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Explore senior care and aging resources, including long-term care guidance, Medicare and Medi-Cal information, caregiver support, and retirement planning tools. Senior Care and Aging Resources Aging Parents Help Steps Aging Parents Resource Guide Better Health While Aging CA Dept. of Aging – Resources CA Dept. of Health Care Services – Long Term Care CA Long Term Care – Medicaid Eligibility CA Partnership for Long Term Care – R U Ready Resources Elder Legal Preparation for Aging Parents Care Family Caregiver Services – California Department of Aging HHS.gov – Elder and Caregiver Resources (1) HHS.gov – Elder and Caregiver Resources (2) Nursing Home Rankings National Council on Aging – Senior Benefits National Institute on Aging Senior Living – Home Care Finder MediCal – Medicaid Resources Benefits.gov – CA MediCal-Medicaid CA.gov Dept. of Health Care Services – MediCal CA.gov Dept. of Health Care – MediCAl California Dept. of Social Services – Community Care Covered California – How MediCal works Definition: CA MediCal & MediCaid Eligibility – Federal Medicaid Medicare.gov – Nursing Home Comparison and Resources Medicare.Gov – Home Health Comparison and Resources Medical & Prescription Discount Savings Medical Expenses (click on “Patient Savings”) Retirement Calculators 10 Best Retirement Calculators Market Watch – Retirement Calculator NERD WALLET RETIREMENT Medicare Resources CA Medicare – Health Assistance Medicare Provider Finder Senior Resources on Aging – Recognizing Fraud Safer Cars Downloadable Guides Filing a Health Insurance Clam Guide How Prescription Drug Coverages Work Guide

Explore medical condition resources, treatment insights, and insurance guidance to help you make informed health coverage decisions with The Benefits Store. Medical Conditions Empower your health insurance decisions with our Medical Condition Resources page. Dive into a wealth of information tailored to your needs, offering insights and support for navigating various medical conditions. Our expert-curated resources provide a guide for understanding conditions, treatment options, and insurance considerations. Streamline your search for relevant information, ensuring your health coverage aligns seamlessly with your unique requirements. Explore a specialized hub for California Realtors, offering valuable insights to enhance your health insurance journey. Your path to informed and comprehensive health coverage starts here. Cancer Resources American Cancer Society – Support Programs and Services Cancer Care – Finding Resources in Your Community Cancer.Net – Navigating Cancer Care Cancer Support – Resource Directory Cancer.org Choosing a Doctor and Hospital Cancer.org Choosing Your Treatment Team On Line – Cancer Discussion and Resources Diabetes Resources American Association of Diabetes Educators Diabetes – Self-Management Everyday Health Resources – Diabetes Resource Guide Heart Resources The Heart Foundation – Heart Disease Facts WebMD – Heart Disease Resources WomensHealth.gov – Heart Disease Resources Pregnancy Resources Any Baby Can – Community Resources Care Net Pregnancy Centers – Find a Pregnancy Center US Dept. of Health and Human Services – Health Assistance Programs WebMD – Pregnancy Resources Smoking Cessation Resources American Heart Association 1 – Resources to Help Quit Smoking CDC.gov 2 – Tips From Former Smokers Quit Smoking Resources SmokeFree.gov – Free Resources Patient Billing and Claims Advocacy Advocate Connection Directory CA Health Advocates – Medicare Billing and Claims CA Medicare Advocacy Center for Medicare Advocacy Patient Medicare Foundation – Pathways to Medicare and Medicaid Why Do Medical Claims Take Too Long? Downloadable Guides How Prescription Drug Coverages Work

