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Decision Mate

Benefit decisions are BIG decisions. They are important to your health, your finances and your peace of mind. They are decisions you should think carefully about as you prepare for the 2018 benefits plan year. This Decision Mate is designed to help you think through your choices. Take the time to understand your options and decide what’s best for you and your family. Choosing your benefits wisely can reduce your out-of-pocket costs.

Which medical plan is right for you?

Would you rather pay less per pay period and more out-of-pocket when you need healthcare services?

Yes
No

Do you or your family generally visit the doctor only for preventive care?

Yes
No

If you had lower contributions per pay period, would you save the difference in a tax-free Health Savings Account (HSA)?

Yes
No

Is the Health Care Flexible Spending Account (FSA) for you?

Do you or any of your family members expect to visit the doctor or chiropractor this year?

Yes
No

Do you or any of your family members take prescription medications?

Yes
No

Will you or any of your family members have dental or vision care this year?

Yes
No

Are you or any of your family members considering hearing aids, laser eye surgery or new glasses or contacts?

Yes
No

Is the Dependent Care Flexible Spending Account (FSA) for you?

Do you have dependent children who need day care while you are at work?

Yes
No

Do you have a dependent parent or spouse who needs day care while you are at work?

Yes
No

Did you say yes to one or both of the above and want to save on taxes?

Yes
No

Which Dental plan is right for you?

Would you rather pay more per pay period for coverage and less when you go to the dentist?

Yes
No

Do you anticipate major restorative services such as crowns or dentures?

Yes
No

Do you or your family members need braces?

Yes
No

Should you choose Vision coverage?

Do you or any of your family members wear glasses or contact lenses?

Yes
No

Do you or any of your family members have annual vision exams?

Yes
No

Will it cost you more to buy vision care outside the plan than it will to enroll in the Vision plan?

Yes
No

What’s the status of your Retirement Savings Plan?

Do you want to invest for your future or build your investment portfolio?

Yes
No

Are you interested in increasing your savings by contributing money you might be saving on medical contributions or expenses?

Yes
No

Do you try to save money, but find your “savings” are spent on other things?

Yes
No

Voluntary Life or Dependent Life Insurance?

Does your family rely heavily on your paycheck to pay all the bills?

Yes
No

Do you have a health condition that would prevent you from purchasing independent life insurance at a low rate?

Yes
No

Would your family have limited or no savings to pay bills if you died?

Yes
No

Do you have large expenses such as a mortgage, monthly rent, a car payment, etc. your family would continue to pay after your death?

Yes
No

 

BEFORE YOU GO TO THE NEXT PAGE, please print your Decision Mate. You will NOT be able to save this page. This information will be referenced later in your guide. Your answers will help you make good decisions about your benefits.

If you’re using a smart phone, write down your answers or take a screen shot.

I have my Decision Mate answers printed or written down.

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QUESTIONS?

Contact the Total Rewards

Benefits Service Center at (800) 963-3456

or email TotalRewards@PalmettoHealth.org

Plan Year: January 1 through December 31, 2018

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