View your 2024 employee benefits guide by clicking on the cover image to learn more about your benefits and plan options


Watch this video to help you better understand some common terminology used in insurance and its meaning.


Watch this video to learn more about the basics of benefits to help you better understand your benefit options.








More Information on Common Health Conditions Below!
Your
Benefits
The following sites contain information about getting to know your benefits when it comes to certain plans and plan types. Click the links to learn more:

Understanding your insurance coverage and options can be challenging, so use this website to navigate benefit basics and information.

Some commonly used insurance terms can be difficult to understand. Use this site to learn more about what certain vocabulary means.

Protecting your oral health is vital. Learn more about dental plans using this site.

Use this page to understand more about how life insurance coverage can impact you and your family.

Protecting your eyesight is extremely important. This site can help you learn more about your vision coverage options.

Being unable to work for extended periods of time may affect your life and your insurance. Check out this website to learn more about disability coverage and benefits.

We understand that a disability can have a significant impact on your stability, which is why having the right disability insurance coverage is crucial.

A high deductible health plan is a health insurance plan with lower premiums and higher deductibles than a traditional health plan.

A Health Savings Account (HSA) is a type of personal savings account you can set up to pay certain health care costs. An HSA allows you to put money away and withdraw it tax free to use for qualified medical expenses.
In this series of webpages, you will find useful information about getting to know more about your prescriptions and drug costs.
In this series of webpages, you will find useful information about getting to know more about your prescriptions and drug costs.
In this series of webpages, you will find useful information about getting to know more about your prescriptions and drug costs.
With this page, you will find tips about how to better understand your formulary and drug options.
This page will show you how to better use your formulary to lower the cost of certain medications.
This page will show you how to better use your formulary to lower the cost of certain medications.
With this page, you can learn how to lower your spending by finding alternatives to popular, expensive medications.
With this page, you can learn how to lower your spending by finding alternatives to popular, expensive medications.
This nourishing lotion is clinically proven to improve the health of dry skin in 1 day with significant improvement in 2 weeks.
With this page, you can learn how to lower your spending by finding alternatives to other types of expensive medications.
In this series of webpages, you will find useful information about getting to know more about your prescriptions and drug costs.
On this page we will give you some tips and tricks that will lower your medication expenses.
In this series of webpages, you will find useful information about getting to know more about your prescriptions and drug costs.
Many people are unaware they have high cholesterol until it worsens. Learn more about the types of cholesterol, the causes of high cholesterol and how to address the condition.
In this series of webpages, you will find useful information about getting to know more about your prescriptions and drug costs.
This page aims to provide valuable information on ten of the most commonly prescribed blood pressure medications, along with their various other uses.
Use this checklist to help you plan for open enrollment and keep up with important steps in this process.

Open Enrollment can be an overwhelming time for both employers & employees. To make the this process as smooth as possible, it is important for employers to educate and communicate effectively with employees.

Here are five aspects of your benefit plans to think about to when making choices about your coverage.

Click here to get answers to your Open Enrollment questions.

Virtual Tools Solutions has a website available to you that has even more information on your benefit plans. Click on the button below and you will be taken to our benefit website.
Our website has tools to help you make decisions.
Everything at your fingertips! Click below to go to our benefits website.
