Wyoming BlueLevel Funded

For businesses with as few as 15 enrolled employees.

Wyoming BlueLevel Funded plans, a new solution for Wyoming businesses that offers financial stability with a fixed monthly premium, along with the advantages of self-funding for potential savings.

Ideal for employers who:

Prefer a consistent monthly amount
Want to share in savings when claims run well, but do not want to pay more if claims run worse than expected
Are interested in understanding how their health plan is performing
Want to help their employees be engaged in their health

For details about Wyoming BlueLevel Funded, please see the plan brochures below.

Wyoming BlueLevel Funded Low Deductible

Wyoming BlueLevel Funded Moderate Deductible

Wyoming BlueLevel Funded High Deductible

Wyoming BlueLevel Funded High Deductible Plan HSA-Eligible

Ready to Make Blue Work for You?

Our staff will help you build a benefit plan that meets your requirements and fits within your budget.

Call us: 1-800-851-2227

Call Us Now

Comprehensive Coverage

Low, moderate and high-deductible plans

HSA-eligible, high-deductible plan

Prescription drug coverage

Mental health & substance abuse

Preventative care

24/7 Telehealth Services Powered by MDLIVE

Extensive Provider Network in Wyoming, across the country, and around the world.

With BCBSWY, you have access to...

Over 98% of Wyoming providers

100% of Wyoming hospitals

Over 97% of hospitals nationwide

Over 83% of physicians nationwide

Access to doctors and hospitals in over 170 countries and territories around the world.

Access to more than 55,000 pharmacies in Wyoming and nationwide.

Supplemental Products

Flexible Spending Account (FSA)
High Deductible Health Plans that are Health Savings Account (HSA) eligible
Health Reimbursement Arrangement (HRA)
Premium Only Plan (POP)
Voluntary Life Coverage
Accidental Death Coverage
Short and Long Term Disability
Dental Only Plans
Vision Only Plans
Employee Assistance Program

Administrative Services

Automatic claims filing
Cost containment programs
Pre-admission review
Utilization review
Catastrophic case management
Coordination of benefits
COBRA administration

This outline does not cover all information contained in the benefit document. Limitations and exclusions do exist. This outline is not a contract. For exact plan benefits and limitations, please request a copy of the benefit document by calling
800-851-2227.

Explore our Provider Network

Employer News

Let us help keep you up-to-speed with large group employer updates and news.

Explore any of our quarterly newsletters below

2024

2023

2022

Employer FAQ

The Employer FAQ answers questions about accessing your employer account, billing issues, and products from BCBSWY.

Click to Learn More

Employer Toolkit

The Employer Toolkit features resources and materials to help your employees understand the health care coverage.

Click to Learn More

Employer Forms

Download and print commonly used Employer forms.

Click to View

Explore our Provider Network

Employer News

Contact BCBSWY

Find an Agent

Explore our Provider Network

Dental and Vision Only Plans

Blue Cross Blue Shield of Wyoming offers dental and vision only benefits for your business.

Our comprehensive vision coverage lets you focus on your employees with clear coverage from any provider.

Our comprehensive dental coverage gives your employees and their families something to smile about.

For details about Dental and Vision products download the plan brochure:

Ready to Make Blue Work for You?

Our staff will help you build a benefit plan that meets your requirements and fits within your budget.

Call us: 1-800-851-2227

Find An Agent

Comprehensive Dental and Vision Coverage

Extensive nationwide network

Optional orthodontia

Annual exams

Extensive nationwide network

Out-of-network allowance

Annual exams

Extensive Dental and Vision Network in Wyoming, across the country, and around the world.

With BCBSWY, you have access to...

More than 200 local dental providers in Wyoming

More than 80,000 participating dental providers nationwide

More than 102,000 participating eye care providers nationwide

Explore our Provider Network

Employer Toolkits

Resources and materials to help your employees understand the health care coverage.

Not Finding What You're Looking For?

We're here to help, Monday - Friday 8:00am to 5:00pm

1-800-851-2227

Click to Give Us a Calll

How to Register for Your Member Site

Download Guide

How to Access YTD Accum Information

Download Guide

Employer Site Training Guide

Download Guide

Member Site Flyer

Download Flyer

Member Site Poster

Download Poster

Understand Your HDHP and HSA

Watch the Video

Rx Tools

Find important information on your prescriptions, including how to select a pharmacy, request prescription benefits, and more.

