FREQUENTLY ASKED BENEFITS QUESTIONS

Bask in the wisdom of our resident Benefits Experts. Simply click the questions below for a detailed answer or submit your own question!

Q: Often, when visiting a doctor or dentist, they ask me whether I have insurance coverage when discussing a planned course of treatment or prescription drug. I want to know why this makes a difference and am I accepting lesser care if I say that I do not have coverage?

Q: Are the generic or no-name prescription or over-the-counter drugs you buy at large discount chains, like Wal-Mart, a lower quality than those available through a pharmacy, like Shoppers Drug Mart?

Q: Am I really supposed to read and understand all the details of my benefit plan, and why is it so complicated?

Q: Why do most vision care plans provide such restricted coverage, such as $200 every 24 months? Every time my fellow employees and I ask to increase the coverage, we always get the same response — no. What’s the deal?

Q: I was talking with a friend the other day and they were praising the great coverage they get through their employer’s insurance company while I was complaining about the coverage I got through my employer’s insurance company. While we both work for fairly large employers, why doesn’t my employer use my friend’s insurance company and is there a difference between insurance companies?