system, ready to load without editing.
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Payroll stays in sync
Cost-share changes carry through, so billing and deductions always agree.
Keep exploring
More of the platform.
- Overview One enrollment, one bill, one integration. See how it works
- HR & payroll integration Your HR stack, connected once. See how it works
- Flex administration Flex, without the headache. See how it works
- Compliance automation Compliance that never sleeps. See how it works
- Human service Meet the team behind the platform. See how it works
See your bill on one page.
Book a live demo and we'll walk through a consolidated statement, a real-time snapshot, and a deduction file built for your payroll system.