FAQs

You can make changes to your current benefit elections during your annual open enrollment period or when you experience a qualified life event.

If Austin Benefits Group is your benefits agency, you can contact your Austin Enrollment Specialist for help with a replacement card. If you are unsure who you Enrollment Specialist [...]

Evidence of Insurability (EOI) is an application process to provide an insurance company with information on your health status in order to get certain types of insurance coverage. EOI [...]

Step therapy is used by insurance carriers to help control the rising costs of prescription drugs. With step therapy, you will be required to try a medication or dosage [...]

A generic drug is identically equivalent to the brand name drug in form, safety, strength, quality and intended use. Although identical, generic drugs are substantially cheaper than their brand [...]

An in-network physician is part of your insurance companies network and is contracted by your carrier to provide lower costs for services.  If you have a PPO insurance plan, [...]

The best way to find an in-network physician is to go to your insurance carrier website. Each insurance carrier has a listing of physicians affiliated with their networks.  You [...]

A Health Reimbursement Arrangement (HRA) is also referred to as a Health Reimbursement Account. With an HRA, your employer sets aside money for you to use on qualified medical [...]

A Flexible Spending Account (FSA) is an account that is set up for individuals to set aside pre-tax money to be used for eligible health care expenses. Many FSAs [...]

Health Savings Accounts are savings accounts for individuals with High Deductible Health Plans (HDHP). These savings accounts allow you to pay for qualified out-of-pocket expenses with pre-tax dollars. Unlike [...]