Explore our Provider Network

Employer FAQ

Frequently Asked Questions

The answers you need about accessing your employer account, billing issues, and products from BCBSWY.

Employer Site

Tell me more about the employer site?

Your employer site enhances how you manage your company’s BCBSWY health plan.
You’re able to:

View a summary of your group’s plan(s)
Enroll, cancel and reinstate employees and their family members
Experience real-time enrollment processing and 24-hour turnaround
See enrollment status and history for each employee
Make updates to employee information
Monitor a census of employees
Collect Medicare status
Manage COBRA members
See your bill and make a payment
Get SBCs and Benefit Booklets
See your group master agreement
Provide support to employees with benefit information, forms and more*
Access wellness tools
Maintain a record of employees with other coverage
View claims (if designated by BCBSWY)
Find employer resources including forms and administration guides

What training resources are available for employers?

We think you’ll find the employer site to be intuitive and easy to use. However, if you need additional assistance you can download and print this Employer Site Training Guide.

What materials are available to distribute to my employees?

If you would like to distribute information, you can download and print this Member Site Flyer to give to your employees.

How do I get access to the new employer site?

You need to complete a site authorization form to gain access to the employer site. Contact your BCBSWY agent to complete the form. You will receive an email from BCBSWY online services with a link to finalize the registration.

Billing

Fully Insured Groups

What billing changes can I expect?

After you complete the employer site registration process you can log in to the site and access the enhanced e-Bill feature, which allows you to make electronic payments, see invoices and view billing reports. Invoices are generated on the 5th of every month and due on the 1st of the following month. The e-Bill system can automatically notify you when your invoice is available or if a payment is returned.

Can I still pay my invoice mailing a check or money order?

We recommend payment electronically thru EFT using e-Bill in the employer site. If you prefer to mail a check or money order, please note the new mailing address below:

Blue Cross Blue Shield of Wyoming
PO Box 173704
Denver, CO 80217-3704

Be sure to include the remit coupon with your payment to avoid delay in processing your payment.

Tell me more about the new billing reports?

We’re excited to offer new supplemental billing reports to help you understand the costs of your health plan.

For more information see:

Self-Funded Groups

What billing changes can I expect?

After you complete the employer site registration you can log in to the site and access the enhanced e-Bill feature, which is where you will go to make electronic payments, see invoices and view billing reports. The new e-Bill system will automatically notify you when your invoice is available and the status of each payment transaction.

Claims invoicing occurs each week on Wednesday, and payment is due 24 hours after invoice notification. The invoice includes paid claim expenses from the prior Saturday through close of business Friday.

Administrative expenses will generally be invoiced on the last Wednesday of every month.

View the 2024 Billing Calendar

Tell me more about the new billing reports?

We’re excited to offer new supplemental billing reports to help you understand the costs of your health plan.

For more information see:

Self-Funded Billing Guide

Products

Dental

Tell me more about Dental benefits?

BCBSWY offers a wide array of dental products. For some of these products, we have a claims processing service using United Concordia Dental (UC). Dental benefits are BCBSWY products, and BCBSWY develops, prices, markets and assumes risk for these Blue Dental products. Our members select dental benefits through BCBSWY.

The BCBSWY dental network remains the same, but members also gain access to the Advantage Plus network. This arrangement allows us to leverage the experience of a national expert with 8.5 million members nationwide, while maintaining a local brand.

Vision

Tell me more about Vision benefits?

BCBSWY uses Davis Vision as our claims processing service for our vision services products. Vision benefits are BCBSWY products, and BCBSWY develops, prices, markets and assumes risk for these Blue Vision products. Our members select vision benefits through BCBSWY and members have a single membership card and member ID number. Davis Vision provides claims administration services and makes its line of products and materials available to our members.

Davis Vision is a national provider network of ophthalmologists, optometrists and retailers with more than 70,000 points of access in both private practice and retail settings. Our members have access to a national network of eye care providers, which is important for many of our employer groups with employees who live outside of the state of Wyoming.

This arrangement allows us to leverage the experience of a national vendor with 85 million members nationwide, and more than 60 years’ experience in the industry.

Life and Disability Insurance

Tell me about Group Life and Disability Insurance?

BCBSWY uses Dearborn National to support group life and/or disability insurance for administration, billing, and premium collection services for our clients. This means clients have access to the Dearborn National Benefits Manager Portal. The portal offers one-stop access to view a summary of life and disability claim history, submit AD&D claims directly online, add new employees and dependents in real-time, download and pay bills electronically and more.

