Navigating the realm of healthcare savings can be a daunting task, with acronyms like FSA and HSA often causing confusion.
Physical fitness is more than just a fleeting trend; it is a lifelong journey towards optimal well-being and vitality.
Need help? Answer a few questions and get recommendations customized for you.
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Do you expect to add a new member to your family this year (via birth or adoption)?
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Do you or a dependent take any regular prescription medications?
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Do you have any major medical procedures or surgeries planned for the upcoming year?
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If you had an unexpected $3,000 medical bill today, would you prefer to pay it from savings or have a lower deductible plan?
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How often do you anticipate visiting a doctor for non-routine care (illness, specialists, etc.)?
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Do you currently have at least 3–6 months of emergency savings in the bank?
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Do you wear glasses or contacts, or do you expect to need major dental work (like braces or crowns) this year?
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Are you interested in setting aside pre-tax dollars to pay for childcare or elder care expenses?
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Do you own a pet and would you like to see options for pet insurance?
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Are you planning to retire within the next 5 years?
Here are recommendations based on your selections.
We’ll prioritize plans with low maternity/delivery costs and robust pediatric networks.
We’ll focus on standard coverage options for your current household size.
We’ll look for plans with fixed co-pays for brand-name or maintenance medications.
A balance of moderate premiums and fair prescription coverage is likely best.
A plan with a lower ‘Out-of-Pocket Maximum’ will likely save you the most money overall.
A plan with a lower ‘Out-of-Pocket Maximum’ will likely save you the most money overall.
You can likely opt for a lower-cost plan and save the difference in an HSA.
High-Deductible Health Plans (HDHP) offer lower premiums and tax-advantaged savings.”
A PPO plan offers more predictable costs, even if the monthly premium is higher.”
We recommend plans with low co-pays for specialist visits to keep costs predictable.
A standard mid-tier plan offers a balance of cost-sharing and monthly savings.
A ‘Catastrophic’ or HDHP plan might be the most cost-effective way to get coverage.
You are a great candidate for an HSA-eligible plan to grow your wealth tax-free.
We recommend a plan with a lower deductible to protect you from high unexpected costs.
We’ll show you ‘Premier’ dental and vision buy-up options for higher coverage limits.
A ‘Basic’ preventive plan will cover your annual cleanings and exams at the lowest cost.
You could save up to 30% on care costs by using a pre-tax Dependent Care FSA.
We will exclude the Dependent Care FSA from your recommended tax-savings strategy.
We’ll display our group discount rates for accident and illness coverage for your furry friends.
No problem—we’ll skip these voluntary benefits in your final summary.
We’ll highlight ‘Catch-up Contributions’ and Medicare transition resources for you.
We’ll focus on long-term growth strategies and maximizing your employer match.