Employee Experience: About the Benefits Cart

The benefits cart is where your employees will review their benefits offering. The benefits cart will display after employees have added or updated their profile information. Employees can return to their benefits cart at any point during the shopping experience by clicking the cart icon on the top navigation.

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Benefit types

The benefits cart first organizes all the plans that you’re offering by benefit type, such as “Medical.” This introduces the employee to the type of benefit before they dive into their plan options (such as HMO, EPO, PPO, HDHP, etc.). 

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The cart explains each benefit type in plain language to drive an understanding of the overall purpose before the employee jumps into specific plan options and coverage details.

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Once the employee has made a selection, information about that selection will replace the description. If the employee enrolled in one of the plans, that plan’s name and coverage details will display. If the employee actively waives the benefit type, then a record of that action will display. 

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The employee has selected the PPO plan, waived dental coverage, and has not made a decision about vision coverage yet.

The plan information will already be displayed in the benefits cart before the employee takes any action if the employee:

  • Has been auto-enrolled in the benefit by their employer
  • Is in a passive annual open enrollment and their previous coverage has been rolled over
  • Is reviewing their current coverage due to a life event

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Example of an auto-enrolled plan

Employees must either enroll in or waive medical, dental, and vision benefit types. That doesn’t necessarily mean they need to log into Maxwell and make a decision. If you’re running a passive annual open enrollment and their coverage from last year has been rolled over, that will satisfy the requirement.

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The cart lets employees know that medical, dental, and vision are required. The “Proceed to Checkout” button is disabled until these requirements are fulfilled.

Value categories

The benefits cart makes the benefits offering easier to digest and comprehend by automatically organizing benefit types into five or fewer categories based on the value the set of benefit types bring to the employee.

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Here’s a list of the categories and the benefit types that fall within each category:

Category

Benefit types

Keep you and your family healthy

Medical
Dental
Vision
Critical Illness
Accident
Hospitalization Insurance
Cancer
Gap/Supplemental
Telemedicine
Fitness, Fitness Reimbursement, Fitness Tracking
Health and Wellness
Health Concierge

Protect your income

Short Term Disability
Long Term Disability

Protect those who count on you

Life
Life and AD&D
AD&D

Plan your finances

HSA
HRA
FSA, LFSA
DCA
Commuter
401k, 403b
Pension Plan
Profit Sharing Plan
529 Plan
Student Loan Assistance, Tuition Assistance

Other benefits available to you

Everything else not found above including Long Term Care, EAP, Travel Assistance, Adoption Services, Identity Protection, etc.

 

Note:

  • The order of the categories and the benefit types within a category have been set for the best user experience and cannot be customized.

  • If your company does not offer any benefit types under a value category, it will not display. For example, if your company doesn’t offer any disability benefits, the category “Protect your income” will not display at all in the benefits cart.

  • If your company only offers benefit types that fall under one value category, it will not display. For example, if your company only offers medical, dental, and vision benefits, the “Keep you and your family healthy” value category will not display.

Actions

When the employee is ready, they can review the plans available to them by clicking Review Options. We recommend that the employee starts at the top with Medical. If multiple plans are offered, the employee will be brought to a new page with the plan options represented in tiles. If there is only one plan option, they’ll be brought directly to that plan’s coverage details.

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There are three medical plans offered, so the employee is taken to a new page where they can see their options laid out.

Once an employee has made a selection, they’ll see it represented in their cart when they return. From there, they can view details of the plan, change the plan (if other options are available), or waive the plan (if allowed).

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Once the employee has finished selecting their benefits, they can review their recurring costs and proceed to checkout where they can review their benefits before submitting their enrollment.

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FAQ

  1. Can I customize the names of the value categories or the benefit types and their high-level descriptions?
    The names of the value categories, benefit types, and the high-level descriptions were thoroughly researched by the Maxwell team and cannot be customized.

 

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