MAXWELL HEALTH FEATURES

Transcription

1 MAXWELL HEALTH FEATURES Maxwell Health Version 5 is a fully-featured and sophisticated Benefits Administration and Private Exchange technology platform. It is based upon an operating system design methodology that enables it to be flexible to implement any benefits strategy for employers of two employees to thousands. The core platform is based upon a rules-engine-driven workflow and temporal data structure that handles complex benefits scenarios and regulations. The innovative benefits selection process for employees is based upon a bundled approached to benefits. This shopping process empowers employees to make the best choice for their benefits package and increases the adoption of ancillary and wellness products. Flexible rates and contribution constructs allow for products to be priced and presented in a way that increases employee understanding and cost transparency. Frictionless user experience and beautiful design is central to the Maxwell experience, with employees placed at the center of every design decision. User Roles 1 Broker Managing multiple Employer Portals across the Broker s book of business 2 Business Analyst Setting up and configuring each Employer Portal 3 HR Administrator Maintaining the day-to-day operations of the Employer Portal 4 Employee (Open Enrollment) The benefits election process during open enrollment 5 Employee (Post-Enrollment) The web and mobile experience for Employees after being enrolled in their benefits

2 The Platform Cloud-based - No installation is necessary for any technology at the Broker or Employer site Multi-tenant - The entire platform is multi-tenant allowing for multiple Brokers and Employers to co-exist and keep information separate and secure Encryption - All Employee information is encrypted and stored securely Permission-based - Each screen and function can be restricted based upon overall user permissions throughout the platform Electronic Data Interchange - HIPAA 834 supported EDI connections across multiple vendors and products - Multi-tenant and single tenant capable - Broker-aware The Marketplace Maxwell s marketplace supports enrollment in all employee benefits, including: - Medical, dental, vision - Life insurance, disability - HRA/HSA/FSAs - Work-site (cancer, critical illness, accident) - Voluntary (life insurance, short and long-term disability, EAP) - Other benefits like emergency child care, ID theft coverage, travel insurance, pet insurance, legal benefits, transit benefits, and more Maxwell can work with your TPA or, you can work with our partner, ConnectYourCare, and we can issue Maxwell-branded debit cards for groups HRA/HSA/FSAs Maxwell can work with any 401(K) provider but we have a deep integration with The Online 401(k) for a seamless enrollment experience 2

3 The Broker Employer Portal management - Ability to see all Employer Portals and easily launch into the Business Analyst or HR Administrator for each Portal One-button-click to create new Employer Portals Reporting - Ability to run reports across all single Employers and groups of Employers - Open Enrollment Reports - Product Utilization and Selection Reports - Product Cost Reports - Payroll Reports Reports can be run on a regular schedule and ed or uploaded via secure FTP Common branding elements such as logo and colors Common text including portal messaging and templates 3

4 The Business Analyst Employer Create HR Administrators and set permissions - Permissions are based upon Employer groups, specific screens and specific data structures (e.g. California Administrators can only access the California Employees group and cannot set compensation information) Branding - Logo and color scheme Custom fields - Any number of custom fields can be added to Employee information Products Vendor and product agnostic - Can support any product type or vendor - Single vendors can apply to multiple products - Properties such as logos and contact information can be saved across a single vendor Product templates - Dozens of templates already in place to make product creation easy Product visual elements can be defined such as: - The way in which products are displayed to the Employee during: - Open enrollment - Post-enrollment - Configuration dialog - Custom pop-up dialog boxes can be added to any product to hand-hold the Employee through the selection process or link to external interface (e.g. EOI questionnaire) Add products via user interface or spreadsheet upload Rates: - Banded rates structure (age / region / gender / smoking) - Composite rates (EE, EE+SP, EE+SP, etc.) 4

5 - This is open-ended to support any custom coverage level, such as domestic partner coverage - Individual rates - Each Product can be rated based upon the specific Employee - External Rating Engine - An external rating engine can be used (via API or Web Service) to determine rates on a per Employee or Group underwriting basis - Include or exclude products in payroll reports Product links can be defined to provide clean handovers for Employees to access vendor specific management sites (e.g. a Health Insurance Carrier s Portal) Attach enrollment/waive forms to specific products Bundles Bundles of products can be defined with any number of products across any product type Bundles can be branded with custom imagery to reflect the Employee cohort that is most likely to have an affinity to it Bundles can be arranged and ordered to match the demographic nature of the Employer Contribution Strategies Defined benefit - Can be set across any specific product or product type - Supports buy-up options where a single product and its coverage level / options are set as the base product and any additional coverage / different options are out of pocket for the Employee Defined contribution - Can be set across any specific product or product type All contributions can set in dollar or percentage amounts Groups Any number of groups can be created Groups can be imported via spreadsheets or data files Welcome messages can be set for each group including embedding videos (such as instructions on how to choose the correct benefits) 5

6 Rules Engine Natural, language-based rules engine that can parse any employee or employer information and manipulate workflow Eligibility Rules - When / Then-based rules to parse employee information and place them into a specific Group QLE Rules - When / Then-based rules to parse employee and employer information to enroll or open enrollment for products based upon Qualifying Life Events Product Rules - When / Then-based rules to parse employee and employer information to change product options, pricing information and interface components Product Rules can also influence pricing information based upon the historical representation of that product with the Employee (e.g. stacked rates for life insurance) Reporting Out-of-the-box reports - Employee product elections - Product utilization - Payroll Custom reports with field selections and filters - Save report templates - Save report results Export reports to.csv,.pdf and Excel Notifications Custom notifications rules to route requests to appropriate parties and system notifications (via SFTP) Customize notification text Custom workflow processes to send requests to multiple parties in a different order 6