Dearborn National invoices clients directly. Premium payments should be directed to:

Dearborn National Life Insurance Company
36788 Eagle Way
Chicago, IL 60678-1367

Spending Accounts

Overview

Tell me more about spending accounts?

BCBSWY uses FurtherSM as the administrator of our spending account products. This relationship helps us offer leading technology for the growing number of consumers choosing spending account products. Further brings 29 years of expertise with proven industry best practices to the spending account arena.

What are the hours of operation of the Further customer service center?

Members will enjoy 24/7 customer service access thru the online Further Member Service Center. You can also reach Further by calling (800-859-2144) Monday-Friday from 6:00 am – 7:00 pm MT.

Contract Questions

What should I expect next in the contracting process?

Further will contact you when needing a new service agreement.

What administrative changes can I expect?

Further processes claims and expenses daily and clients will receive an invoice weekly directly from Further. You also have access to an online site with all the tools you’ll need to manage member enrollment and eligibility, run reports, see group specific product information, and get banking information for claim reimbursement invoices, administrative fee invoices, and contribution files.

Further does not hold FSA/DCAP or HRA payroll elections for groups.

What if I am an existing group that is renewing?

You will complete the Further Change Renewal form only if you have plan design changes, the form is not necessary if no 2020 plan design changes are being made. Please contact your BCBSWY agent for this form. You may also access this form on Learn.HelloFurther.com

Further Portal

How can employers access the Further employer portal?

You will be asked to identify designated contact(s) for the group. Those who have been identified will receive an auto generated email with steps to log in to the portal.

If I have not received an email from Further with instructions on how to sign on to the portal, what should I do?

The designated contact for the group will receive an auto generated email with steps to sign in to the portal. If you have not received this email, ensure the plan design guide has been fully completed and the email has not gone to your spam folder. If you still have not received the email, contact your BCBSWY agent or call the Further Group Leader line at 888-460-4013.

Employee Support

How can employees get more information about their new spending account regulations and guidelines?

Further offers a Learning Center with resources that you can provide your employees to guide them on spending account regulations at Learn.HelloFurther.com

What will employees receive when a new spending account is open?

Employees can expect to receive a welcome letter and verification form in the mail 5-7 days after they are enrolled. It will include the spending account identification number, which can be used to create a member profile at HelloFurther.com.

COBRA Administration

Tell me about COBRA administration?

BCBSWY uses Lifetime Benefit Solutions (LBS) to support COBRA administrative, billing, and premium collection services for our clients. LBS provides the required COBRA notifications to qualified beneficiaries, ensuring compliance with all applicable COBRA laws and requirements.

Our arrangement with LBS provides convenient online access for billing, enrollment, and online payment, including automatic direct debit from bank accounts, through LBS’s Member Web Portal. COBRA groups and members will receive the most up-to-date information regarding initial notices for new hires and qualifying life event notifications and/or extensions.

Not Finding What You're Looking For?

We're here to help, Monday - Friday 8:00am to 5:00pm

1-800-851-2227

Click to Give Us a Calll

Rx Tools

Find important information on your prescriptions, including how to select a pharmacy, request prescription benefits, and more.

Explore our Provider Network

Wellness Programs

Encourage a culture of health in your organization

If your organization is like most, unhealthy employees outnumber those who are healthy. That takes its toll in terms of absenteeism and lost productivity.

We make it easier for your employees to live healthier lifestyles with:

Health Assessment and Fun Wellness Tools

Your employees can get a picture of their health and find tips and fun tools to make choices that are good for them.

A simple online questionnaire will ask about nutrition, weight management, physical activity, stress, and other health related topics. Based on the answers, each employee will be given tailored tips to help make healthy improvements.

They’ll also find fun wellness tools like a symptom checker, healthy recipes, wellness videos and slideshows, healthy calculators, and much more.

Encourage your employees to check it out by logging into their account at YourWyoBlue.com and getting started with the Health Assessment.

Preventative Care

BCBSWY benefits for wellness and preventive services.

Ready to Make Blue Work for You?

Our staff will help you build a benefit plan that meets your requirements and fits within your budget.

Call us: 1-800-851-2227

Call Us Now

Explore our Provider Network

Contact Us

Employer Questions, Answered.

