Health Benefits 101
Choosing a health plan that is right for you and your family means assessing your needs and evaluating your plan options. It's important to pick a plan that provides the coverage that your family needs while keeping your health costs manageable.
In Health Benefits 101, we will review information to consider when selecting a healthcare plan as well as how to be an informed healthcare consumer. We’ll cover:
- Types of Health Plans - All the Medical Trust plans provide care through a network of doctors, dentists, hospitals, pharmacies, laboratories, and other providers. But each type of plan (PPO, EPO, CDHP) works a bit differently. Understand the differences so you can choose an effective plan for your family.1
- Choosing a Medical Plan – Key questions to consider that can help you identify your family’s needs and evaluate your plan options.
- Your Role as a Healthcare Consumer – Beyond choosing a plan, being a responsible healthcare consumer means making informed decisions about when you need medical care and evaluating the care choices available to you. Taking an active role can help you be healthier and save money.
- Insurance Terms and Acronym Guide – Understand the language used in the plan documents and by the healthcare industry, as well as often-used acronyms.
If this is the first time you are selecting a Medical Trust plan, or you are in the Annual Enrollment period, be sure to review Annual Enrollment for information about the specific plans available to you.
1 Some fully insured plans offered on a regional basis (Hawaii Medical Service Association and Kaiser Permanente Washington) provide an HMO option.