The Value of Cancer Insurance

Helps those diagnosed with cancer to avoid financial hardship. These policies typically help with out-of-pocket medical expenses as well as indirect costs, like transportation or lodging.

The Value of Dental Insurance

If you typically need just checkups and an occasional filling, look at a preventative- services only plan. If you occasionally require more significant dental work, look for a plan that covers fillings, crowns, and other major services (which are typically covered at 50%)

The Value of Flexible Spending Account (FSA)

Tax-friendly accounts to save for medical, dental, vision and other qualified expenses. FSA dollars do not accumulate year over year. You can roll over and invest your HSA funds and save for future needs. You cannot contribute to both an HSA and a medical FSA (except a limited purpose FSA) in the same tax year.

The Value of Gap Insurance

Helps shield employees from unexpected out-of-pocket expenses. Gap policies are often paired with high-deductible plans, paying fixed-dollar benefits for hospital stays, outpatient surgeries and complex diagnostic procedures. Consider spending some of your HDHP premium savings on a gap policy. Policies differ and a few will make an HSA ineligible, so look at the fine print.

The Value of Hospital Indemnity Plans

Pays a fixed dollar benefit to help offset non-covered expenses in the event of a hospitalization. Consider spending some of your HDHP premium savings (versus a higher-premium plan) on an indemnity policy to offset an unplanned medical needs. Policies differ and a few will make an HSA ineligible, so look at the fine print.

The Value of HSA

The Value of Vision Insurance

If you need glasses, contacts or other vision correction, a vision plan can significantly offset your costs. Make sure your preferred opticians and brands are in the network to get full benefit of the coverage. Often covers most of the cost of an annual routine eye exam.

The Value of Voluntary Accident

Provides funds to pay for out-of-pocket and other expenses following an accident or injury. It fills your health insurance “gaps” and provides peace of mind when an unexpected accident leads to financial pressure. Check the policy for the specific list of accidents covered.

The Value of Voluntary Critical Illness

Helps those diagnosed with a qualifying critical illness avoid financial hardship. Policies typically include coverage for cancer, a severe heart condition, a stroke, Alzheimer’s disease, and other critical conditions. These policies typically help with out-of-pocket medical expenses as well as indirect costs, like transportation, lodging or lost wages.

The Value of Custom Dental Product

This is dynamic product.