Welcome to BENEFITchoice

Employee Benefits Assessment Tool

Learn About Your Benefits

BENEFITchoice is an employee benefits educational tool that gives you access to important product information and videos about supplemental and voluntary benefits available through your employer. Benefits are organized into three categories: employer-funded benefits, voluntary health benefits, and voluntary financial benefits. Simply click on the buttons below to access your benefits programs.

Our benefits decision support tool educates your employees on their options and guides them to supplemental benefits that are the best fit for them and their families

Your Eligible Benefits Plans

Click on the categories tab below to filter eligible benefits.

Input is required.
health and wellness
Dental Insurance
Employer Contribution
Product/Service Contribution
Employee $5.19
Employee & Spouse / LDA $5.19
Employee & Child(ren) $5.19
Family $5.19

Watch this

How to Choose Dental Insurance
Product/Service Contribution
EE - Delta Dental (monthly) $26.08 - STD / $51.18 - ENH
EE - Aetna (monthly) $30.08 - Aetna
EE & SP/LDA - Delta Dental $66.86 - STD / $124.48 - ENH
EE & SP/LDA - Aetna $72.30 - Aetna
EE&CH - Delta Dental $54.30 - STD / $101.92 - ENH
EE&CH - Aetna $81.54 - Aetna
FAM - Delta Dental $82.44 - STD / $152.68 - ENH
FAM - Aetna $121.88 - Aetna
Product/Service Contribution
EE - Delta Dental (monthly) $26.08 - STD / $51.18 - ENH
EE - Aetna (monthly) $30.08 - Aetna
EE & SP/LDA - Delta Dental $66.86 - STD / $124.48 - ENH
EE & SP/LDA - Aetna $72.30 - Aetna
EE&CH - Delta Dental $54.30 - STD / $101.92 - ENH
EE&CH - Aetna $81.54 - Aetna
FAM - Delta Dental $82.44 - STD / $152.68 - ENH
FAM - Aetna $121.88 - Aetna
The Value of Dental Insurance

If you typically need just checkups and an occasional filling, look at a preventative- services only plan. If you occasionally require more significant dental work, look for a plan that covers fillings, crowns, and other major services (which are typically covered at 50%)

fianancial wellness
Dependent Purpose FSA

Watch this

How to Choose Dependent Purpose FSA
The Value of Dependent Purpose FSA

Programs may include help in reorganizing your debt, reducing interest expense and payments, or even helping with financial assistance.

health and wellness
Flexible Spending Account (FSA)

Watch this

How to Choose Flexible Spending Account (FSA)
The Value of Flexible Spending Account (FSA)

Tax-friendly accounts to save for medical, dental, vision and other qualified expenses. FSA dollars do not accumulate year over year. You can roll over and invest your HSA funds and save for future needs. You cannot contribute to both an HSA and a medical FSA (except a limited purpose FSA) in the same tax year.

health and wellness
Hospital Indemnity Plans

Watch this

How to Choose Hospital Indemnity Plans
The Value of Hospital Indemnity Plans

Pays a fixed dollar benefit to help offset non-covered expenses in the event of a hospitalization. Consider spending some of your HDHP premium savings (versus a higher-premium plan) on an indemnity policy to offset an unplanned medical needs. Policies differ and a few will make an HSA ineligible, so look at the fine print.

fianancial wellness
Legal Insurance
The Value of Legal Insurance

Provides basic legal services and document prep. For a few dollars a month, you get legal support and can be sure your legal responsibilities are in order (e.g., wills, living wills, DNRs, etc.)

health and wellness
Vision Insurance

Watch this

How to Choose Vision Insurance
Product/Service Contribution
EE (Monthly) $6.68
EE & SP/LDA $12.64
ECH $13.28
FAM $19.50
Product/Service Contribution
EE (Monthly) $6.68
EE & SP/LDA $12.64
ECH $13.28
FAM $19.50
The Value of Vision Insurance

If you need glasses, contacts or other vision correction, a vision plan can significantly offset your costs. Make sure your preferred opticians and brands are in the network to get full benefit of the coverage. Often covers most of the cost of an annual routine eye exam.

health and wellness
Voluntary Accident
The Value of Voluntary Accident

Provides funds to pay for out-of-pocket and other expenses following an accident or injury. It fills your health insurance “gaps” and provides peace of mind when an unexpected accident leads to financial pressure. Check the policy for the specific list of accidents covered.

health and wellness
Voluntary Critical Illness

Watch this

How to Choose Voluntary Critical Illness
The Value of Voluntary Critical Illness

Helps those diagnosed with a qualifying critical illness avoid financial hardship. Policies typically include coverage for cancer, a severe heart condition, a stroke, Alzheimer’s disease, and other critical conditions. These policies typically help with out-of-pocket medical expenses as well as indirect costs, like transportation, lodging or lost wages.

fianancial wellness
Voluntary Life and AD&D

Watch this

How to Choose Voluntary Life and AD&D
The Value of Voluntary Life and AD&D

How much is enough? Most think about the number of years of salary you’d want to leave behind to beneficiaries. One common rule of thumb is that household leaders should carry 7-10 times their annual compensation in life insurance death benefit.

