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Administrator Guide
Last Updated: 2023-06-23
Examples: Cross Plan Enrollment Prerequisites

Examples: Cross Plan Enrollment Prerequisites

You create 3 prerequisites for cross plan enrollments:
  • Create a rule that makes the election of a High Deductible Health Care Plan (HDHPs) a prerequisite for electing a Health Savings Account Plan (HSA).
    You make the Limited HSA plan available to all workers who elect either the high deductible Gold Care or high deductible Silver Care plan. You allow only 1 HDHP election and require Workers to select the Limited HSA plan if they elect 1 of the HDHPs.
    For the health care coverage types that include the Gold Care and Silver Care plan, you select the
    Only One Election
     check box on
    Maintain Benefit Coverage Types
    .
    Enter these values:
    Field
    Value
    Primary Benefit Plan(s)
    Gold Care
    Silver Care
    Secondary Benefit Plan(s)
    Limited HSA.
    Secondary Plan Rule
    Must elect at least one secondary plan.
  • Make Election of an HDHP a prerequisite for electing both a required HSA and an optional catch up plan.
    You make 2 HSA plans available to workers over 55 who elect the high deductible Gold Care plan:
    • A General HSA plan.
    • A Catch Up HSA plan.
    Workers electing the Gold Care HDHP must enroll in the General HSA plan. You make the Catch Up HSA plan optional and available only to employees who have elected the Gold Care HDHP and the General HSA plan. Employees can only elect the Catch Up HSA plan by first electing the General HSA plan.
    For the health care coverage types that include the Gold Care and Silver Care plan, you select the
    Only One Election
     check box on
    Maintain Benefit Coverage Types
    .
    1. Create a cross plan enrollment prerequisite rule that makes the Gold Care HDHP plan a prerequisite for electing the General HSA plan:
      Enter these values:
      Field
      Value
      Primary Benefit Plan(s)
      Gold Care
      Secondary Benefit Plan(s)
      General HSA
      Secondary Plan Rule
      Must elect at least one secondary plan.
    2. Create another cross plan enrollment prerequisite rule that makes the Gold Care HDHP plan a prerequisite for electing the Catch Up HSA plan:
      Enter these values:
      Field
      Value
      Primary Benefit Plan(s)
      Gold Care
      Secondary Benefit Plan(s)
      Catch Up HSA
      Secondary Plan Rule
      Can elect 1 or more secondary plans.
      Required because the Gold Care HDHP is a prerequisite not only for the General HSA plan, but for the Catch Up HSA plan.
    3. Create a third cross plan enrollment prerequisite rule that makes he General HSA plan a prerequisite for enrolling in the Catch Up HSA plan:
      Enter these values:
      Field
      Value
      Primary Benefit Plan(s)
      General HSA.
      Secondary Benefit Plan(s)
      Catch Up HSA.
      Secondary Plan Rule
      Can elect 1 or more secondary plans.
  • Create a cross plan prerequisite rule that allows an employee to elect a Spending Account or a Health Savings Account plan, but not both.
    Workers can elect the Silver Health Savings Account (HSA) or the Gold Health Care Spending Account plan, but not both.
    During enrollment, the employee will only be able to submit their elections if they elect 1 of the plans.
    Enter these values:
    Field
    Value
    Primary Benefit Plan(s)
    Silver HSA
    Secondary Benefit Plan(s)
    Gold Health Care Spending Account
    Secondary Plan Rule
    Can elect only 1 primary or secondary plan.