Read The Benefits Store Privacy Policy to learn how we collect, use, and protect your personal information when you use our website and services. Privacy Policy This Privacy Policy ("Policy") applies to www.benefitsstore.com, and Benefits Store Insurance Services, Inc. ("Company") and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to the Company include www.benefitsstore.com. The Company's website is a Insurance site. By using the Company website, you consent to the data practices described in this statement. Collection of your Personal Information In order to better provide you with products and services offered, the Company may collect personally identifiable information, such as your: -First and last name -Mailing address -Email address -Phone number If you purchase the Company's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction. The Company may also collect anonymous demographic information, which is not unique to you, such as your: -Age -Gender We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) registering for an account; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future. Use of your Personal Information The Company collects and uses your personal information in the following ways: -to operate and deliver the services you have requested -to provide you with information, products, or services that you request from us -to provide you with notices about your account -to carry out the Company's obligations and enforce our rights arising from any contracts entered between you and us -to notify you about changes to our www.benefitsstore.com or any products or services we offer or provide through it -in any other way we may describe when you provide the information -for any other purpose with your consent. The Company may also use your personally identifiable information to inform you of other products or services available from the Company and its affiliates. Sharing Information with Third Parties The Company does not sell, rent, or lease its customer lists to third parties. The Company may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to the Company, and they are required to maintain the confidentiality of your information. The Company may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on the Company or the site; (b) protect and defend the rights or property of the Company; and/or (c) act under exigent circumstances to protect the personal safety of users of the Company, or the public. Tracking User Behavior The Company may keep track of the websites and pages our users visit within the Company, in order to determine what the Company services are the most popular. This data is used to deliver customized content and advertising within the Company to customers whose behavior indicates that they are interested in a particular subject area. Automatically Collected Information The Company may automatically collect information about your computer hardware and software. This information can include your IP address, browser type, domain names, access times, and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding the use of the Company's website. Links This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information. Security of your Personal Information The Company secures your personal information from unauthorized access, use, or disclosure. The Company uses the following methods for this purpose: - SSL Protocol When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol. We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet that are beyond our control; and (b) the security, integrity, and privacy of any and all information and data exchanged between you and us through this site cannot be guaranteed. Right to Deletion Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will: -Delete your personal information from our records; and -Direct any service providers to delete your personal information from their records. Please note that we may not be able to comply with requests to delete your personal information if it is necessary to: -Complete the transaction for which the personal information was collected, fulfill the terms -Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; -Debug to identify and repair errors that impair existing intended functionality; -Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech -Comply with the California Electronic Communications Privacy Act; -Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest -Enable solely internal uses that are reasonably aligned with your expectations based on your -Comply with an existing legal obligation; or -Otherwise use your personal information, internally, in a lawful manner Children Under Thirteen The Company does not knowingly collect personally identifiable information from children under the age of 13. If you are under the age of 13, you must ask your parent or guardian for permission to use this website. Email Communications From time to time, the Company may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our services, we may receive a notification when you open an email from the Company or click on a link therein. If you would like to stop receiving marketing or promotional communications via email from the Company, you may opt out of such communications by clicking on the unsubscribe button. Changes to This Statement The Company reserves the right to change this Policy from time to time. For example, when there are changes in our services, changes in our data protection practices, or changes in the law. When changes to this Policy are significant, we will inform you. You may receive a notice by sending an email to the primary email address specified in your account, by placing a prominent notice on our Benefits Store Insurance Services, Inc., and/or by updating any privacy information. Your continued use of the website and/or services available after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by that Policy. Contact Information The Company welcomes your questions or comments regarding this Policy. If you believe that the Company has not adhered to this Policy, please contact the Company at: Benefits Store Insurance Services, Inc. PO Box 238 Alamo, California 94507 Email Address: privacy@benefitsstore.com Phone Number: 925-478-3405 Effective as of January 01, 2025

Learn how to pick the right health plan with expert tips, cost comparisons, and trusted resources to help you make informed health insurance decisions. HOW TO PICK A HEALTH PLAN Navigate the complexities of selecting the ideal health plan with our concise resource page on "How to Pick a Health Plan." Gain expert insights and practical tips for informed decision-making tailored to your unique needs. From understanding coverage options to evaluating costs, trust us to be your go-to destination for streamlined guidance. Your journey to a well-informed health coverage choice begins here. How to Pick a Health Plan CA Dept. of Insurance – Health Resource Guide Health Plan Calculator WebMD Health Insurance Quiz Health Insurance News and Advice Consumer Reports – Guide to Health Insurance US National Library of Medicine Health Topic Resources WebMD Prescription Drugs Best Health Insurance Companies Rankings Downloadable Guides Affordable Care Act (ACA) Guide Can I Keep my Current Doctor w/ New Plan Guide Do I need a Referral to See a Specialist Guide Filing a Health Insurance Claim Guide How Prescription Drug Coverages Work Guide How to Choose the Right Health Plan Guide How to Choose a Primary Care Physician Guide In Network vs Out of Network Care Guide Out of Pocket Maximum Guide High-Deductible Health Plan (HDHP) Guide

