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Your Guide to Health Insurance

Preparing for Open Enrollment

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There's no doubt that health insurance provides peace of mind. But what's it worth if you don't know what's in your plan?

CBS News reports that bad health care decisions can cost people $750 every year. Let us help you reduce your costs and make informed health care decisions by providing a guided worksheet so you can better prepare, understand your plan and determine your health care needs for the upcoming year.

Download Worksheet

In 4 easy steps, you can compare different plans, find which doctors and pharmacies are in network and calculate your overall maximum spend.

1. Prepare

Round up a few key pieces of info to make filling out the rest of the worksheet a breeze.

2. Find a Doctor

Choose an in-network doctor and hospital, so you can save the most on health care.

3. Find a Pharmacy

Find an in-network pharmacy and price medications to know what you are spending.

4. Assess Spending

Calculate out-of-pocket costs to compare plans and decide which plan is right for you.

Download Worksheet

HELPFUL RESOURCES

Still looking for more answers? Discover more details and information about your plan and the plans that you are comparing with these additional resources.

Need help defining a word or two?

View our glossary of health insurance words and phrases to know your plan even better.

Find a Doctor
Tool

Finding a doctor in your network can help you save money on your health care.

Find a Doctor

Find a Pharmacy Tool

Using our find a pharmacy tool, you can search medication prices to get the lowest cost.

Find a Pharmacy

Prescription Coverage

Know your plan's prescription drug list (PDL) to ensure your medications are covered.

View PDL

Access Your Online Account

Get the best health care experience by having your plan in your back pocket.

What is the difference?

Traditional (PPO) Plans

» Traditional PPO plans usually have copays and typically have a lower deductible
» Traditional PPO plans have a higher monthly premium than a QHDHP

Qualified High-Deductible Health Plans (QHDHP)

» QHDHPs have a lower monthly premium, but typically have higher deductibles
» QHDHPs have higher out-of-pocket maximums every year
» QHDHPs are eligible to be paired with a health savings account (HSA)

Which one is for you?

Traditional (PPO) Plan

A traditional plan, often called a PPO plan, typically offers lower deductibles and out-of-pocket costs than a QHDHP. If you prefer to spend less out-of-pocket on doctor and hospital visits throughout the year, you may want to consider a traditional plan.

QHDHP

QHDHPs are designed to put you in control of your health care spending. They pair with a HSA which allows you to put away dollars, tax free, to spend on your health care costs. If you are looking to save money on your monthly premium and are comfortable with the higher out-of-pocket costs, a QHDHP may be the plan for you.

Both Plans Provide:

Access to top doctors, specialists and hospitals
Preventive services with no out-of-pocket costs

Online tools and services to help you use your health care benefits
Exclusive discounts on health and wellness programs

Your Guide to Health Insurance

Preparing for Open Enrollment