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We’re here with the essential steps and insights you need to make the best decision for the year ahead."}],"markDefs":[],"style":"normal"},{"_key":"020f183409bb","_type":"block","children":[{"_key":"1de8a6186eb10","_type":"span","marks":[],"text":"Healthcare is confusing. Between the need-to-Google terminology and the ever-changing rules, it can be a headache to understand—but it’s also crucial to know how your plan works. Knowing your coverage makes it easier to choose the right plan "},{"_key":"1de8a6186eb11","_type":"span","marks":["em"],"text":"and"},{"_key":"1de8a6186eb12","_type":"span","marks":[],"text":" take full advantage of your current benefits. (You’re paying for them, after all.)"}],"markDefs":[],"style":"normal"},{"_key":"19932b31458f","_type":"block","children":[{"_key":"bd6d0ddc49b90","_type":"span","marks":[],"text":"To ensure you get the healthcare you need without surprises, we recommend carving out time during the Open Enrollment window to call your insurance provider, ask some important questions, and truly get to know your plan options."}],"markDefs":[],"style":"normal"},{"_key":"704cbde1f918","_type":"sectionHeader","headerLevel":"h2","title":"Step 1: Get Prepared to Research Your Options"},{"_key":"9fe04bd86b02","_type":"block","children":[{"_key":"d5a5bf2426f80","_type":"span","marks":[],"text":"Before getting on the phone with your insurance provider or logging into your benefits portal, take a few minutes to get ready."}],"markDefs":[],"style":"normal"},{"_key":"425536d66bfd","_type":"block","children":[{"_key":"d96072412853","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d6dad85682a","_type":"block","children":[{"_key":"8735d7e7e651","_type":"span","marks":["strong"],"text":"Gather Your Plan Documents"}],"markDefs":[],"style":"normal"},{"_key":"f42ce66d14ee","_type":"block","children":[{"_key":"71ae0696c6dc0","_type":"span","marks":[],"text":"Have the following documents from your current or potential plans handy:"}],"markDefs":[],"style":"normal"},{"_key":"2883f5fbd2ee","_type":"block","children":[{"_key":"71a2ad85c8020","_type":"span","marks":[],"text":"Your current insurance card."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"707f7a34c6bf","_type":"block","children":[{"_key":"487221ec374f0","_type":"span","marks":[],"text":"A copy of the plan’s "},{"_key":"487221ec374f1","_type":"span","marks":["strong"],"text":"Summary of Benefits and Coverage (SBC)"},{"_key":"487221ec374f2","_type":"span","marks":[],"text":"."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8bc5996ade97","_type":"block","children":[{"_key":"c291fb0f1b140","_type":"span","marks":[],"text":"Recent "},{"_key":"c291fb0f1b141","_type":"span","marks":["strong"],"text":"Explanation of Benefits (EOB)"},{"_key":"c291fb0f1b142","_type":"span","marks":[],"text":" statements, if applicable."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c595998f1ddc","_type":"block","children":[{"_key":"97a12ca8ec6b0","_type":"span","marks":[],"text":"A list of past and upcoming medical appointments or treatments, including any ongoing prescriptions."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f2d832669a8d","_type":"block","children":[{"_key":"782b3c8a7944","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ff74e7276320","_type":"block","children":[{"_key":"d089cfcf2d910","_type":"span","marks":["strong"],"text":"Review Your Medical History and Think About the Year Ahead"}],"markDefs":[],"style":"normal"},{"_key":"661e2ee51c41","_type":"block","children":[{"_key":"b837818b814a0","_type":"span","marks":[],"text":"Make a list of any ongoing health conditions (e.g., fertility treatments, chronic illness management) and medical needs for the upcoming year (e.g., planned surgeries, mental health support, family planning). Determine how your coverage needs might change based on lifestyle shifts, like starting a family or taking a new medication."