Health Terms Empower your health insurance decisions with our Medical Condition Resources page. Dive into a wealth of information tailored to your needs, offering insights and support for navigating various medical conditions. Our expert-curated resources provide a guide for understanding conditions, treatment options, and insurance considerations. Streamline your search for relevant information, ensuring your health coverage aligns seamlessly with your unique requirements. Explore a specialized hub for California Realtors, offering valuable insights to enhance your health insurance journey. Your path to informed and comprehensive health coverage starts here. Health Terms Health Insurance Terms Downloadable Guides Health Insurance Terms Guide What is Health Insurance Guide What is the Open Enrollment Period Guide

Find health insurance and benefits for California Realtors, including dental, vision, and life plans. Discover affordable coverage options through The Benefits Store. California Health Insurance Find My Plan Schedule Phone Appointment Our Programs Includes Anthem Blue Cross® Medical Plan, Principal Dental Access Plan, Mutual Of Omaha Guaranteed Issue Group Life Insurance with AD&D, Vision Plan of America, and Admin Fee CREBP Benefit Package* w/Anthem Blue Cross® Medical Find My Plan Shop, compare and select the most affordable group health insurance plans. Let’s help you save $$$ and provide the best for your team. Have both W-2 employees and 1099 Independent Contractors? Ask us about our Private Label program. Employer Group Health Find My Plan Includes Kaiser® Medical Plan, Principal Dental Access Plan, Mutual Of Omaha Guaranteed Issue Group Life Insurance with AD&D, Vision Plan of America, and Admin Fee CREBP Benefit Package* w/Kaiser® Medical Find My Plan Get Quality Health Insurance at a Price You Can Afford! More than 50 plan options available for individuals and families. Whether you are self-employed, in-between jobs or in need of health insurance coverage, we have a plan for you. Individual and Family Health Find My Plan Health Find My Plan Realtor©, Corporate and Affiliate Association Members can choose from CREBP packages with more than 20+ Kaiser® Group Plan Options and more than 60+ Anthem Blue Cross® Group Plan Options. Monthly E-Newsletter and Benefit Advisor We scour the web for straight-forward articles from reputable third-party sources (such as Kaiser, The Wall Street Journal & more) that address how the various topics of health care can have a direct impact on our clients. The newsletter includes several columns on current health news, health events and recognized health days. We send these directly to our clients. We utilize both Facebook and Twitter to keep our clients and Associations up to date on the most important developments in the health care marketplace and to communicate topics of interest that can have a direct effect on health and health care coverage. *The E-Newsletter can be copied & pasted for inclusion on Association websites and/or electronic correspondence to Association Members. Employer Groups The health insurance marketplace is very dynamic and constantly changing. The Benefits Store utilizes the latest options in program design to meet both your budget and your employee’s health needs. We partner with technical online platforms (including Quotit) for fast turnaround and enrollment in the bidding cycle. Covered California Benefits Store and California’s Health Exchange – Covered California (Covered CA) Our firm has multiple Brokers that have successfully completed the Covered CA licensing requirements and are certified to assist consumers with the navigation and enrollment process into California’s Health Exchange. The process can be complicated for consumers doing this on their own, as well as choosing the best plan for themselves and their family. Since there is no discount/price savings for clients enrolling on their own, it is usually advisable to have assistance from a Benefit Store Broker in this process. We have a dedicated section that is an educational and information resource for individuals needing clarification on Covered CA issues for the self-employed and small businesses. It addresses many of the questions we have been getting from Californians and even provides a subsidy calculator. Go to the Covered California page. What Our Clients Say ★★★★★ Thank you again for your time, help and perseverance to get this accomplished. You've given us some peace of mind regarding health coverage. Please let us know who we can commend you to at the Benefits Store. Michelle and the Get Results Team ★★★★★ You guys are really great. I just stood up on the bleachers at my sons' baseball game and announced your praises! Beth, Santa Barbara CA ★★★★★ After just 4 days The Benefits Store staff accomplished more than other "industry related" staff were able to do after 30 days! Plus the staff is sincere and easy to work with! Jennifer, San Diego CA Our Partners

