Return to flip book view

H E A LT HEDUCATIONAL RESOURCESB E N E F I T SF I N A N C I A L S E C U R I T YChoose a topic to explore our educational resources.

P re v e n t i v e c a reH e a r t h e a l t hM e n t a l h e a l t hH E A LT HYour health matters because you matter. Hereare a few helpful resources to support you -wherever you are in your journey.

SAVE MONEYNot all health conditions or medical needs canbe prevented, but research shows that peoplewith a primary care provider relationshipgenerally spend less money on health careand less time in the hospital¹.Better health, lower costs, and less time in thehospital: a win all around.HEALTH | P R E V E N T I V E C A R E3 reasons to check in with your doctor¹ Cleveland ClinicBE PROACTIVE ABOUT YOUR CAREEstablishing a relationship with a doctor whoknows you, your family history and yourlifestyle can help you stay on top of yourhealth.A primary care provider gets to know what’snormal for you, helping identify when youneed additional care before it may be obviousto you.ESTABLISH A HEALTH CARE “HOMEBASE”A primary care provider is your place for allthings health care. They can help you identifyany specialists you should see, help you locateadditional care resources, order tests asnecessary, and answer questions.Tip: If available, using providers within thesame medical group or hospital system canhelp you coordinate your health care. Did you know...? A family doctor, internist, general practitioner, OB/GYN (women), or pediatrician (children) can all serve as your primary care provider depending on your needs and preferences. M O R E H E A LT H T O P I C S

CARE FOR YOUR SMILEBrushing and flossing every day helps preventgum disease. But did you know it also helpsyour heart?Gum disease can cause bacteria to enter yourbloodstream, leading to inflammation—andthat can raise your risk for heart disease. So when you care for your smile, you're alsocaring for your heart!HEALTH | H E A R T H E A LT H3 ways to show your heart some loveGET ENOUGH SLEEPGetting 6–8 hours of sleep each night isimportant—but it’s not always easy.Poor sleep can affect your mood, bloodpressure, circulation, and even causeinflammation—all of which can impact yourheart.If you snore loudly, have trouble sleeping, orwake up feeling “off,” talk to your doctor. Itcould be related to your heart health.STAND UPSitting too long—even if you exercise—can bebad for your health.Try standing up and moving around duringlong periods of sitting, like at work or on aflight. Or, take a walk between TV episodes orstand while talking on the phone.Your heart (and your body) will thank you!Heart health is a hot topic, and for good reason! Your heart pumps blood that provides your body with the nutrients and oxygen it needs to function. Keeping yourheart healthy involves more than eating a balanced diet and getting exercise. Here are three surprising ways to support your heart health.M O R E H E A LT H T O P I C SSource: Cleveland Clinic Source: Cleveland Clinic Source: Cleveland Clinic

EVERYONE HAS MENTALHEALTHJust like physical health, we allhave mental health—and weneed to take care of it every day.It affects how we think, feel, andact. For example, learning howto handle stress is one way totake care of your mental health.M O R E H E A LT H T O P I C SMENTAL ILLNESS ISCOMMONAbout half of people in the U.S.will have a mental healthcondition at some point in theirlife. Knowing this helps usunderstand that it’s okay to talkabout mental health and supporteach other.HEALTH | M E N TA L H E A LT H4 things to know about mental healthMental health literacy means understanding how to take care of your mental health. It includes knowing about common mental health problems, spottingsigns that something might be wrong, and knowing where to go for help. When we learn more about mental health, we can take better care of ourselves andsupport others too.Here are four things you can learn today to help you better understand mental health:MENTAL AND PHYSICALHEALTH ARE CONNECTEDTaking care of your body helpsyour mind too. Eating healthy,spending time with friends andfamily, exercising, and avoidingdrugs and alcohol all supportyour overall wellbeing.YOU CAN SUPPORT YOURMENTAL HEALTHThere are ways to stay mentallyhealthy, like getting enoughsleep, staying active, learningabout mental health, andpracticing mindfulness. Gettinghelp early also makes a bigdifference.

Key benefits termsPre-tax accountsVirtual health careB E N E F I T SUnderstanding your benefits is important.These resources can help you feel confidentand in control when making decisions.