}],"markDefs":[],"style":"normal"},{"_key":"77170071513a","_type":"sectionHeader","headerLevel":"h2","title":"Step 2: Key Questions to Ask When Comparing Plans"},{"_key":"89a062dc79ae","_type":"block","children":[{"_key":"174fabad576e0","_type":"span","marks":[],"text":"Getting a thorough understanding of your coverage involves asking some nitty-gritty questions. Use this list as a guide when speaking with an insurance representative or reviewing the "},{"_key":"174fabad576e1","_type":"span","marks":["strong"],"text":"Summary of Benefits and Coverage (SBC)"},{"_key":"174fabad576e2","_type":"span","marks":[],"text":" for a potential plan."}],"markDefs":[],"style":"normal"},{"_key":"a6c7e5b1b7d4","_type":"sectionHeader","headerLevel":"h3","title":"Coverage & Network Questions"},{"_key":"54c25e68f126","_type":"block","children":[{"_key":"2b83a9d1500c0","_type":"span","marks":[],"text":"Getting these answers will help you learn how your benefits work and how to make the most of them."}],"markDefs":[],"style":"normal"},{"_key":"cca49e88d4da","_type":"tableModule","subTable":{"rows":[{"_key":"8974759c-bd5f-4cdb-91fa-69e83157b11c","_type":"tableRow","cells":["Category","Key Questions to Ask"]}]},"table":{"rows":[{"_key":"fb8a0faf-e838-451f-9ca7-6ba5a496d023","_type":"tableRow","cells":["<b>General Coverage</b>","What is my <b>deductible</b>? How much do I pay before my plan starts covering care? What are my <b>out-of-pocket maximums</b>? Does my maximum include copays? Is there a <b>co-insurance</b> rate after my deductible is met? Do I have to select a <b>primary care provider (PCP)</b>?"]},{"_key":"0e841ae7-66e0-4a97-bcc4-2a7f27252f15","_type":"tableRow","cells":["<b>Network & Providers</b>","Is my current doctor or specialist <b>in-network</b>? Do I need a <b>referral</b> to see specialists (e.g., dermatologists, mental health professionals)? What are the rules for <b>out-of-network</b> providers?"]},{"_key":"bc5bc4d4-fb20-4ab5-8680-5247f966b8c4","_type":"tableRow","cells":["<b>Prescription Coverage</b>","Are my <b>prescription medications</b> covered? Is there a <b>formulary</b> I should review? What are the <b>co-pay amounts</b> for different types of prescriptions (generics vs. brand-name)?"]}]}},{"_key":"fa89de229fb2","_type":"sectionHeader","headerLevel":"h3","title":"Services & Treatments Questions"},{"_key":"c8f2f3313e4b","_type":"block","children":[{"_key":"3c398564997f0","_type":"span","marks":[],"text":"These questions help you dive deeper into what types of services are covered by your plan."}],"markDefs":[],"style":"normal"},{"_key":"10a821ede3cd","_type":"tableModule","subTable":{"rows":[{"_key":"bfc91828-2ef1-48db-ae07-c28de2f93885","_type":"tableRow","cells":["Category","Key Questions to Ask"]}]},"table":{"rows":[{"_key":"eb435882-6852-414f-8275-c180b8b0ae25","_type":"tableRow","cells":["<b>Preventive Care</b>","What preventive services are fully covered (annual physicals, vaccines, screenings)? Are annual preventive visits and counseling covered at 100% by insurance or will I have a cost share?"]},{"_key":"9d5d1431-d326-46de-a088-20377ad06ba2","_type":"tableRow","cells":["<b>Specialty Services</b>","Are mental health services covered, and if so, what types of care (e.g., therapy, psychiatry)? What alternative treatments are covered (e.g., acupuncture, chiropractic care)? Are there limitations on when these services will be covered?"]},{"_key":"805076de-f38a-4726-83fc-141c530ebbff","_type":"tableRow","cells":["<b>Chronic Conditions & Needs</b>","Does the plan cover care for chronic conditions (e.g., diabetes, asthma)? What fertility treatments are covered (e.g., IVF, egg freezing)? Are maternity services fully covered?"]}]}},{"_key":"5f3b6b44681d","_type":"sectionHeader","headerLevel":"h2","title":"Step 3: Finding Your Perfect Fit: Case Studies in Plan Selection"},{"_key":"3fdba81a79f5","_type":"block","children":[{"_key":"dd69b75bcaeb0","_type":"span","marks":[],"text":"The answers to the questions above will help you weigh the costs and benefits of each plan option. \n\nTo illustrate the choices, meet "},{"_key":"1e1656ed3ec1","_type":"span","marks":["strong"],"text":"Carly, Bea, and Alice"},{"_key":"8d0300c470c2","_type":"span","marks":[],"text":". Their scenarios will reference three different types of Insurance plans: the Gold PPO 2000, the Gold PPO 1000, and the HDHP 5000."