Your Life. Your Benefits.
If you’re wondering which benefits might be right for you, take a look at these real life-inspired situations and see how your benefits can interact to give you what you need, when you need it. Benefits are meant to work together!
Keeping your paycheck costs as low as possible
When keeping medical costs low is a priority, an HDHP with an HSA (Health Savings Account) can be a good option, especially with AmeriHealth Caritas’ HSA contribution. Just keep in mind that lower premiums can sometimes mean higher out-of-pocket costs when you need care.
That’s where voluntary benefits can help. Adding accident, hospital indemnity, and critical illness coverage can provide cash benefits when an unexpected event leads to more expenses.
These voluntary plans come with a Be Well Benefit. Completing a blood test can help catch conditions early—and earn you a $50 reward. Preventive care that pays!
Managing your condition with GLP-1 support
Managing a cardiometabolic condition can involve more than a doctor’s visit or a prescription. With Teladoc’s enhanced Cardiometabolic Health services, medical plan members can get virtual support for weight management, prediabetes, diabetes, hypertension, and mental health all in one place.
For someone taking or getting a prescription for certain GLP-1 medications for weight loss, RxSaveCard and Teladoc make the process easier and affordable, while six free nutritionist visits with UtopiaWellCare can provide additional support for weight management, inflammation, gut health, and more.
Juggling work, life, and care for family, pets, and yourself
Work gets busy. Life gets busy. And when you’re juggling kids, aging parents, pets (who are family, too), and a dozen other demands on your time, it’s easy to put your own health and wellbeing on the back burner. That’s also when taking care of yourself matters most.
Finding time to navigate everything can feel like a job in itself. Carallel can help simplify caregiving, restore “you” time, and sometimes help manage costs by connecting you with guidance and resources for loved ones, while a Dependent Care FSA (DCFSA) is available to make eligible child- and elder-care expenses more manageable through pre-tax payroll contributions. Pet insurance can provide additional financial protection for unexpected veterinary costs.
And when it comes to your own needs, your Exos app is there to help you just breathe and be present in the moment—the true definition of mindfulness.
Supporting your child’s next chapter
Starting college can bring excitement, but it can also come with new social pressures, stress, and uncertainty. When your dependent needs support, Lyra - your Employee Assistance Program (EAP) - offers 12 free, confidential sessions each year, with continued-care
coaching, therapy, and medication-management support available through their network.
The College Tuition Benefit program offers reduced tuition at hundreds of colleges and universities nationwide by earning reward points for your children, grandchildren and other family members. The 529 college savings plan through Empower can also help you put money aside for future education expenses.
And if college takes your child to another part of the country, your medical coverage can help them get care away from home, so they can continue to access in-network care wherever they’re living.
Exploring different paths to parenthood
Growing a family can take many paths, and the benefits available can help support the journey. If you’re pursuing fertility treatment, you can combine IBX’s Maternal Health resources in your medical plan and Progyny to access fertility care and guidance.
There are other routes to parenthood as well, and Progyny can also help you explore adoption and surrogacy as potential paths forward. Reviewing available adoption and surrogacy benefits and financial assistance can help you understand what expenses may be eligible for support and what resources are available along this important journey.
Whatever path you take to grow your family, you may also have access to paid parental leave if eligible, giving you time to bond, adjust, and focus on what matters most.
Finding help when care gets complicated
When symptoms are ongoing but there’s no clear diagnosis, navigating the healthcare system can become frustrating and time-consuming. Health Advocate can help take some of the work off your plate. From finding the right doctors and specialists and scheduling appointments to getting second opinions and answering questions about test results, treatments, and medications, the Health Advocate team can help. They can also help clarify benefits and work through coverage denials.
When an unexpected diagnosis or hospital stay affects finances, critical illness and hospital indemnity coverage can provide additional financial support. Additional life insurance can also provide added protection for loved ones. Don’t forget that your HSA or FSA is also there to help ease the cost when you need care—both when you expect it and when you don’t.
Two more ways to support you
You already have access to these valuable benefits. Here’s a quick reminder of how they can work for you.
More ways to save with Plum Benefits
Plum Benefits offers discounts on travel, entertainment, dining, fitness, shopping and more, including deals on vacations, family outings, nights out and everyday activities. Search for Plum Benefits on your mobile app store.
EXOS personalized wellness and fitness support
Get a personalized wellness assessment, select your coach, schedule your complimentary consultation, and receive a game plan to help guide you toward your wellbeing goals, from movement to mindset through the Exos app.
