If my employer doesn’t offer the benefits I need, where can I get help?

Although employers with 20 or more employees must provide access to affordable health benefits under law requirements, this doesn’t mean that the plans offered will be enough. If you find yourself in this predicament, there are some actions you can take. First, schedule a meeting with the benefits administrator at your workplace and talk about your needs. There is a good chance that the company can put you in touch with a voluntary benefits provider that may have some of the options you need to fill in gaps. Or you may be eligible to shop for a plan of your own choice and take advantage of a defined contribution option, which is where your employer provides you with a capped dollar amount to pay for benefit premiums each year. Lastly, you can participate in a health cost sharing program or discount wellness program where you can pay a flat rate per month and get services at the lowest rates. There are also low cost voluntary benefits available at group rates, for things like dental and vision care, prescriptions, and more. This can lessen the impact on your budget.