}],"markDefs":[],"style":"normal"},{"_key":"e7c194e890c8","_type":"tableModule","subTable":{"rows":[{"_key":"89aef08e-1ab0-486c-898d-710ff82e2a88","_type":"tableRow","cells":["Plan","Premium / Deductible","Best For"]}]},"table":{"rows":[{"_key":"a9047c96-988f-47b6-8b0c-cfecf59444e3","_type":"tableRow","cells":["<b>HDHP 5000</b>","$50/month (Lowest) <b>/</b> $5,000 (Highest)","Healthy individuals who only anticipate needing routine preventive services and want a low-cost plan."]},{"_key":"4c8e3cf8-639d-4097-9cf0-e364013807e0","_type":"tableRow","cells":["<b>Gold PPO 2000</b>","$100/month (Low) <b>/</b> $2,000 (Mid)","Those who need specific covered services (like acupuncture) but don't expect frequent visits."]},{"_key":"18160790-6ce3-46a9-a366-a858b0344c17","_type":"tableRow","cells":["<b>Gold PPO 1000</b>","$200/month (Highest) <b>/</b> $1,000 (Lowest)","Those expecting frequent doctor’s appointments who need predictable costs (copays)."]}]}},{"_key":"681ea84f74d8","_type":"cta","backgroundColor":"bcb","text":[{"_key":"735495fa5daa","_type":"block","children":[{"_key":"e974c6801c320","_type":"span","marks":["strong"],"text":"Open Enrollment Alert: Government Uncertainty and Your Premiums"}],"markDefs":[],"style":"h3"},{"_key":"f74fd11119a4","_type":"block","children":[{"_key":"7b2e38e780320","_type":"span","marks":[],"text":"As you approach your Open Enrollment decision, be aware that the current government funding debate may have a significant and immediate impact on your costs."}],"markDefs":[],"style":"normal"},{"_key":"932f70b20278","_type":"block","children":[{"_key":"cfaf2acf9b860","_type":"span","marks":[],"text":"A key point of dispute causing the current federal government shutdown is the potential expiration of the "},{"_key":"cfaf2acf9b861","_type":"span","marks":["strong"],"text":"Affordable Care Act (ACA) enhanced premium tax credits (subsidies)"},{"_key":"cfaf2acf9b862","_type":"span","marks":[],"text":" at the end of the year."}],"markDefs":[],"style":"normal"},{"_key":"78819ea20967","_type":"block","children":[{"_key":"1df3dccc523d0","_type":"span","marks":["strong"],"text":"What This Means for You:"}],"markDefs":[],"style":"normal"},{"_key":"34c894a9b4dd","_type":"block","children":[{"_key":"8d72b6ee200e0","_type":"span","marks":[],"text":"If these enhanced subsidies are "},{"_key":"8d72b6ee200e1","_type":"span","marks":["strong"],"text":"not extended"},{"_key":"8d72b6ee200e2","_type":"span","marks":[],"text":" by Congress, millions of Americans who purchase their coverage on the ACA Marketplace could face a dramatic increase in their monthly premium payments—in some cases, seeing costs more than double."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ac14b4874d79","_type":"block","children":[{"_key":"ee157d77c15e0","_type":"span","marks":["strong"],"text":"Actionable Step:"},{"_key":"ee157d77c15e1","_type":"span","marks":[],"text":" The rates you see quoted during Open Enrollment may reflect the loss of these subsidies. It is vital to ask your Marketplace or insurer how the ongoing debate will affect your final, out-of-pocket premium. Check for communications from your state or the federal marketplace regarding rate changes and the subsidy status."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"1540bcefad74","_type":"sectionHeader","headerLevel":"h2","title":"Case Study 1: Carly's Open Enrollment Choice - Prioritizing Low Premiums"},{"_key":"d22643ea975e","_type":"block","children":[{"_key":"60db67098b930","_type":"span","marks":["strong"],"text":"Healthcare needs:"},{"_key":"60db67098b931","_type":"span","marks":[],"text":" Carly is rarely sick and doesn’t expect to need frequent medical care, but wants to stay prepared in case of emergencies. She’s also focused on maintaining her health through preventive care."}],"markDefs":[],"style":"normal"},{"_key":"9ae989fccd04","_type":"block","children":[{"_key":"de856952decf0","_type":"span","marks":["strong"],"text":"Plan chosen: HDHP 5000"}],"markDefs":[],"style":"normal"},{"_key":"5d3af1ba0eb4","_type":"block","children":[{"_key":"b1fc8ae120dc0","_type":"span","marks":["strong"],"text":"Carly’s reasoning:"}],"markDefs":[],"style":"normal"},{"_key":"fc5161a18576","_type":"block","children":[{"_key":"d16ff68525870","_type":"span","marks":[],"text":"Carly isn’t expecting many doctor visits but wants to make sure her "},{"_key":"d16ff68525871","_type":"span","marks":["strong"],"text":"preventive care is covered"},{"_key":"d16ff68525872","_type":"span","marks":[],"text":", which the HDHP 5000 plan offers."