7 Scenario Testing Place all Employer Portal information into a staging environment for testing Manipulate employee information to test scenarios without affecting production data Change product information such as rates in a safe environment Test open enrollment scenarios and rules Promote changes to the production environment on a schedule Built-in automated testing 7

8 The HR Administrator Dashboard Widgets can be arranged in a custom layout to reflect the needs and role of the HR Administrator Common widgets include: - Open Enrollment widgets - Track where each Employee is in the open enrollment process, including the multiple steps of forms processing and enrollment tracking via EDI feeds - Cost widgets - Track costs of products based upon Employee elections and options - Communication widgets - Track communication campaigns and their success (open and click through rates, etc.) - Visitors - Track Employer Portal visitors and their usage patterns - Requests for Help - Track requests for assistance of both HR and 3rd part services (e.g. Health Advocate) Managing Census View all Employee information and have a Quick View of their product selections Add New Employee mode where information can added safely without affecting any rules Import Employee Census information via custom spreadsheets - Data mapping capability against rows Managing Employees Manage Employee information - Personal Details including SSNs - Dependent information - Employment status - Compensation 8

9 Manage product availability and default options Manage product enrollments including member IDs Products Information View all products across multiple types Set product parameters Run rating scenarios to view different user cases for testing rates and Employee selections Communications Manage and edit templates Kick-off campaigns for Employees or groups of Employees Edit and update subject, text and attachments on a per-employee basis Preview s before sending out Track open and click through rates for s sent using summary charts and per-campaign statistics Enrollment Tasks Track tasks as they are created after Employees select their benefits Update task status for manual enrollment tasks - Form signing steps will automatically update tasks Assign and re-assign tasks based upon workflow rules Track EDI tasks across multiple products Temporal tasks for multi-year enrollments and EOI scenarios 9

10 The Employee (Open Enrollment) Bundle Selection Process Scroll through bundles with custom imagery View information about the specific products in each bundle Select entire bundles By Product Selection Browse by product category and select specific products Wizard-based approach to selecting specific products in a specific order View individual product details including specific product functionality areas - Doctor lookup - Additional product information (e.g. SPDs) Real-time cost information based upon known Employee information Defined Contribution Shopping Cart Track costs as the Employee selects their products Indicate clearly which products are employer contributed versus employee out of pocket Continually show the breakdown of costs for the Employee with helpful charts Allow for one-time costs to be tracked (e.g. fitness devices) Decision Support Wizard-based question and multiple choice answers Weighted answers methodology to narrow available products Indicate recommended product with explanatory note Support for videos in the Q/A process Product Configuration Specify product options based upon the product type Can be based upon Employee s product selection from previous enrollment periods 10

11 Checkout Complete form with fields required for most product enrollments - Additional fields can be added as required One-button checkout with a summary of benefits selections visible Support for credit card processing and ACH for employee out-of-pocket costs Request for Assistance One-click to view help options including phone numbers and contact forms Live chat support Links to the Maxwell Health Employee Knowledge Base - General Health Insurance and Benefits information - Technical assistance documents 11

12 The Employee (Post-Enrollment) Web Interface Employees are able to review and actively approve HR documents Employees can view and download important company-wide notes Employees can review or update demographic information as well as dependent information, sometimes to start a QLE View specific product information and launch into the vendor s member websites from the Employee screen Mobile Interface The mobile app acts as a virtual health card, allowing employees to access plan details for each product in which they are enrolled - They can view breakdown of benefits by product, see their policy or ID number, and access or use carrier contact information The mobile app also allows employees to interact with the concierge service - It s easy for the employee to call the concierge with one tap - They can send a photo of a confusing bill or insurance claim through a secure connection for the concierge to review, explain, or adjudicate (if applicable) - The concierge can also help with: - Explanation of benefits - Creating a health summary - Explaining care options and estimating costs - Doctor recommendations - Scheduling appointments - Collection of medical records - Bill review - Communicating with carriers/providers about disability claims - Assisting with eldercare Employees can use the in-app, device-less tracking, or connect their own fitness device, to track healthy activities - They can link a supported device through the app 12

13 Benefits - The app will track their progress and allow them to participate in (or opt out of) a company-wide leaderboard - Employees earn points/coins for positive activity, which they can then redeem for rewards The portal enables employees to enroll in any available plans They are able to view key aspects of available plan in a clear, transparent way that makes the benefits decision more intuitive, and also view plan costs based on coverage tier Employees can view employer contribution (overall or per-product) and the plan cost per-month or per-pay period Employees can view and download plan documents (SBCs) which are attached to each product Definitions of each insurance or benefits term are easily viewable for employees during the selection process Employees can enter beneficiary information for each applicable product They can enter their primary care physician and access provider lookup to determine strength of network Employees can easily upload proof of prior coverage The confirmation page allows employees to review plan/coverage selection and total cost before confirming - This page also gives a breakdown benefit by benefit, with cost to the employee and the employer, and shows which benefits are pre- vs. post-tax. - They can also use this page to view one-time and recurring payroll deductions - They are able to send a copy of the confirmation statement to their address Employees can use the portal to initiate requests for QLE Employees can view or download previous confirmation statements Wellness Employees get a truly unique wellness experience that connects with some of the most innovative and effective health products available The wellness platform provides fun encouragement while getting healthier, through in-app challenges and competitive leaderboards 13

14 By pulling different data streams together to make conclusions about care, Maxwell is able to provide meaningful, timely feedback to employees that they can act on immediately Rewards Employees can view reward options in the mobile app or portal s rewards store and redeem rewards once they ve earned enough coins Rewards are electronically redeemed via the vendor s website with the use of exclusive promo codes Requests for Help Contact information for the Maxwell Health customer service team is readily available, and employees can also submit requests for help directly through the portal 14