For individuals and employees, COVID has them taking a hard look at their voluntary benefits – what value do they provide? Am I using them? What else can they do for me? For employees looking to cut costs, some infrequently used benefits such as vision and dental may be on the chopping block. In response, many insurers have frozen rates for groups or have rolled out telehealth options to encourage members to continue receiving the care they need, while also instilling member loyalty. Insurers are also introducing new or expanded complimentary benefits like behavioral health, legal and financial support, recognizing the impact of whole health.