Insurance 101
This is the monthly amount you pay to have health insurance, even if you don't use any services?
What is a premium?
Fancy name for annual wellness visit
What is Preventative Care?
The most commonly used dental benefit
(Hint: used 2x a year)
What is a preventative visit / cleaning
What is your VSP ID number?
What is a Primary Care Doctor?
When you pay $30 or $50 for an office visit, what is that charge called?
What is a co-pay?
This dental specialist straightens teeth using braces or aligners
Who is an orthodontist?
The type of eye doctor that does eye surgeries
What is an ophthalmologist?
GIFs, short phrases that bring joy and cartoons are examples of these.
What are jokes?
What is your Benefits Guide?
A plan with high deductibles & may be HSA eligible.
What is an HDHP (high deductible health plan)?
This document shows what your insurance paid and what you might still owe
What is an Explanation of Benefits (EOB)?
Are designer sunglasses typically covered by standard vision insurance?
What is sometimes? (Generally no, but through VSP, they feature designers at a discount.)
What should you say when you see us looking haggard & without sleep?
What are flattering compliments?
For medical plans, what's the term for the out-of-pocket charge for the patient that splits the total cost of the bill by a %?
What is co-insurance?
A plan that has co-pays & a wide network of providers.
What is a PPO?
Preferred Provider Organization
This term refers to the portion of the bill you're responsible for, even after insurance pays
What is patient responsibility?
This federal law requires employers to offer continued vision coverage after employment ends.
What is COBRA?
This rare but legendary coworker brings snacks, reads the benefits guide without being asked, and shields the benefits pros from unnecessary chaos in Q4.
What is - trick question? All of you have the chance to be our Q4 MVP!
Name of the benefit that gives you free or discounted: counseling, legal advice, emergency mental health support, financial planning advice, etc.
What is the Employee Assistance Program?
A cheaper, chemically identical version of a brand-name drug
What is a generic drug?
Opposite of the out-of-pocket maximum on medical, what is the maximum called for dental?
What is an "Annual Max"?
This type of specialist can perform eye surgery and treat serious eye diseases.
What is an ophthalmologist?
What gets you immediately punched in the face?
What is asking your EB Account Manager when your ID card arrives?
Will also accept: "Did you see my email?"