You’re in the right place.

Please complete the form below. Information is confidential and will not be shared with individuals outside of BCBSWY.

Contact BCBSWY

Find an Agent

Explore our Provider Network

SMALL GROUP PLANS

Health Care Solutions for 50 or Fewer Employees

Wide range of Small Group health plans to fit your specific needs.

Here to meet your needs

EXPLORE PLAN OPTIONS

There’s a lot to consider when deciding which health plan is best for your employee needs. Compare plans and learn what information you need to get started.

CORE
Good option if… You want to offer a high deductible health plan that can be paired with a Health Savings Account that allows your employees to set aside money aside in a tax-free account.

Zero costs for covered preventive services
Higher copays with a lower monthly premium
HSA Eligible
Higher annual deductible

	HSA ELIGIBLE
	GET A QUOTE

CLASSIC
Good option if… You want to offer employees traditional health insurance coverage that starts paying sooner.

Zero costs for covered preventive services
$10 copay for 24/7 Urgent Care and Behavioral Health Visits via MDLive
$5 copays on generic drugs
Reduces cost barriers for employees to access care

	$10 TELEHEALTH VISITS
	GET A QUOTE

HEALTHPLUS
Good option if… You want to offer your employees a health plan with special benefits for managing chronic health conditions.

Zero costs for covered preventive services
Lower copay for primary care office visits
$5 copay on generic drugs
$10 copay for 24/7 Urgent Care and Behavioral Health Visits via MDLive
Lower costs or no-cost for certain drugs for treating chronic illness (view drug list)
Lower costs or no-cost for lab tests to monitor and treat chronic illness such as diabetes, hypertension, coronary artery disease, chronic heart failure or asthma

	MANAGE CHRONIC ILLNESS
	GET A QUOTE

VALUE
Good option if… You want to offer employees a plan encouraging health maintenance while providing a safety net against large medical costs in case of a major injury or illness.

Zero costs for covered preventive services
Higher copays with a lower monthly premium
$20 copays on generic drugs (after RX deductible is met)
$10 copay for 24/7 Urgent Care and Behavioral Health Visits via MDLive

	LOWER COST RX COVERAGE
	GET A QUOTE

BASIC
Good option if… You want to offer employees a straightforward plan to cover large medical costs in case of a major injury or illness. High deductible plan that once met pays 100%.

Zero costs for covered preventive services
Higher copays with a lower monthly premium
Safety net coverage for major illness or injury
Pays at 100% once deductible is met

	SAFETY NET COVERAGE
	GET A QUOTE

CHOOSING YOUR METALLIC LEVEL
Comparing plans…

All BlueSelect Health Insurance Marketplace plans are categorized as Bronze, Silver, or Gold. Generally, Gold pays more of your total health care costs, while Silver and Bronze pay less.

Decide which metallic level is best for you…

GOLD

Foreseeable Health Needs

Pay more each month, but spend less when receiving care
Best suited for individuals with chronic conditions or ongoing prescription needs

SILVER

Cost-Sharing Reduction Plan

Balanced monthly premiums and out-of-pocket costs
Provides additional savings qualifying individuals*
Designed for lower-income households

BRONZE

Fewer Health Needs

Lowest monthly premiums, but higher costs when you receive care
Best suited for generally healthy individuals who primarily want protection for unexpected emergencies

*Subsidies are only available for plans purchased through the federal Health Insurance Marketplace. Eligibility for and actual amount of any subsidy is determined by the federal Health Insurance Marketplace. Visit www.healthcare.gov for more information.

HEALTH CARE COVERAGE FOR WYOMING AND BEYOND

Extensive Provider Network in Wyoming, across the country, and around the world.

With BCBSWY, you have access to...

Over 98% of Wyoming providers

100% of Wyoming hospitals

Over 97% of hospitals nationwide

Over 83% of physicians nationwide

Access to doctors and hospitals in over 170 countries and territories around the world.

Access to more than 55,000 pharmacies in Wyoming and nationwide.

Your Plan includes

MAKE BLUE WORK FOR YOU

BCBSWY offers additional Supplemental Products to enhance benefit packages and
convenient Administrative Services to streamline your benefits management as an employer.

