The Employee’s Guide to Health Benefits

Health Benefits Denver, COFollow these tips to make sure that you are getting the most out of your employer-sponsored health care.

Employer provided health benefits can help to ensure you have the coverage you need in case of any medical issues you face. To help you get the most out of your health benefits, keep this simple guide in mind.

  • Know your options – take a look at all the health benefit options that are offered by your employer to ensure that you are taking advantage of the best one for your specific needs. The more information you have about your options, the better decision you can make.
  • Consider the quality – make sure to take the time to consider the quality of all of the health plans that are offered to you. Keep in mind that not all hospitals, doctors, and other health care providers will offer the same quality of care. You want to find the highest quality care that you can comfortably afford.
  • Look at your Summary Plan Description (SPD) – get a copy of your plan’s SPD from your plan administrator so that you can become more familiar with your benefits, as well as your legal rights under the Employee Retirement Income Security Act (ERISA). Your SPD will contain the information you need about the coverage for your dependents, when you can terminate or change your benefits plan, and what services will require a co-pay.
  • Know what to do if a claim is denied – you have the chance to appeal any claims that are denied. Make sure you keep records of all of your correspondences between yourself and your insurance company throughout the appeal.

For more information on your employee health benefits, contact the experts at Colorado Nonprofit Insurance Agency in Denver, Colorado. We will work with you to ensure you are getting the most out of your coverage.