> ## Documentation Index
> Fetch the complete documentation index at: https://every.help/llms.txt
> Use this file to discover all available pages before exploring further.

# Health Insurance

> Managing health insurance benefits for employees

## Health Insurance

Offer comprehensive health coverage to your employees through Every.

### Types of Health Coverage

Every supports multiple health insurance types:

<AccordionGroup>
  <Accordion title="Medical Insurance">
    Comprehensive health coverage including doctor visits, hospital stays, prescriptions, and preventive care
  </Accordion>

  <Accordion title="Dental Insurance">
    Coverage for routine cleanings, exams, fillings, and major dental work
  </Accordion>

  <Accordion title="Vision Insurance">
    Eye exams, glasses, contact lenses, and vision correction procedures
  </Accordion>
</AccordionGroup>

### Plan Types

Common medical plan structures:

| Plan Type | Description                           | Best For                      |
| --------- | ------------------------------------- | ----------------------------- |
| PPO       | Flexible network, no referrals needed | Those wanting provider choice |
| HMO       | Lower costs, primary care gatekeeper  | Cost-conscious employees      |
| HDHP      | High deductible with HSA              | Healthy, savings-focused      |
| EPO       | Network-only, no referrals            | Balance of cost and choice    |

### Enrollment Process

<Steps>
  <Step title="Eligibility">
    Determine which employees are eligible (typically full-time employees after waiting period)
  </Step>

  <Step title="Plan Selection">
    Employee reviews plan options and selects coverage level
  </Step>

  <Step title="Add Dependents">
    Employee adds spouse and/or children to coverage
  </Step>

  <Step title="Review Costs">
    Review premiums and employer contribution
  </Step>

  <Step title="Confirm Enrollment">
    Submit enrollment and effective date begins
  </Step>
</Steps>

### Coverage Levels

Employees can choose coverage for:

* **Employee Only** - Individual coverage
* **Employee + Spouse** - Employee and spouse/partner
* **Employee + Children** - Employee and dependent children
* **Family** - Employee, spouse, and children

### Premium Costs

Understanding health insurance costs:

* **Employee Premium** - Amount deducted from paycheck
* **Employer Contribution** - Amount paid by company
* **Total Premium** - Combined cost of coverage
* **Deductible** - Amount paid before insurance pays
* **Out-of-Pocket Max** - Maximum annual cost to employee

<Note>
  Employer contributions to health insurance premiums are typically tax-deductible for the company and tax-free for employees
</Note>

### Health Savings Accounts (HSA)

For employees with High Deductible Health Plans:

* Pre-tax contributions
* Tax-free growth
* Tax-free withdrawals for medical expenses
* Funds roll over year to year
* Portable if employee leaves

**2024 Contribution Limits:**

* Individual: \$4,150
* Family: \$8,300
* Age 55+ catch-up: +\$1,000

### Flexible Spending Accounts (FSA)

Pre-tax accounts for medical expenses:

* **Healthcare FSA** - Medical, dental, vision expenses
* **Dependent Care FSA** - Childcare, daycare expenses
* Contributions reduce taxable income
* Use-it-or-lose-it (some plans allow small rollover)

### Managing Coverage Changes

Process coverage changes for:

* New hires enrolling in benefits
* Life events (marriage, birth, etc.)
* Open enrollment elections
* COBRA for terminated employees
* Coverage terminations

<Warning>
  Health insurance changes must be processed within 30 days of qualifying events
</Warning>

### Benefits Cards

Employees receive:

* Insurance ID cards (physical and digital)
* HSA/FSA debit cards
* Provider directories
* Benefits summaries

### Claims and Support

Help employees with:

* Filing insurance claims
* Understanding Explanation of Benefits (EOB)
* Finding in-network providers
* Resolving billing issues
* Appealing denied claims

<Tip>
  Provide employees with carrier contact information and customer service numbers
</Tip>