Administrative Services

Our Small Group plans come with included administrative services facilitated by BCBSWY to optimize the management of your health care plan. Administrative services include:

Automatic claims filing
Cost containment programs
Pre-admission review
Utilization review
Catastrophic case management
Coordination of benefits
COBRA administration

SUPPLEMENTAL Services

Our range of supplemental products complement your health care plan and provide valuable additional benefits to your plan. Options include:

Flexible Spending Account (FSA)
Health Savings Account (HSA) eligible High Deductible Health Plans
Health Reimbursement Arrangement (HRA)
Premium Only Plan (POP)
Voluntary Life Coverage
Accidental Death Coverage
Short and Long Term Disability
Dental Only Plans
Vision Only Plans

EMPLOYER PORTAL

The BCBSWY Employer Portal makes managing your company’s health plan easy and convenient.
Through the portal, you can:

View a summary of your group’s plan(s)
Enroll, cancel and reinstate employees and their family members
Experience real-time enrollment processing and 24-hour turnaround
See enrollment status and history for each employee
Make updates to employee information
Monitor a census of employees
Collect Medicare status
Manage COBRA members
See your bill and make a payment
Get SBCs and Benefit Booklets
See your group master agreement
Provide support to employees with benefit information, forms and more
Access wellness tools
Maintain a record of employees with other coverage
View claims (if designated by BCBSWY)
Find employer resources including forms and administration guides

CHOOSING A PLAN
Things to consider...

Weigh factors such as coverage, cost, provider networks, and the unique health needs of their workforce when selecting a health insurance plan. You can tailor your offerings by choosing between plans that provide essential health benefits or more comprehensive services, depending on what best fits your team. Do you want to offer a plan with copays? A Health Reimbursement Arrangements (HRAs) or Flexible Spending Accounts (FSAs)? Our experienced agents can help you navigate the many options available to you and your team.

WHAT IS A HIGH DEDUCTIBLE HEALTH PLAN?
How do they work?

A High Deductible Health Plan (HDHP) is a form of health insurance that offers reduced monthly premiums but comes with higher deductibles. These plans are commonly chosen by people who are typically in good health and can manage larger out-of-pocket expenses. They are typically paired with a Health Savings Account (HSA). HDHPs function similarly to other health insurance plans—you pay a monthly premium for coverage, but the plan doesn’t start covering medical costs until you’ve met the higher annual deductible.

WHAT IS A HEALTH SAVINGS ACCOUNT?
How do they work?

A Health Savings Account (HSA) is a savings tool that offers tax benefits and is intended to help individuals enrolled in high-deductible health plans (HDHPs). To open an HSA, you must be covered by an HDHP. Compared to a Flexible Spending Account (FSA), HSAs offer greater flexibility: contributions can carry over from year to year, and you can invest the funds to potentially grow your savings. However, there are specific IRS requirements you must meet to qualify for an HSA:

You must be enrolled in a qualified HDHP
You cannot have any other health coverage
You must not be enrolled in Medicare
You cannot be claimed as a dependent on someone else’s tax return

WHAT'S THE DIFFERENCE BETWEEN 'ESSENTIAL' AND 'COMPRHENSIVE' HEALTH COVERAGE?
What you need to know...

Essential health coverage and comprehensive health coverage represent two distinct levels of health insurance protection. Essential health coverage refers to the baseline benefits mandated by the Affordable Care Act (ACA), which all health insurance plans are required to include. These benefits encompass preventive care services, such as physician visits, hospital treatment, and prescription medications.

On the other hand, comprehensive health coverage—also known as major medical insurance—provides a wider array of health care services that go beyond the ACA’s minimum standards. While it generally comes with higher premiums, it offers more robust financial protection in the event of serious medical needs.

EXPLORE HOW BCBSWY CAN WORK FOR YOUR TEAM

Have questions? Our local experts can help you find the right BlueSelect plan for your business.

We’re available Monday – Friday from 8 a.m. – 5 p.m.

Contact BCBSWY

Complete the below form for personalized service. Please allow up to three business days for follow up.

Administrative Services

for Self-Funded, Large Groups (over 50 Employees)

Our commitment to value starts with...

Industry-leading discounts

for health care services

The largest provider networks

across the country and around the world

Nine local offices across Wyoming

to serve you and your employees

We provide...