Explore the Benefits Store Resource Center for health insurance guides, expert articles, videos, and tools to help you make informed healthcare decisions. Resource Center The Benefits Store Resource Center is designed to empower you with valuable information and insights on various health-related topics. From wellness tips to navigating insurance options, discover expert articles, guides, and tips on a variety of health topics, from insurance FAQs to wellness advice. Stay informed, make informed decisions and take proactive steps towards a healthier lifestyle. Elevate your wellness journey by tapping into the wealth of comprehensive information waiting for you. How to Pick a Health Plan Medical Condition Resources Health Terms Professional Resources and Ranking Senior Care and Aging Resources Consumer Information on Health Plans and Medicaid/Medi-Cal

Get in touch with The Benefits Store for assistance with health insurance, employer benefits, or coverage questions. Call or send us a message today. Contact Us Phone: (800) 446-2663 Email: Info@BenefitsStore.com First Name Last Name Email Phone Home Zip Code Message Send me the Monthly Newsletter Send Your data is encrypted with a Comodo SSL Security Certificate

Protect your income with individual disability insurance that replaces lost earnings if illness or injury prevents you from working. Explore coverage options. Disability Insurance Protect one of your most valuable assets, Your Income, with Disability Insurance. Having homeowners protection and auto insurance provides peace of mind if you ever need to file a claim for home damage or a car accident. But, what about the peace of mind in knowing you can continue to pay everyday living expenses if you become too sick or hurt to work? Protect your financial foundation — your income — in the event of a disabling illness or injury with Individual Disability Income (DI) insurance. Insuring your income Protecting your financial security. The premium for an Individual DI policy is typically just 1 to 3% of what you earn — often less than the cost of a monthly date night, buying lunch every day or your monthly technology needs (smartphone, internet and cable service). The Benefit Store offers several Types of Disability Insurance Policies for both individuals and business owners with 10 highly rated carriers. Most policies can be catered to meet your individual needs based on your goals and options desired. Ask us about disability insurance First Name Last Name Email Phone Home Zip Code Message Send me the Monthly Newsletter Send Your data is encrypted with a Comodo SSL Security Certificate Types of Disability Insurance Individual Disability insurance can replace a portion of lost income if you are unable to work due to sickness or injury. It can help you to meet your financial obligations and maintain your current lifestyle. Some of the benefits Individual Disability Insurance include: Monthly Benefit Payments - After an initial waiting period, benefits are paid for each month you can't work through the policy's maximum benefit period Non-cancelable and Guaranteed Renewable Coverage Available - Provided premiums are paid on time, your insurance cannot be canceled or changed. Your coverage or premium rates remain the same from the first premium due date until on or after your 67th birthday. Up to 66% Income Replacement for Individuals - Benefits from your disability policy are paid to you income tax free for the length of any long term or total disability Own Occupation - If you become totally disabled from your occupation and choose to work in another occupation, you’ll receive full benefits, regardless of the income you earn from the other occupation Residual and Recovery Benefit - Pays you when you are partially disabled and not earning 100% of your pre-disability earnings. Your Residual benefit will pay you relative to your loss of income. If you can only earn 50% of your previous income, your residual benefit will be 50% of your disability benefit until you get back to your full income. Frequently asked questions What benefit amount do I qualify for based on my current my income Your benefit amount is based on a percentage of your income. Typically this will be in the 60% range of adjusted gross income and can be a tax-free benefit. What is the elimination (waiting) period? What is the difference in cost by shortening or lengthening that period? The elimination periodrefers to the length of time you must be disabled before benefits begin. It can be 30, 60, 90, 180 or 365 days. The longer the elimination period, the lower the cost will be. One point to keep in mind is that individual DI policies usually pay the claimant at the end of each month – so if you have a 90-day elimination period, you will not receiveyour first claim check until the 120th day (or around this time). What is the benefit period? The benefit period refers to the length of time that the benefit is paid once you have satisfied the elimination period and are on claim. Policies commonly pay for two, five or 10 years and to age 65, 66 or 67. Obviously, the longer the benefit period, the higher the cost will be. Does my benefit coordinate with other insurance benefits (such as workers comp or Social Security)? Many individual policies do not coordinate with workers compensation or Social Security. These policies are generally offered to mostly white-collar-type occupations and more highly compensated individuals. In other occupations, and in most group disability insurance, there may be coordination with other disability benefits. This has the positive effect of lowering premiums. What is the definition of disability in the contract? Does this definition change after a period of time? The definition of disability is one of the most important elements in the policy. Definitions vary from each disability company, and sometimes even within the same company. There are definitions that cover specific job duties, any job duties, or loss of income only. Consequently, it is essential that you seek the advice of a professional DI advisor to guide you through the variations and the potential positive and negative features. Do I need to be totally disabled to receive a benefit, or does my policy contain a partial benefit