Products can be “linked together” so the availability of one product is conditional upon the election of another product. This type of setup is especially common for financial products. For example, you can link an HSA to a HDHP medical plan such that the HSA is hidden until the employee selects to enroll in the HDHP medical plan. This works well because you can prevent an employee from selecting an HMO medical plan and an HSA.
In this article you'll learn:
- Common ways to link products
- Unsupported linking in Maxwell
- Things to consider when choosing linked products
Common ways to link products
Here we’ve highlighted some common ways you can link products together to make for a more intuitive shopping experience.
- Set up a product so it’s hidden until the employee selects to waive another product.
- Set up the HSA product to be hidden until the employee selects to enroll in the HSA-compatible medical product (HDHP).
- Set up the HSA product to be hidden until the employee selects to enroll in the HSA-compatible medical product (HDHP). Once the HSA-compatible medical product is selected to enroll, the HSA product will be added to the employee’s cart. This is useful if you, as the employer, are contributing to the HSA account.
- Set up the dental/vision product to be hidden until the employee selects a certain medical product. Once the medical product is “Selected to Enroll”, add the dental/vision product to the employee’s cart (Selected to Enroll).
- Set up the pediatric dental plan to be added to the employee’s cart (Selected to Enroll) if the employee elects to enroll in a particular medical plan.
- Set up the Health Advocate or Teladoc plan to be added to the employee’s cart (Selected to Enroll) if the employee elects to enroll in a particular medical plan.
- Maxwell automatically hides an FSA product from the shopping experience if an HSA product is displayed. We will display a Limited Purpose FSA product if an HSA is product is displayed.
- You can also work with your Advisor to decide if the coverage level of the linked product should match the same coverage level of the base product, and whether or not the coverage level of the linked product can be edited. You’ll likely want to consider this when linking between medical, dental, and vision products.
- For the above scenarios where the linked product is also added to the employee’s cart automatically, you can also decide that the linked product cannot be waived (and therefore removed from the employee’s cart).
Maxwell does not support linking products in the following ways:
- Products cannot be set up to link together such that if the employee waives one product, another product is automatically waived.
- We don’t support the linking of three products together. For example, you cannot set up linking in such a way that if the employee selects to enroll in the HDHP, and they waive the HSA, then the FSA is displayed.
When working with your Advisor on the setup of linked products, there are a few things that you should keep in mind:
- If products have been set to link together such that the linked product is visible or “Selected” if another product is selected to enroll, there are some nuances to be aware of if the employee waives the base product.
- HSA product has been set up to be visible only if the HDHP is selected to enroll.
- The employee waives the HDHP product.
- The HSA product will technically stay in a shopping status of “Open” even after the employee checks out.
- You will need to manually change the status of the HSA product to “Closed” on the employee profile if you don’t want these employees to show up on the Dashboard as “In Progress”.
- If products have been set to link together such that the linked product’s coverage level is based on the base product’s coverage level, you will need follow a slightly different workflow to change an employee’s coverage level if necessary (Example: if the dependent ages off the coverage).
- Edit/Process the base product to change the coverage level and covered individuals. Change the shopping status to “Selected” and the effective date to the date the change occurred. Once updates have been completed, click Process Elections.
- This will also change the shopping status, coverage level, covered individuals, and effective date of the linked product to match the base product.
- Head to the linked product and click Process Elections.
- It can be complex to link together medical and financial products with different plan years. When possible, we recommend that linked medical and financial products have the same plan year. If this is not possible, there are two important caveats to consider:
- Linking rules only work during Open Enrollment if all the products are included in the same Open Enrollment event. If you're holding two different Open Enrollment events for a set of the linked products, they will not operate as linked.
- Example: The medical and HSA plan year is 9/1/17 - 8/31/18, and the FSA plan year is 1/1/18 - 12/31/18.
- The products have been linked such that the FSA is hidden if the employee selects the HSA.
- You hold one OE for medical/HSA products in August 2017, and one for FSA products in December 2017.
- For the December OE, the system will not identify which employees are enrolled in an HSA from the previous Open Enrollment and therefore hide the FSA product. You would need to manage FSA eligibility on an individual basis.
- Extra steps are required for any new hires during the gap in effective dates. In Maxwell, employees cannot shop for both current and future products of the same type, at the same time. There is a way to allow the employee to be enrolled in the current product and select the future product, but it does require a few extra steps.
- Example: The HDHP plan year is 11/1/17 - 10/31/18 and the HSA plan year is 1/1/18 - 12/31/18.
- The products will be linked as such that the HSA product is automatically selected when the medical product is selected.
- An employee is hired on 12/1/17 and is eligible for all benefits on DOH.
- The employee selects the HDHP. Due to the linking rules, the future HSA plan effective 1/1/18 is added to their cart. The employee checks out.
- This employee still needs the option to enroll in the current HSA plan, which will not be displayed to them in the shopping experience. To open up the current HSA, take the following steps:
- Process the elections the employee has made so far.
- Go to the employee's profile and click End this Event.
- On the employee's Eligible Products tab, change the "Shopping Status" of the 2017 HSA to "Open" or "Selected.” (You'll be asked to enter a change reason. Enter "Administrative Change.") Set the "Available to Shop" dates according to the new hire’s shopping dates. Set the "Effective Date" according to the new hire’s eligibility rules (in this case, their DOH).
- When you're done setting up the products, click Done in the employee's profile.
- You can now send a follow up email to the employee. Remind them they now need to select the HSA product for the current plan year (2017). Note: You also have the option to confirm the product on the employee’s behalf in the employee profile.
- Have the employee log back into Maxwell and go through and select their future 2017 products.
- Process the HSA product once the employee has checked out of shopping.
NOTE: If you are unsure of your product setup, or what products have been linked together, please reach out to your Advisor or email@example.com.