Examples of Flex Credit Shell Plan Configurations
The examples in this topic show different flex credit shell plan configurations and resulting flex credits calculations. All values in these examples are in US dollars (USD)..
Plan-in-Program-Level Pool
The following figure shows a flex shell plan configuration.
This table shows the details of the credit pool, spending option, and excess credit rules.
Flex Plan Components |
Details |
Credits Provided to Pool |
Spending Option Enrollment Cost |
---|---|---|---|
Program level credit pool |
None |
None |
None |
Medical plan-level credit pool |
Spending option: Employee Only option |
40 |
20 |
Excess credit treatment |
Use plan level rules:
|
None |
None |
When participants enroll in the Employee Only option, this configuration calculates the credit balance as follows:
-
Credits provided by plan level pool: 40
-
Cost of Employee Only option: 20
-
Credit balance after deducting 20 from total credits: 20
The excess credit treatment rule treats the balance of 20 credits as follows:
-
Credits disbursed to savings plan: 10
Balance: 10
-
Credits disbursed as cash: 5
Balance: 5
-
Credits forfeited: Remainder of 5
Balance: 0
Program-Level Pool and Plan-in-Program-Level Pool Configured to Allow Overspending
The following figure shows the flex shell plan configuration.
This table shows the details of the credit pools, spending options, and excess credit rules.
Components |
Details |
Credits Provided to Pool |
Spending Option Enrollment Cost |
---|---|---|---|
Program credit pool |
Spending option: Commuter plan |
60 |
10 |
Medical plan-level pool |
Spending option: Medical plan Allows overspending up to 50% |
10 |
15 |
Excess credit treatment |
Program level rules:
|
None |
None |
When a participant enrolls in the medical plan Employee Only option and the commuter plan, this configuration calculates the credit balance on enrollment as follows:
Program Pool |
Plan Pool |
---|---|
Sequence of calculations:
|
Sequence of calculations:
|
The excess credit treatment rule treats the program pool's credit balance of 50 as follows:
-
Credits disbursed as cash: 10
Balance: 40
-
Credits transferred to savings plan: 10
Balance: 30
-
Credits forfeited: Remainder of 30
Balance: 0
Plan-in-Program-Level Pool and Option-in-Plan-in-Program-Level Pool Configured to Add to Program-Level Pool
The following figure shows the flex shell plan configuration.
This table shows the details of the credit pools, spending options, and excess credit rules.
Flex Plan Component |
Details |
Credits Provided to Pool |
Spending Option Enrollment Cost |
---|---|---|---|
Program Credit pool |
Spending options:
|
5 |
Commuter Plan: 10 Employee Plus Spouse: 20 |
Plan-level pool adds to program-level pool |
No spending options at this level. This level only provides credits. |
20 |
None |
Option-level pool adds to program-level pool |
No spending options at this level. This level only provides credits. |
30 |
None |
Excess credit treatment |
Use program level rules:
|
None |
None |
When a participant enrolls in the medical plan Employee Plus Spouse option and the commuter plan, this configuration calculates the credit balance at enrollment as follows:
-
Credits provided by the option level pool and added to the program pool: 30
-
Credits provided by the plan level pool and added to the program pool: 20
-
Credits provided by the program pool: 5
-
Total credits at the program pool: 55
-
Enrollment cost of Commuter plan and Employee-Plus-Spouse option: 30
-
Resulting credit balance after deducting enrollment cost from total credits: 25
The excess credit treatment rule treats the credit balance of 25 as follows:
-
Credits transferred to savings plan: 10
Balance: 15
-
Credits disbursed as cash: 5
Balance: 10
-
Credits forfeited: Remainder of 10
Balance: 0