provision? Many of the quality individual disability policies on the market today provide for Residual, or partial, disability benefits. Sometimes this feature is included in the policy; in others, it is added by rider. In both instances, the plans provide that a proportionate benefit is paid based on a percentage of your loss of income. For example, a 50% loss of income during a partial disability would result in a benefit of 50% of your regularmonthly benefit. The residual-type benefit is usually paid to age 65 as long as the insured continues to sustain an income loss. What optional benefits are available to me? Many companies offer an array of options that can be added to the policy. Each of these additional features will have its own cost.This approach offers great flexibility in designing a plan to suit your particular needs. Some of the optional features are the aforementioned residual rider, an own-occupation rider (enhances the definition of disability in the policy), a non-cancelable rider (provides for level premiums during the duration of the policy), a future purchase option rider (guarantees your right to purchase additional amount of protection without evidence of medical insurability) and cost of living rider (designed to protect your benefit from the erosion of inflation). What is the rating of the carrier? There are various rating agencies that are independent and that assign ratings to insurance companies based on an in-depth study of their operations and financial stability. Some of the more widely known agencies are A.M. Best, Standard & Poor’s, Fitch and Moody’s. The rating is typically assigned in the form of letters, e.g., AAA or A+. Each company’s website will have a link to its ratings.Financially sound companies are an important factor in deciding the company with which you chose to do business. What is the reputation of the carrier as it relates to paying claims? Since this is a subjective question, we recommend checking with your state Department of Insurance for the complaint record of a particular company you are considering. Most Departments of Insurance keep records of this type and it is considered public information. What occupational classification have I been placed into? Can this change if I change occupations? The nature of the work you do is a critical factor in determining the premium you will pay for your policy. Those engaged in manual labor will pay higher premiums for each unit of coverage than those in professional careers and administrative-type work. Each company maintains an occupational manual into which they have listed many different occupations. Based on this listing, an occupation code will be assigned to that individual and the subsequent rate will be determined accordingly. Once an individual policy is issued, the company cannot change the classification. If you move to a less risk-oriented occupation, you can apply for a classification change and, possibly, a reduction in premium. How long will it take to get a policy issued? The length of time for the issue of a policy will vary depending on the number and nature of additional requirements for that particular case. Companies may wish to acquire medical records for previous medical issues and sometimes this process can take many weeks. Generally, you can expect a disability policy to be issued within four to six weeks. What exclusions are in my policy? Exclusions in disability policies are those situations or events under which the policy will not pay a claim, and are usually few in number. Most often the exclusions apply to disabilities arising as a result of a crime, self-inflicted injuries, war or military action. Be sure to check any DI proposal for these exclusions so you are fully informed as to what is not covered. Protect your Business with Business Overhead Expense Business Overhead Expense insurance assures the business owner will have a business to come back to after recovering from an injury or sickness. Or have a business to sell that has not depreciated if not coming back. Some of the Benefits from Business Overhead Expense Insurance Include: Reimburse the small Business Owner - the fixed expenses of their business Including, Rent, Utilities, Insurance and Employees Salaries. Tax Advantages - Premiums for Business Overhead Expense Insurance are tax deductible to the business. Benefits can be payable after 30 days - benefits can begin after 30, 60 or 90 days. Benefit Update - assures the business owner can increase coverage as his expenses increase with no additional underwriting Residual Benefit - pays a partial benefit if the business owners can only performs some (not all) of their daily duties Key Person Replacement Key Person Replacement is an efficient way to provide successful businesses with the funds necessary to financially handle the loss of a key employee or executive due to a total long-term illness or injury that prevents them from performing their job duties. Benefits can be used at the discretion of the employer, but common uses include: Recruitment and training costs for a sound replacement Indemnify the company for lost revenue and profits Temporary staffing needs Funds can be available to the business in a short as 30 days after an injury or illness of the Key Employee to help keep the business operating smoothly. Benefits can be paid monthly for up to 1 year or until the employee is recovered and back to work full-time. If the Key Employee has not returned after 12 months, a Lump Sum payment can be paid to help recover lost future revenue. Disability Buyout for Business Owners Disability Buy-Out insurance reimburses the Business or Policyholder for the purchase of a totally disabled insured’s interest in the business under a buy-sell agreement. These funds allow you and your partners to: Maximize the financial return when the business is transferred, while minimizing the tax liability. Help the business survive a partner’s departure — allowing remaining owners and their families to receive the full value. Protect the disabled partners value in the business during a difficult time of recovery Benefits can be paid after 365 days of disability in either a lump sum or installments up to 5 years subject to the terms of their buy-sell agreement.

