Table of Contents

Part 1: Insurance Basics

• How Insurance Works

• Alternatives

• Beyond Perfect Health

• Help for the Uninsured

• Consumer Protection

Part 2: Getting Covered

• Gather Your Information

• Create a Schedule

• Establish a Budget

• Finding Insurance

• Implementing the Plan

Part 3: What's Available in                 My Region

• Region 1: Northwestern

• Region 2: Northern

• Region 3: Southwestern

• Region 4: Central

• Region 5: Eastern

Part 4: Helpful Hints & Info

• Hospital Costs

• Insurer Rating Companies

• Insurer Contact Info

• Glossary

Important Facts

Employees consider health insurance to be, by far, the most important fringe benefit.
• More Facts...

• Complete Guide (PDF)

Review plans with your broker or agent:

• Weigh the benefits against the plan costs.
• Research the insurers for
• financial stability
• ease of administration
• overall quality of service.
• Consider cost-saving strategies.
• Review at least two to three health insurance carriers and plan options.

For more information, see Insurance Basics.

Action Plan Checklist:

1. Sign the contract before the quote expires, usually 30 days.
2. Communicate plan choices to employees.
3. Distribute and collect enrollment materials for those people covered.
4. Copy and return all original materials for enrollment before the requested date.

Now you’re ready to start coverage!

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