Health Benefits

How does health insurance work?

Health insurance always starts with payment of the monthly premium.  Employees pay their share of the monthly premium allowing access to the insurance plan.  Premiums are taken from employee paychecks through payroll deductions.  Individuals covered by the plan visit physicians, pharmacies, etc. as needed and pay toward their plan's deductible.  A deductible is the amount of money covered individuals pay for treatment before the insurance plan begins to share in the cost.  After the deductible is paid, covered individuals and the insurance company each pay a percentage of medical treatment.  The individual pays a percentage of each treatment up to an annual out-of-pocket maximum amount.  The out-of-pocket maximum is the most an individual is potentially asked to pay in a year.  It always includes the medical deductible, but does not include premiums or pharmacy deductibles/out-of-pocket maximums.

Helpful Health Insurance Videos

Required Annual Notices

Children's Health Insurance Program Notice (CHIP)

HIPAA Privacy Notice

Americans with Disabilities Act (ADA) Wellness Program Notice

Women's Health and Cancer Rights Notice (WHCRA)

Medicare Part D Notice of Creditable Coverage

Health Exchange Notice