If an employee asked which medical plan they should enroll in, what would you tell them?

Why the Interviewer Asks This Question
How to Answer
Answer Example

The interviewer is asking this question to see if you have looked through the benefits guide, something they would have provided you with in advance for this type of job. They also want to see if you know you can offer advice or guidance but cannot tell an employee what to do.

Make sure your answer reflects your knowledge or understanding of the benefits package available to employees. Then explain how you might walk an employee through the decision process without making a decision for them.

"If I recall correctly from the benefits guide, you offer three different medical plans for employees to choose from. If an employee asked me which one they should enroll in, I would first tell them I could assist them in walking through the process but that in the end, they have to choose which plan is right for them. From there, I would explain the main differences between the three choices and I would ask them some leading questions to help determine which one is right for them. Some of the key elements we would discuss are any doctors they currently see (to determine if they are in-network), any medical expenses they know they have coming up (such as pregnancies or surgeries), and their comfort with financial risk. Within the three options, you offer, there is one with a high payroll deduction and a low deductible, and another with a very low payroll deduction but a high deductible. The employee would want to consider if they are more comfortable paying more each paycheck but knowing if something happens, their expenses are limited, or if they would prefer to save the money each paycheck and take the gamble that if something happens, their medical expenses would be high."

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How to Answer: If an employee asked which medical plan they should enroll in, what would you tell them?

Advice and answer examples written specifically for a Benefits Specialist job interview.

23. If an employee asked which medical plan they should enroll in, what would you tell them?

Why the Interviewer Asks This Question

The interviewer is asking this question to see if you have looked through the benefits guide, something they would have provided you with in advance for this type of job. They also want to see if you know you can offer advice or guidance but cannot tell an employee what to do.

Written by Tiffany McPherson on May 16th, 2022

How to Answer

Make sure your answer reflects your knowledge or understanding of the benefits package available to employees. Then explain how you might walk an employee through the decision process without making a decision for them.

Written by Tiffany McPherson on May 16th, 2022

Answer Example

"If I recall correctly from the benefits guide, you offer three different medical plans for employees to choose from. If an employee asked me which one they should enroll in, I would first tell them I could assist them in walking through the process but that in the end, they have to choose which plan is right for them. From there, I would explain the main differences between the three choices and I would ask them some leading questions to help determine which one is right for them. Some of the key elements we would discuss are any doctors they currently see (to determine if they are in-network), any medical expenses they know they have coming up (such as pregnancies or surgeries), and their comfort with financial risk. Within the three options, you offer, there is one with a high payroll deduction and a low deductible, and another with a very low payroll deduction but a high deductible. The employee would want to consider if they are more comfortable paying more each paycheck but knowing if something happens, their expenses are limited, or if they would prefer to save the money each paycheck and take the gamble that if something happens, their medical expenses would be high."

Written by Tiffany McPherson on May 16th, 2022

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