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Basic Explainer Videos
Tips for Health Care Spending
Smart healthcare spending starts with knowing your plan, choosing in-network providers, and using the right level of care. This video shares simple tips to help you save money, avoid surprise bills, and get the most out of your benefits.
HSA Eligible Expenses
Not sure what you can use your Health Savings Account (HSA) for? This video breaks down eligible expenses like doctor visits, prescriptions, and dental care—plus what’s not covered—so you can make the most of your HSA dollars.
Choosing the Right Health Care Provider
Primary care, urgent care, or the ER? Knowing where to go makes a big difference for your health, time, and wallet. This video explains when to see your doctor, when urgent care is best, and when an emergency room visit is necessary.
Preventive Care
Preventive care includes check-ups, screenings, and vaccinations designed to keep you healthy and catch problems early. This video explains what preventive care is, what’s usually covered for free, and how it can help you avoid higher healthcare costs in the future.
Group Health Insurance
Group health insurance is coverage provided through an employer or organization, offering employees and their families more affordable healthcare. This video explains how it works, what it covers, and why it’s such a valuable benefit.
Health Insurance Terms
What is a Deductible, Copay, and Out-of-Pocket Maximum?
Deductible, copay, out-of-pocket maximum—three key terms that define what you pay for healthcare and when. This video breaks each one down with simple examples so you can understand how your costs work throughout the year.
What is Coinsurance?
Coinsurance is the percentage of healthcare costs you pay after meeting your deductible. This video explains how coinsurance works, how it differs from copays, and why it matters for understanding your total out-of-pocket costs.
What’s the Difference Between HMO, PPO, and HDHP?
HMO, PPO, HDHP—what’s the difference? This video explains how each type of health plan works, including costs, flexibility, and when your insurance starts sharing expenses after the deductible. A simple breakdown to help you choose the plan that fits your needs.
What is a Premium?
A premium is the monthly cost you pay to keep your health insurance active, even if you don’t use it. This video explains what premiums are and how they fit into your overall healthcare costs.
Savings & Spending Accounts
What is a 401k?
A 401(k) is a retirement savings plan offered through work that helps you build long-term financial security. In this video, we explain how contributions work, the tax advantages, and why employer matching makes it one of the best ways to save for the future.
What is an HSA (Health Savings Account)?
An HSA, or Health Savings Account, is a powerful way to save for healthcare costs—offering triple tax advantages, rollover from year to year, and portability if you change jobs. This video explains who qualifies, how it works, and why it’s such a valuable benefit.
What is an FSA (Flexible Spending Account)?
An FSA lets you set aside pre-tax dollars to pay for healthcare expenses like copays, prescriptions, and medical supplies. In this video, we explain how FSAs work, what expenses are eligible, and the important ‘use it or lose it’ rule so you can make the most of your account.
What’s the Difference Between an HSA and FSA?
HSAs and FSAs both help you save money on healthcare costs, but they work in different ways. This video breaks down the key differences side by side—like rollover rules, job portability, and spending deadlines—so you can quickly understand which account might be the best fit for you.
Coverage & Enrollment Basics
Who Can I Cover?
Your benefits don’t just protect you—they can also cover the people who matter most. In this video, we explain who qualifies as a dependent under most benefit plans, including spouses, domestic partners, children, and more, so you know exactly who you can add to your coverage.
What is Open Enrollment?
Open Enrollment is the once-a-year chance to review and update your health insurance coverage. In this quick video, we explain why this period matters, what you can do during it, and how to make sure you’re set up with the right plan for the year ahead.
What’s a Qualifying Life Event?
Life changes fast—marriage, a new baby, a job change—and these moments can open a special window to update your health insurance. This video explains what Qualifying Life Events are, why they matter, and what steps you need to take to protect your coverage when big life changes happen.
Other Useful Benefits
What is Disability Insurance?
Disability insurance protects your income when you can’t work due to illness or injury. This video explains the difference between short-term and long-term disability coverage, and how each helps replace a portion of your paycheck when you need it most.
What is Life Insurance Through Work?
Many employers provide life insurance as part of your benefits package. In this video, we explain how basic group life insurance works, what it covers, and your options for purchasing additional coverage to protect your family’s financial future.
What is an Employee Assistance Program (EAP)?
An Employee Assistance Program (EAP) provides free, confidential support for employees and their families. This video explains what’s included—like counseling, financial advice, legal help, and more—so you know how to take advantage of this valuable benefit.
What is Telehealth?
Telehealth makes it easy to see a doctor virtually for common health issues, saving you time and often money. This video explains how telehealth works, when to use it, and why it’s a convenient option for non-emergency care.