Comparison

Milliman Mobile Benefits vs Surency Flex

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Milliman Mobile Benefits

Access and manage your employer-sponsored retirement plan details conveniently and securely on your mobile device. View contributions, investments, statements, and personal rates of return. Make changes to savings and fund transfers directly from the app.

Highlights
  • View account details
  • Manage contributions
  • Track investments
  • Review quarterly statements
  • Check loan details
  • Secure login with multi-factor authentication
Features
Read full description

Access your retirement plan information on the go with Milliman’s mobile app. Milliman Mobile Benefits is for participants in employer-sponsored plans that are administered by Milliman. This app provides you with a convenient and secure way to stay informed and engaged with your account. From your mobile device, you will be able to easily access your account details.* Log in to view your: - Personal profile. - Contributions (and/or make changes to the amount you are saving). - Investments by fund, source or asset class (and/or make direct fund transfers). - Personal rates of return. - Existing loan details. - Available withdrawals. - Quarterly statements. Visit the full site at MillimanBenefits.com to make changes that are not available through the app. Security is No. 1. This app uses multi-factor and biometric authentication to keep your account information secure. Log in with the same username and password that you use for MillimanBenefits.com. If you have not set up your Security Questions/Answers or accepted the Online Access Agreement, you will be prompted to do so in the app or you can visit MillimanBenefits.com to complete your account registration. *Information displayed in the app will vary depending on plan type and each plan's display settings. The images provided are for illustrative purposes only. © Milliman, Inc. All rights reserved.

About

Surency Flex

Easily manage your health benefit accounts like HSA, HRA, and FSA on the go. Quickly check balances, view account details, and submit claims with real-time access and secure navigation.

Highlights
  • Check account balances 24/7
  • View account summaries and charts
  • Submit claims with receipt photos
  • Manage HSA transactions
  • Pay bills and add payees
  • Report lost or stolen debit cards
Features
Read full description

Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgot username/password • Report a debit card as lost or stolen Powered by WEX Health®

Screenshots

Milliman Mobile Benefits4 screens
Surency Flex4 screens

Verdict

The call

The clearest difference is review sentiment: Surency Flex at 53% against Milliman Mobile Benefits's 11%. Milliman Mobile Benefits's advantage is rating (4.7 vs 4.3) and update cadence (every 3 weeks vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Milliman Mobile Benefits holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: Milliman Mobile Benefits has 6.8K ratings behind it against 640, so its average is the more settled of the two. Written reviews complicate that: 11% of Milliman Mobile Benefits's written reviews are positive against 53% of Surency Flex's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Milliman Mobile Benefits ships an update every 3 weeks, Surency Flex every 3 months. Both last shipped on October 24, 2026.

Scorecard5 real differences · 5 level
Milliman Mobile Benefits versus Surency Flex: the parameters behind the verdict, then further details
ParameterMilliman Mobile BenefitsSurency Flex
PriceFreeFree
Rating4.7 (6.8K ratings) — better4.3 (640 ratings)
Positive reviews10.8% of reviews53.1% of reviews — better
Number of ratings6.8K — better640
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better17.0
Further details — not scored
Size92 MB32 MB
Age rating4+17+
DeveloperMilliman, Inc.Surency Life and Health Insurance Company

Customer experience

Milliman Mobile Benefits

All ratings6,699 ratings
Positive93.4%
Neutral2.0%
Negative4.6%
Written reviews120 reviews
Positive10.8%
Neutral3.3%
Negative85.8%

Surency Flex

All ratings640 ratings
Positive82.0%
Neutral1.9%
Negative16.1%
Written reviews96 reviews
Positive53.1%
Neutral4.2%
Negative42.7%

User reviews

Milliman Mobile Benefits

From 6.8K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 Biometric login
  • 💡 Frequent updates

Room to improve

  • 🐛 Login issues
  • 🐛 Frequent crashes
  • 🐛 Unreliable performance
  • 👎 Poor user experience
  • 👎 Lack of features

Surency Flex

From 640 App Store ratings

What we love

  • 👍 User-friendly app interface and navigation
  • 🚀 Easy and fast claim submission process
  • 💳 Convenient mobile receipt scanning feature
  • 📱 Simple balance tracking and account management
  • ⭐ Helpful and responsive customer service team

Room to improve

  • 🐛 Frequent session timeouts requiring re-login
  • ⏱️ Slow claim processing and approval times
  • 📋 Excessive documentation requirements for claims
  • 🚫 Strict and inconsistent claim denial policies
  • 💰 Funds held up pending receipt verification

Bugs and requests

Milliman Mobile Benefits

Reported bugs

4 issues
  • Blank screen after login
  • Biometrics not working consistently
  • Account lockouts and login failures
  • Frequent app crashes

Requested features

4 requests
  • Improved login experience
  • Transaction history and performance tracking
  • More customization options
  • Seamless biometric authentication

Surency Flex

Reported bugs

9 issues
  • App logs out immediately when switching between apps
  • Blank screens with no content displaying
  • Login credentials not accepted despite correct entry
  • Receipt upload encounters undisclosed errors
  • Password reset website malfunction
Show 4 more
  • Automatic password resets and multiple authentication requests
  • Barcode scanner fails to recognize all barcodes
  • Camera upload only accepts live photos, not saved images
  • Incorrect fund deduction from wrong plan year

Requested features

9 requests
  • Auto-save functionality for receipt uploads
  • Ability to save receipts in app for later submission
  • Manual scan button for barcode scanner
  • Better claim history and tracking visibility
  • Faster deposit processing times
Show 4 more
  • Simplified documentation requirements
  • Clearer denial explanations and reasons
  • 24/7 customer support availability
  • Improved password reset functionality

In-app purchases

None

Milliman Mobile Benefits

No in-app purchases

None

Surency Flex

No in-app purchases

Questions

Is Milliman Mobile Benefits free?
Milliman Mobile Benefits is free to download, with no in-app purchases.
Is Surency Flex free?
Surency Flex is free to download, with no in-app purchases.
Which has better reviews, Milliman Mobile Benefits or Surency Flex?
Milliman Mobile Benefits is rated higher. Milliman Mobile Benefits averages 4.7 out of 5 from 6.8K ratings, while Surency Flex averages 4.3 from 640 ratings.
Do Milliman Mobile Benefits or Surency Flex have ads?
Neither Milliman Mobile Benefits nor Surency Flex shows ads.
Which is updated more often, Milliman Mobile Benefits or Surency Flex?
Milliman Mobile Benefits ships an update every 3 weeks, and Surency Flex every 3 months. Most recently, Milliman Mobile Benefits was updated on October 24, 2026 and Surency Flex on October 24, 2026.

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