As an employee, having the opportunity to enroll in benefits is a perk to working for a great company. Whether you currently receive benefits from your employer or are just trying to discover what benefits may be right for you and your family, our guide can help point you in the right direction.
Core benefits - typically considered Medical Insurance, Dental Insurance, and Vision Insurance - are the primary benefits to consider. When choosing a health insurance plan, factor in your ability to comfortably afford your share of the premium, how often you plan to utilize your benefits, prescription drug costs, and whether or not your preferred doctors are in the plans network. A similar analysis should be done with dental and vision plans as well. To take our short quiz to determine what type of plans might be best for you.
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Ancillary benefits often don't get the same attention as core benefits, but can be just as important for you and your family. Whether your employer contributes to your ancillary benefits or not, take the time to understand your options and weigh the costs.
Many young people don't properly consider life insurance benefits because they believe that they either don't need the benefits or they don't have beneficiaries who would need the proceeds of a life insurance plan. However, purchasing a life-insurance plan when you're young will generally allow you to "lock-in" a lower rate and ensures you'll have coverage into the future, regardless of future health issues that may arise.
Regardless of age, consider the costs of a plan, whether or not you can take it with you if you leave your current employment, the likely future needs of your dependents, and the potential of not being able to enroll in a similar plan in the future. To evaluate your needs, take our ancillary benefits quiz by following the link below.
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Voluntary benefits oftentimes don't get the respect they deserve. With the advent of voluntary employee benefits, many employees can now tailor their benefits package to meet their individual needs. If you're a weekend warrior, an accident insurance plan can help pay for those sprained ankles and cuts you get from trying to relive your glory days. If your family has a history of cancer, buying a policy to cover many of the out of pocket expenses related to cancer treatment can ensure your financial security while you focus on recovery. If you've taken a pet for veterinary procedures, you know how expensive Fido can be, but with Pet Insurance you can get many of those costs covered.
Use voluntary benefits to complement your core and ancillary benefits so that out-of-pocket and unanticipated costs of medical treatment, like lost wages or transportation costs, won't be as big of a burden. Our team can explain all voluntary benefits to you and help you choose the plans that will be suit your needs.
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