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"391815456397","_type":"block","children":[{"_key":"7901db7b5d2c0","_type":"span","marks":[],"text":"The "},{"_key":"7901db7b5d2c1","_type":"span","marks":["strong"],"text":"lower premium of $50/month"},{"_key":"7901db7b5d2c2","_type":"span","marks":[],"text":" works well with Carly’s budget, and she’s comfortable with the higher $5,000 deductible since she rarely needs medical attention."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9f4b6e55267c","_type":"block","children":[{"_key":"a429f408bf5a0","_type":"span","marks":[],"text":"Carly’s focus for the Open Enrollment decision is on saving money while still ensuring she’s protected in case of emergencies."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"caae50dd8494","_type":"block","children":[{"_key":"ce482af51d820","_type":"span","marks":["strong"],"text":"Plan benefits for Carly:"}],"markDefs":[],"style":"normal"},{"_key":"8fd070c475a9","_type":"block","children":[{"_key":"ba66164643950","_type":"span","marks":[],"text":"Full coverage for preventive services without needing to meet the deductible."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2dd981077207","_type":"block","children":[{"_key":"7b24ea5ee9380","_type":"span","marks":[],"text":"Lower monthly premiums that allow her to save more."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b6a611e078dd","_type":"block","children":[{"_key":"5f7d304060890","_type":"span","marks":[],"text":"Out-of-pocket costs are manageable because Carly doesn’t foresee major medical expenses in the coming year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1b371ab44b73","_type":"sectionHeader","headerLevel":"h2","title":"Case Study 2: Bea's Open Enrollment Choice - Managing Ongoing Care"},{"_key":"5dd2dab3091a","_type":"block","children":[{"_key":"ab5c06eb37cf0","_type":"span","marks":["strong"],"text":"Healthcare needs:"},{"_key":"ab5c06eb37cf1","_type":"span","marks":[],"text":" Bea was recently diagnosed with PCOS and needs regular doctor visits, lab work, and fertility consultations. 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Depending on the care you receive, this could look like: the total amount owed for care might be $500, but the total due this month is $250. This method offers a clear, manageable way to handle medical expenses, allowing you to focus on what truly matters—your health."}],"markDefs":[],"style":"normal"}],"textAboveMedia":false,"videoDisplay":"container"},{"_key":"1eaa1d5efd4f","_type":"standardText","backgroundColor":"bccream","spacing":"pys","text":[{"_key":"1177301216b6","_type":"block","children":[{"_key":"560e7e8612fd","_type":"span","text":"Benefits of Predictable Payments:"}],"style":"h3"},{"_key":"4405ed31e402","_type":"columnText","items":[{"_key":"6bc3e3e01263","_type":"plainText","text":[{"_key":"2648b9147137","_type":"block","children":[{"_key":"734ea0029e80","_type":"span","marks":[],"text":"1. $250 Capped Invoices"}],"markDefs":[],"style":"h4"},{"_key":"da8fee1a7b4f","_type":"block","children":[{"_key":"a9b4bb678414","_type":"span","marks":[],"text":"One of the biggest benefits of this payment method is predictability. With a consistent $250 cap, you can budget with confidence and avoid fluctuating or surprising bills. We know that some months you may need more time to pay, and that’s ok. Our goal is to remove financial stress so you never delay the care you need."}],"markDefs":[],"style":"normal"}]},{"_key":"62f372e57485","_type":"plainText","text":[{"_key":"bd954e81fe00","_type":"block","children":[{"_key":"64ea8b43befd","_type":"span","text":"2. One Invoice, One Time a Month"}],"style":"h4"},{"_key":"aa39c7628804","_type":"block","children":[{"_key":"bbace43f0410","_type":"span","text":"The healthcare billing process can be complicated and confusing. Our new method simplifies this by providing clear, straightforward billing. 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