Page 9 - MM365+

Medical coverage offers valuable benefits to help you stay healthy and pay for care if you or your covered family members become sick or injured.
Which Medical Plan is Right for You?
When you go online, you can answer a few questions about your medical insurance usage, payment preference and ability to afford an unexpected medical expense. Then, Mercer Marketplace 365+ will build you a benefits package with the medical plan that best matches your situation. The benefits decisions are yours, so you can choose the package built, customize it further or build your own from the choices offered.
Before you choose your benefits, think about:
• How much health care and what type of care did you need this year?
• Do you expect your needs to be similar next year?
• Do you prefer to pay less from your paycheck or less out of your pocket when you need care?
Have You Considered a High Deductible Health Plan?
High deductible health plans have lower premiums and may result in lower annual medical costs. These plans offer several advantages to reward you for taking an active role in your health care spending.
• Lower paycheck costs – allowing you to keep control over more of your money
• [Tax-advantaged savings account – enrolling in a Health Savings Account (HSA) helps you pay your
deductible and out-of-pocket costs]
• [[Employer] will contribute to your HSA – helping you with your out-of-pocket costs]
• Comparable benefits – these plans use the same networks that other plans offer, and in-network
preventive care is still 100% covered
Need More Coverage?
Critical Illness
Accident
Hospital Indemnity
Are you interested in a higher-deductible plan with a lower premium? You may want additional coverage that pays benefits directly to you to help cover deductibles and out-of-pocket expenses.
Consider combining your medical coverage with Supplemental Medical Insurance. [These plans are][This plan is] a great complement to your medical plan choice and can help reduce the financial risk associated with illness and injury.
Depending on your situation, you may be able to save money by purchasing a lower-cost medical plan and adding [a] [one or more] supplemental plan[s] to achieve effective protection at a lower plan cost. Refer to the Supplemental Medical section for more information.
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Medical and
Prescription Drug Coverage