Introductio n Eligibility
FLEXIBLE SOLUTIONS TO MEET YOUR BENEFIT NEEDS
CONTROLLING COST...WHAT YOU CAN DO
We consider our employee benefits program to be one of our most important investments. Because we recognize the value our employees bring to our company, we are committed to providing you with a complete benefits program as part of your total compensation. This guide has been prepared to assist you in making informed decisions regarding your employee benefits. We urge you to read this guide carefully and keep it as a reference. If you are well-informed, you will be better able to make the benefit choices that best meet your needs. When making your choices, you should consider: • The benefits offered • The cost of coverage • Physicians and facilities available • Any ongoing medical needs for you and your family
In light of increasing health care costs, there are steps you can take to manage your out-of-pocket health care expenses. Use the following tips to save time and money:
• Always confirm that your physician, eye doctor, and dentist are still part of the network by calling the customer service number on your ID card or visiting the carrier’s website. • Check your area for urgent care center locations as an alternative to emergency room services. Only visit the emergency room in the case of a true emergency. You can also use telemedicine to help treat a wide range of non-emergency medical conditions. • Use generic prescriptions, if available. Ask your doctor for a generic drug or request the generic equivalent when having your prescription filled. • Save time and money by taking advantage of the mail order prescription service. This service works best for maintenance drugs that you take throughout the year. Mail order is convenient; prescriptions are delivered right to your door.
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