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Benefits Education Videos
Not sure what the difference is between an HMO and a PPO? Wondering what accident insurance covers? Get the answers to these and many other benefits conundrums in these bite-sized videos.
Benefit Education Videos
Understanding Voluntary Benefits
What is Accident Insurance?
Accident insurance is essential for active families or those who may not have the savings to cover expenses related to an accidental injury or unexpected surgery.

What is
AD&D Insurance?

Accidents are the fourth leading cause of death in the United States. That’s why accidental death and dismemberment insurance is worth knowing about.

What is
Cancer Insurance?

The cost of treating cancer poses an enormous strain on those who suffer from the disease and their families. Cancer insurance can help ease this financial burden.

What is Critical Illness Insurance?

Critical Illness Insurance pays you a lump sum benefit in the event that you or your spouse are diagnosed with an illness like cancer, stroke or heart attack.

What is
Hospital Insurance?

Hospital Indemnity Insurance is supplemental insurance that helps you pay for expenses incurred during a hospital stay that are not covered by health insurance.

What is
Life Insurance?

When you depart this world, your loved ones could be left with a lot of expenses and no way to pay them. Life insurance can help ensure financial stability.

What is Long-Term
Care Insurance?

Long-Term Care Insurance helps you pay for expenses if you are unable to perform basic activities for an extended period due to illness, injuries or disabilities.

What is Long-Term
Disability Insurance?

Long-Term Disability Insurance provides financial protection if you are unable to work for an extended period of time due to a serious accident or illness.

What is Short-Term
Disability Insurance?

Short-Term Disability is an insurance plan that is designed to replace a portion of your paycheck if you are unable to work due to an off-the-job sickness or accident.
Benefit Education Videos
Understanding Benefits
What are
When you purchase a life insurance policy, you will be asked to designate beneficiaries. This video provides an overview of this common, but not always understood term.

What are
Commuter Benefits?

Commuter benefit accounts are an increasingly popular way to save money and fund expenses related to commuting and parking at your workplace.

What is an Employee Assistance Program?

Every day brings new challenges and distractions. And sometimes, these every day stresses can become too much to handle. An Employee Assistance Program, or EAP, can help.

Telehealth Urgent Care Hospital

Healthcare options can be confusing! This video walks through the differences and common use cases for three types of care: telehealth, urgent care and hospital/emergency room.

Everything you need to
know about COBRA

COBRA provides the ability for you and the dependents covered on your health plan to keep coverage after you lose your job or lose coverage for other reasons.

What is
Defined Contribution?

With a defined contribution, companies provide one lump sum of money and YOU get to decide how to spend it on selection of benefits options.

What is Evidence
of Insurability (EOI)?

Some insurance plans require you to show you are in good health. This is called Evidence of Insurability, or EOI, and is most common with life and disability plans.

What is
the Form 1095-C?

All full-time employees at companies with more than 50 full-time employees will now receive a Form 1095-C to report health care coverage offered by employers.

What is
Open Enrollment?

There are specific times when you can sign up for or change the benefits offered by your employer. The most common time to do this is open enrollment.

When can I
make changes?

There are only certain times when you can enroll in benefits or make changes – when you’re first hired, during open enrollment, or after a qualifying life event.
Benefit Education Videos
Understanding Savings Accounts

Everything you need to know about 401(k)s

A 401(k) is a retirement savings plan sponsored by an employer that lets you save and invest a piece of your paycheck before taxes are taken out.

Everything you
need to know about
Health FSAs

A Health Flexible Spending Account (FSA) is a pre-tax savings account that can be used for out-of-pocket healthcare expenses, such as medications and copayments.

Everything you need to
know about Dependent Care FSAs

A Dependent Care Flexible Spending Account (FSA) is a pre-tax account that can be used for day care, elder care, and even care for dependents with disabilities.

Everything you need to
know about HSAs

A Health Savings Account – or HSA – is a savings account used to put pre-tax dollars aside specifically for your out-of-pocket health expenses.
Benefit Education Videos
Understanding Health Insurance
What is Vision
If you currently wear glasses or contacts, vision insurance can significantly reduce your costs for routine preventive eye care and prescription eyewear.

What is
a Copay?

A copay is a fixed, set amount of money you must pay each time you visit the doctor or purchase medication when using your health insurance plan.

What is

Coinsurance is the percentage of medical expenses shared by you and your insurance company after you have reached your deductible.

What is
Dental Insurance?

Dental work is usually not covered by standard medical insurance, so voluntary dental insurance can fill this gap in coverage and keep you smiling.

What is In- and

In-network health care providers have agreements with your insurance carrier and will typically offer services at a set rate. Out-of-network providers do not.

Premiums, Deductibles, Copays and Out-of-Pocket Maximums

These terms describe how much you pay out of your paycheck, how much you or your insurance pays for doctor visits and the maximum you will pay per year.
Benefit Education Videos
Understanding Medical Plan Types

and HDHPs

Medical plans differ in how much you pay out of your paycheck versus how much you pay at the doctor and how much freedom you have in choosing a doctor.

PPOs and

Both give more options for doctors than an HMO. PPOs cost more per month, but have a lower deductible. HDHPs have lower monthly costs, but higher deductibles.
What is
an HMO?
A HMO is a medical plan that typically has a lower monthly cost than other types of plans, but does not give you as much freedom when choosing a doctor.
What is
a PPO?
A PPO allows you to choose from a larger pool of doctors than other plans, requires a copay and typically has a higher monthly cost than other plans.
What is
an HDHP?
HDHP cost less per month, but have a higher deductible. A health savings account can cover out-of-pocket health expenses before you hit your deductible.
Email Templates
Get the word out! Use these templates to educate employees on the benefit topics in our video library.
Changing Benefits Right arrow
Use this template to remind folks of when they can enroll and make changes to their benefits selections. Great for a midyear reminder!
Defined Contribution Right arrow
This template explains the defined contribution benefits model. Send it out when you make the big switch from defined benefits.
NEW HIRE Right arrow
Send this email to new employees to educate them on benefits concepts to prepare them for enrolling in your benefits.
Help your employees understand benefits terminology with this email and make open enrollment easier and more enjoyable.