Over the years, your employer has been faced with the dilemma of double-digit rate increases on health plans.  Until now, the choices have been:

1. Reduce your benefits so the premium reduces

2. Pass the extra cost on to you

3. Eliminate the plan completely

Well, none of these choices are acceptable to your employer!

Your employer has decided to take on the risk and responsibility of providing your benefits in a new way, which helps control cost but maintains great benefits for you. 

This section is designed to help you understand your plan and give you the tools to best benefit from it.