BENEFITS | K E Y B E N E F I T S T E R M S8 words to know about your benefits plansM O R E B E N E F I T S T O P I C SBalance billingWhen you use an out-of-network medical or dentalprovider, they may bill you the difference betweenwhat they charge and the amount your insurancepays. Medical: balance billing is in addition to anddoes not count towards your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible, you’re sometimesresponsible for a percentage of the cost of medicalor dental care or prescription medication youreceived. This percentage is coinsurance.CopayA flat fee you pay each time you receive a copay-eligible medical, dental, or vision service orprescription medication. DeductibleThe amount you’re responsible for paying in careexpenses before your plan starts paying deductible-eligible expenses.In-networkIn-network care is always your lowest-cost option.Networks are groups of medical, dental, and visionproviders, pharmacies, and facilities that agree todiscount the cost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medicalcare and prescription drugs in a year. This includesyour deductible, coinsurance, and copays.The out-of-pocket maximum does not include yourpremium (what you pay for the plan), non-coveredexpenses, or out-of-network care that’s beenbalance billed.Pre/Prior-authorizationSome specialty medical providers, services andprescriptions require prior authorization from yourinsurance company. These may include - but are notlimited to - surgery, imaging (CT, MRI) and certainprescription medications.Primary care physicianA primary care physician (PCP) is your main medicaldoctor – usually a general practitioner (GP), familydoctor, internist, OB/GYN, or pediatrician (forchildren).

BENEFITS | P R E - TA X A C C O U N T SWhat to know about HSA, HRA, and FSA optionsM O R E BENEFITS T O P I C SHealth Savings Account (HSA)Health Reimbursement Arrangement (HRA)Flexible Spending Account (FSA)ContributionsYou contribute pre-tax funds from eachpaycheck. Your employer makes contributions on yourbehalf; you are not able to contribute to an HRA.You contribute pre-tax funds from each paycheck.Eligible expensesCurrent and future medical, dental, vision, andprescription expenses Eligible expenses vary, but typically includemedical and prescription costs for the currentyear.Full health care: medical, dental, vision,prescription expenses for this yearLimited purpose (HSA-compatible): dental &vision expenses onlyUnused (leftover)fundsHSA funds never expire - and you can use themin retirement! Depending on your plan, you may be able to rollover unused funds to the following year.Depending on your plan, you may be able to rollover unused funds to the following year.EligibilityYou must be enrolled in a qualifying highdeductible health plan (HDHP) and you cannothave any other non-HDHP health coverage.You must be enrolled in your employer’s HRAmedical plan. The HRA comes with the medicalplan and cannot be separated.Can be paired with any medical plan (or nomedical plan) - BUT you cannot have a full healthcare FSA and contribute to an HSA at the sametime.The materials and the information provided are not designed or intended to be applicable to any person’s individual circumstances. These statements do notconstitute an offer or solicitation in any jurisdiction. All included information and data are limited only to the inputs and other financial assumptions indicated.

BENEFITS | V I RT U A L H E A LT H C A R E3 reasons to give virtual health care a tryM O R E B E N E F I T S T O P I C SQUALITY CARE IS OFTEN AVAILABLEWHEN AND WHERE YOU NEED IT.Virtual care is a health care visit through asecure telephone or video call. Accessing care:Many doctors offer virtual visits.Your medical plan might include access toa virtual care (or telehealth) provider.Many virtual care services can be foundwith a quick Google search. Virtual care is often available extended hoursand weekends, especially for everydaymedical needs. TAKE ADVANTAGE OF A VARIETY OFCARE AND SERVICES.Specific services can vary, but virtual care isoften available for:Non-emergency medical needs (sorethroat or fever, UTI, allergies)Therapy and mental health carePsychiatry (medication management) DermatologyProviders can also prescribe appropriatemedications in many cases, saving you a tripto the doctor’s office.QUICKER CARE, OFTEN FOR ALOWER COST.When appropriate, virtual care can help youget care on your schedule without dealingwith germs, a waiting room, or traffic. It’sgreat for regular check-ins and follow-ups, oreven mental health care visits. Even better, virtual care may be a lessexpensive option than in-person visits. Virtual care is convenient, high-quality care, but it isn’t appropriate for all needs. Life-threatening conditions, severeinjuries (breaks, burns, or cuts), and other immediate needs should still be seen at the appropriate in-person facility(doctor, urgent care, or emergency room).

More topicsF I N A N C I A LS E C U R I T YDid you know that your financial healthimpacts your mental health? These topics,offered through Financial Academy, help youmanage your money more confidently andreach your goals. At no cost to you.Selected topics

FINANCIAL SECURITY | S E L E C T E D T O P I C SHigh quality education from leading professionals - available at no cost to you.S E E M O R E F I N A N C I A LA C A D E M Y S E S S I O N SFinancial Academy is a series of monthly webinars designed to help support your financial goals. Each webinar is available to watch at any time (“OnDemand”) after it airs.MARCH 2025Empower your wealth: awomen's guide to smartinvestingL E AR N M O R EAPRIL 2025Expert tips for managing yourhousehold financesL E A R N M O R EMAY 2025The intricate link betweenfinances and mental healthL E A R N M O R EJUNE 2025Your comprehensive MedicareguideL E A R N M O R EJULY 2025Managing your risk summerseries: life insuranceL E A R N M O R EL E A R N M O R EL E A R N M O R EAUGUST 2025Managing your risk summerseries: home insuranceSEPTEMBER 2025Managing your risk summerseries: auto insurance