Vision Your vision is important to your health. Whether it’s 20/20 or less than perfect vision, everyone needs to receive regular vision care. The benefits of an annual eye examination include: To correct visual deficiencies Improve reading ability and retention Decrease Eye Fatigue brought on by modern life such as hours of reading on your phone or computer Early detection of a variety of health issues including: Glaucoma, Cataracts, Arterial Sclerosis, Diabetes, etc. Carefully review the summary of your new Vision Care Program. Please, don’t take chances with your most precious possession – the gift of sight. Take advantage of this very important benefit. Vision Health Maintenance Organization (HMO) A type of vision insurance plan that usually limits coverage to care from optometrists who work for or contract with the vision health maintenance organization (HMO). An HMO may require you to live or work in its service area to be eligible for coverage. Copay : A flat fee you pay for specific services and products covered under your vision health care plan. Coinsurance : A percentage of the cost that you’re responsible for paying when you receive a specific service or product. People often confuse coinsurance with copays, but they’re different. Your plan may have copays or coinsurance — or it may have both. Vision Examinations : Your vision plan offers free periodic examinations. Vision Preferred Provider Organization (PPO) A type of vision health insurance plan that contracts with participating optometrists to create a network. You pay less if you use optometrists that belong to the plan's network. You can use optometrists outside the network for an additional cost. Copay : A flat fee you pay for specific services or products covered under your vision health care plan. Coinsurance : A percentage of the cost that you’re responsible for paying when you receive a specific service or product. People often confuse coinsurance with copays, but they’re different. Your plan may have copays or coinsurance — or it may have both. Vision Examinations : Your vision plan offers annual exams with a $15.00 co-pay in network, and $40 co-pay out-of-network.

Explore Colonial Life supplemental insurance including accident, critical illness, hospital indemnity, and cancer coverage to help protect against unexpected expenses. Available Voluntary Benefits Benefits paid directly to you that can help pay expenses if a covered accident occurs. Accident Insurance Find My Plan Provides a lump-sum benefit if you are diagnosed with a covered illness. These payments can be used however they are needed. Critical Illness Insurance Find My Plan Can pay a benefit directly to you for hospital stays or outpatient surgery, in addition to any medical insurance you have. Hospital Indemnity Insurance Find My Plan Helps offset out-of-pocket expenses incurred from initial diagnosis through recovery. Provides an additional benefit for cancer screening tests. Cancer Insurance Find My Plan

Find insurance enrollment, change, and billing forms for Kaiser, Anthem Blue Cross, dental, and vision plans from The Benefits Store. Insurance Forms Health Insurance Forms Kaiser Forms CREBP Kaiser Application CREBP Kaiser Change Form Anthem Blue Cross Forms CREBP-NORBAR Anthem Enrollment Application CREBP Anthem Information Change Form Covered California Primary Applicant Application Dependent Information Covered California Streamlined Application Covered California Subsidy Information Vision Forms Spectera-Unitedhealthcare Enrollment Form & Instructions Plan Summary Vision Plan of America Enrollment Form & Instructions Plan Summary Billing Forms Payment Options Billing Information – Payment Options Payment Form Payment Form (ACH – CCA – EFT) Payment Frequently Asked Questions Your Benefits Bill – Frequently asked questions Dental Forms Dental DHMO Matrix 2020 Dental Indemnity Matrix 2014 Delta Care USA DHMO Enrollment Form & Instructions Plan Summary Met Life – Safeguard DHMO Enrollment Form & Instructions Plan Summary UnitedHealthcare Enrollment Form & Instructions Plan Summary Primestar Enrollment Form & Instructions Advantage Plus Plan Summary Advantage Plan Summary Complete Plan Summary Essential Plan Summary