Dental Insurance
Employer Contribution
Product/Service Contribution
Employee $5.19
Employee & Spouse / LDA $5.19
Employee & Child(ren) $5.19
Family $5.19

Watch this

How to Choose Dental Insurance
Product/Service Contribution
EE - Delta Dental (monthly) $26.08 - STD / $51.18 - ENH
EE - Aetna (monthly) $30.08 - Aetna
EE & SP/LDA - Delta Dental $66.86 - STD / $124.48 - ENH
EE & SP/LDA - Aetna $72.30 - Aetna
EE&CH - Delta Dental $54.30 - STD / $101.92 - ENH
EE&CH - Aetna $81.54 - Aetna
FAM - Delta Dental $82.44 - STD / $152.68 - ENH
FAM - Aetna $121.88 - Aetna
Product/Service Contribution
EE - Delta Dental (monthly) $26.08 - STD / $51.18 - ENH
EE - Aetna (monthly) $30.08 - Aetna
EE & SP/LDA - Delta Dental $66.86 - STD / $124.48 - ENH
EE & SP/LDA - Aetna $72.30 - Aetna
EE&CH - Delta Dental $54.30 - STD / $101.92 - ENH
EE&CH - Aetna $81.54 - Aetna
FAM - Delta Dental $82.44 - STD / $152.68 - ENH
FAM - Aetna $121.88 - Aetna
The Value of Dental Insurance

If you typically need just checkups and an occasional filling, look at a preventative- services only plan. If you occasionally require more significant dental work, look for a plan that covers fillings, crowns, and other major services (which are typically covered at 50%)

Dental Insurance
Employer Contribution
Product/Service Contribution
Employee $5.19
Employee & Spouse / LDA $5.19
Employee & Child(ren) $5.19
Family $5.19

Watch this

How to Choose Dental Insurance
Product/Service Contribution
EE - Delta Dental (monthly) $26.08 - STD / $51.18 - ENH
EE - Aetna (monthly) $30.08 - Aetna
EE & SP/LDA - Delta Dental $66.86 - STD / $124.48 - ENH
EE & SP/LDA - Aetna $72.30 - Aetna
EE&CH - Delta Dental $54.30 - STD / $101.92 - ENH
EE&CH - Aetna $81.54 - Aetna
FAM - Delta Dental $82.44 - STD / $152.68 - ENH
FAM - Aetna $121.88 - Aetna
Product/Service Contribution
EE - Delta Dental (monthly) $26.08 - STD / $51.18 - ENH
EE - Aetna (monthly) $30.08 - Aetna
EE & SP/LDA - Delta Dental $66.86 - STD / $124.48 - ENH
EE & SP/LDA - Aetna $72.30 - Aetna
EE&CH - Delta Dental $54.30 - STD / $101.92 - ENH
EE&CH - Aetna $81.54 - Aetna
FAM - Delta Dental $82.44 - STD / $152.68 - ENH
FAM - Aetna $121.88 - Aetna
The Value of Dental Insurance

If you typically need just checkups and an occasional filling, look at a preventative- services only plan. If you occasionally require more significant dental work, look for a plan that covers fillings, crowns, and other major services (which are typically covered at 50%)

Flexible Spending Account (FSA)

Watch this

How to Choose Flexible Spending Account (FSA)
The Value of Flexible Spending Account (FSA)

Tax-friendly accounts to save for medical, dental, vision and other qualified expenses. FSA dollars do not accumulate year over year. You can roll over and invest your HSA funds and save for future needs. You cannot contribute to both an HSA and a medical FSA (except a limited purpose FSA) in the same tax year.

Hospital Indemnity Plans

Watch this

How to Choose Hospital Indemnity Plans
The Value of Hospital Indemnity Plans

Pays a fixed dollar benefit to help offset non-covered expenses in the event of a hospitalization. Consider spending some of your HDHP premium savings (versus a higher-premium plan) on an indemnity policy to offset an unplanned medical needs. Policies differ and a few will make an HSA ineligible, so look at the fine print.

Vision Insurance

Watch this

How to Choose Vision Insurance
Product/Service Contribution
EE (Monthly) $6.68
EE & SP/LDA $12.64
ECH $13.28
FAM $19.50
Product/Service Contribution
EE (Monthly) $6.68
EE & SP/LDA $12.64
ECH $13.28
FAM $19.50
The Value of Vision Insurance

If you need glasses, contacts or other vision correction, a vision plan can significantly offset your costs. Make sure your preferred opticians and brands are in the network to get full benefit of the coverage. Often covers most of the cost of an annual routine eye exam.

Voluntary Accident
The Value of Voluntary Accident

Provides funds to pay for out-of-pocket and other expenses following an accident or injury. It fills your health insurance “gaps” and provides peace of mind when an unexpected accident leads to financial pressure. Check the policy for the specific list of accidents covered.

Voluntary Critical Illness

Watch this

How to Choose Voluntary Critical Illness
The Value of Voluntary Critical Illness

Helps those diagnosed with a qualifying critical illness avoid financial hardship. Policies typically include coverage for cancer, a severe heart condition, a stroke, Alzheimer’s disease, and other critical conditions. These policies typically help with out-of-pocket medical expenses as well as indirect costs, like transportation, lodging or lost wages.

Dependent Purpose FSA

Watch this

How to Choose Dependent Purpose FSA
The Value of Dependent Purpose FSA

Programs may include help in reorganizing your debt, reducing interest expense and payments, or even helping with financial assistance.

Legal Insurance
The Value of Legal Insurance

Provides basic legal services and document prep. For a few dollars a month, you get legal support and can be sure your legal responsibilities are in order (e.g., wills, living wills, DNRs, etc.)

Voluntary Life and AD&D

Watch this

How to Choose Voluntary Life and AD&D
The Value of Voluntary Life and AD&D

How much is enough? Most think about the number of years of salary you’d want to leave behind to beneficiaries. One common rule of thumb is that household leaders should carry 7-10 times their annual compensation in life insurance death benefit.