# Milliman Mobile Benefits vs Surency Flex

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.

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

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.

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

## The numbers

| Metric | Milliman Mobile Benefits | Surency Flex |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (6.8K ratings)](https://appshunter.io/ios/app/milliman-mobile-benefits/id510721121/reviews)** | [4.3 (640 ratings)](https://appshunter.io/ios/app/surency-flex/id594231327/reviews) |
| Number of ratings | **6.8K** | 640 |
| Positive reviews | 10.8% of reviews | **53.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 92 MB | 32 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Milliman, Inc.](https://appshunter.io/developer/510716413) | [Surency Life and Health Insurance Company](https://appshunter.io/developer/594231430) |

## What reviewers say

### Milliman Mobile Benefits

[App page](https://appshunter.io/ios/app/milliman-mobile-benefits/id510721121)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Blank screen after login
- Biometrics not working consistently
- Account lockouts and login failures
- Frequent app crashes

**Requested features**

- Improved login experience
- Transaction history and performance tracking
- More customization options
- Seamless biometric authentication


### Surency Flex

[App page](https://appshunter.io/ios/app/surency-flex/id594231327)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*