Benefits Technology: Helps State Solve Challenges of Full-Positive Enrollment

A state government with 30,000-plus employees chose for the first time in nearly a decade to conduct a full-positive benefits enrollment. If an employee didn’t actively enroll, his or her coverage would be terminated.

Because employees are required to enroll online, the state’s HR leadership envisioned the full-positive enrollment as a unique opportunity to engage employees with their benefits. The four plans offered remained consistent and included an HDHP, with two carrier options and different deductibles—an HMO, and a PPO.

HR leaders also wanted employees to put more consideration into their benefits decisions and to make choices that made good sense for their unique needs rather than simply basing a decision on the cost of premiums. Finally, HR sought to reduce the number of calls to the state’s benefits team.

4 Plan Options:

• High-Deductible Health Plan (HDHP) Carrier 1
• High-Deductible Health Plan (HDHP) Carrier 2
• Health-Maintenance Organization (HMO)
• Preferred-Provider Organization (PPO)

Highlights

• Organization: State Organization
• Employee Count: 30,000+
• Challenges: Reduce friction for the in-house HR team during open enrollment and educate employees on their benefit choices.
• Solutions: Customized employee communication and use of the MyChoice® Recommendation Engine