"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."