Brand Recognition – the most widely recognized and accepted health care card
Plan flexibility and customization
Analysis and stop-loss reinsurance/procurement
Analytical & Underwriting support
Cash flow protection
Dedicated Account Executives and Service Coordinators
Lower out-of-pocket costs for your employees
Seamless claims processing – direct claims filing by network providers
Managed Care Services
Membership maintenance via online tools
Site visits and employee meetings
Prescription drug formulary management
Supplemental Products including 24/7 Telehealth Services powered by MDLIVE

Umatched Provider Networks

You and your employees will have access to provider networks unmatched by any other insurance company. We deliver:

Nationwide discounts across in network claims dollars
The largest number of providers (depth) and specialists (breadth) supported by a system of other Blue Plans and Blue Cross Blue Shield providers across the country and around the world
Freedom of choice with substantial savings
Over 90% of Wyoming providers participate
Access to doctors and hospitals in nearly 200 countries and territories around the world

Ready to Make Blue Work for You?

Our staff will help you build a benefit plan that meets your requirements and fits within your budget.

Find an Agent

Wyoming BlueLevel Funded

For businesses with as few as 15 enrolled employees.

For details about Wyoming BlueLevel Funded, please see the plan brochures below.

Wyoming BlueLevel Funded Low Deductible

Wyoming BlueLevel Funded Moderate Deductible

Wyoming BlueLevel Funded High Deductible

Wyoming BlueLevel Funded High Deductible Plan HSA-Eligible

Ready to Make Blue Work for You?

Comprehensive Coverage

Low, moderate and high-deductible plans

HSA-eligible, high-deductible plan

Prescription drug coverage

Mental health & substance abuse

Preventative care

24/7 Telehealth Services Powered by MDLIVE

Extensive Provider Network in Wyoming, across the country, and around the world.

Supplemental Products

Administrative Services

Explore our Provider Network

Employer News

Let us help keep you up-to-speed with large group employer updates and news.

Explore any of our quarterly newsletters below

Employer FAQ

Employer Toolkit

Employer Forms

Explore our Provider Network

Employer News

Contact BCBSWY

Find an Agent

Explore our Provider Network

Dental and Vision Only Plans

Ready to Make Blue Work for You?

Comprehensive Dental and Vision Coverage

Extensive nationwide network

Optional orthodontia

Annual exams

Extensive nationwide network

Out-of-network allowance

Annual exams

Extensive Dental and Vision Network in Wyoming, across the country, and around the world.

Explore our Provider Network

Employer Toolkits

Not Finding What You're Looking For?

How to Register for Your Member Site

How to Access YTD Accum Information

Employer Site Training Guide

Member Site Flyer

Member Site Poster

Understand Your HDHP and HSA

Rx Tools

Explore our Provider Network

Employer FAQ

Frequently Asked Questions

FAQ Content

Employer Site

Tell me more about the employer site?

What training resources are available for employers?

What materials are available to distribute to my employees?

How do I get access to the new employer site?

Billing

Fully Insured Groups

What billing changes can I expect?

Can I still pay my invoice mailing a check or money order?

Tell me more about the new billing reports?

Self-Funded Groups

What billing changes can I expect?

Tell me more about the new billing reports?

Products

Dental

Tell me more about Dental benefits?

Vision

Tell me more about Vision benefits?

Life and Disability Insurance

Tell me about Group Life and Disability Insurance?

Spending Accounts

Overview

Tell me more about spending accounts?

What are the hours of operation of the Further customer service center?

Contract Questions

What should I expect next in the contracting process?

CORE
Good option if… You want to offer a high deductible health plan that can be paired with a Health Savings Account that allows your employees to set aside money aside in a tax-free account.

CLASSIC
Good option if… You want to offer employees traditional health insurance coverage that starts paying sooner.

HEALTHPLUS
Good option if… You want to offer your employees a health plan with special benefits for managing chronic health conditions.

VALUE
Good option if… You want to offer employees a plan encouraging health maintenance while providing a safety net against large medical costs in case of a major injury or illness.

BASIC
Good option if… You want to offer employees a straightforward plan to cover large medical costs in case of a major injury or illness. High deductible plan that once met pays 100%.

CHOOSING YOUR METALLIC LEVEL
Comparing plans…

CHOOSING A PLAN
Things to consider...

WHAT IS A HIGH DEDUCTIBLE HEALTH PLAN?
How do they work?

WHAT IS A HEALTH SAVINGS ACCOUNT?
How do they work?

WHAT'S THE DIFFERENCE BETWEEN 'ESSENTIAL' AND 'COMPRHENSIVE' HEALTH COVERAGE?
What you need to know...