Benefits Education Videos

Not sure what the difference is between an HMO and a PPO? Wondering what accident insurance covers? Get the answers to these and many other benefits conundrums in these bite-sized videos.

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Understanding Voluntary Benefits

What is
Accident Insurance?

Accident insurance is essential for active families or those who may not have the savings to cover expenses related to an accidental injury or unexpected surgery.

What is
AD&D Insurance?

Accidents are the fourth leading cause of death in the United States. That’s why accidental death and dismemberment insurance is worth knowing about.

What is
Cancer Insurance?

The cost of treating cancer poses an enormous strain on those who suffer from the disease and their families. Cancer insurance can help ease this financial burden.

What is Critical
Illness Insurance?

Critical Illness Insurance pays you a lump sum benefit in the event that you or your spouse are diagnosed with an illness like cancer, stroke or heart attack.

What is
Hospital Insurance?

Hospital Indemnity Insurance is supplemental insurance that helps you pay for expenses incurred during a hospital stay that are not covered by health insurance.

What is
Life Insurance?

When you depart this world, your loved ones could be left with a lot of expenses and no way to pay them. Life insurance can help ensure financial stability.

What is Long-Term
Care Insurance?

Long-Term Care Insurance helps you pay for expenses if you are unable to perform basic activities for an extended period due to illness, injuries or disabilities.

What is Long-Term
Disability Insurance?

Long-Term Disability Insurance provides financial protection if you are unable to work for an extended period of time due to a serious accident or illness.

What is Short-Term
Disability Insurance?

Short-Term Disability is an insurance plan that is designed to replace a portion of your paycheck if you are unable to work due to an off-the-job sickness or accident.

Understanding Benefits

Everything you need to
know about COBRA

COBRA provides the ability for you and the dependents covered on your health plan to keep coverage after you lose your job or lose coverage for other reasons.

What is
defined contribution?

With a defined contribution, companies provide one lump sum of money and YOU get to decide how to spend it on selection of benefits options.

What is Evidence
of Insurability (EOI)?

Some insurance plans require you to show you are in good health. This is called Evidence of Insurability, or EOI, and is most common with life and disability plans.

New What is
the Form 1095-C?

All full-time employees at companies with more than 50 full-time employees will now receive a Form 1095-C to report health care coverage offered by employers.

New What is
Open Enrollment?

There are specific times when you can sign up for or change the benefits offered by your employer. The most common time to do this is open enrollment.

When can I
make changes?

There are only certain times when you can enroll in benefits or make changes – when you’re first hired, during open enrollment, or after a qualifying life event.

Understanding Savings Accounts

New Everything you need to know about 401(k)s

A 401(k) is a retirement savings plan sponsored by an employer that lets you save and invest a piece of your paycheck before taxes are taken out.

Everything you need to
know about Health FSAs

A Health Flexible Spending Account (FSA) is a pre-tax savings account that can be used for out-of-pocket healthcare expenses, such as medications and copayments.

Everything you need to
know about Dependent Care FSAs

A Dependent Care Flexible Spending Account (FSA) is a pre-tax account that can be used for day care, elder care, and even care for dependents with disabilities.

Everything you need to
know about HSAs

A Health Savings Account – or HSA – is a savings account used to put pre-tax dollars aside specifically for your out-of-pocket health expenses.

Understanding Health Insurance

What is
a Copay?

A copay is a fixed, set amount of money you must pay each time you visit the doctor or purchase medication when using your health insurance plan.

What is
Coinsurance?

Coinsurance is the percentage of medical expenses shared by you and your insurance company after you have reached your deductible.

New What is
Dental Insurance?

Dental work is usually not covered by standard medical insurance, so voluntary dental insurance can fill this gap in coverage and keep you smiling.

New What is
In- and Out-of-Network?

In-network health care providers have agreements with your insurance carrier and will typically offer services at a set rate. Out-of-network providers do not.

Understanding Premiums, Deductibles, Copays and Out-of-Pocket Maximums

Premiums, Deductibles, Copays
and Out-of-Pocket Maximums

These terms describe how much you pay out of your paycheck, how much you or your insurance pays for doctor visits and the maximum you will pay per year.

Understanding Medical Plan Types

HMOs, PPOs
and HDHPs

Medical plans differ in how much you pay out of your paycheck versus how much you pay at the doctor and how much freedom you have in choosing a doctor.

PPOs and
HDHPs

Both give more options for doctors than an HMO. PPOs cost more per month, but have a lower deductible. HDHPs have lower monthly costs, but higher deductibles.

What is
an HMO?

A HMO is a medical plan that typically has a lower monthly cost than other types of plans, but does not give you as much freedom when choosing a doctor.

What is
a PPO?

A PPO allows you to choose from a larger pool of doctors than other plans, requires a copay and typically has a higher monthly cost than other plans.

What is
an HDHP?

HDHP cost less per month, but have a higher deductible. A health savings account can cover out-of-pocket health expenses before you hit your deductible.

Email Templates

Get the word out! Use these templates to educate
employees on the benefit topics in our video library.

 

Use this template to remind folks of when they can enroll and make changes to their benefits selections. Great for a midyear reminder!

This template explains the defined contribution benefits model. Send it out when you make the big switch from defined benefits.

Send this email to new employees to educate them on benefits concepts to prepare them for enrolling in your benefits.

Email-Open-Enrollment

Help your employees understand benefits terminology with this email and make open enrollment easier and more enjoyable.