How can I know what kind of employee benefits I need?

This is an individual question, based on your unique needs and lifestyle. Each person is responsible for his or her own well-being, with the exception of minor children who need their parents to provide for them. To best answer this question for yourself, determine what health services you are likely to participate in the coming year. You can look back to the past, your health history, your age related concerns for screenings you may need, and any current medical care you receive. You will be looking at other factors too, such as what your budget allows in terms of monthly premiums and out of pocket costs.