It's the new year and whether you moved to a new health care plan or not, it's a good time to review your policy. It's possible that there have been changes in coverage and you surely don't want to get stuck with surprise charges.
Asking detailed questions is nothing more than advocating for ourselves. Sometimes you don't like the hassle of having to call but ultimately it IS your responsibility to read through your Summary Plan Description (SPD) and understand your plan.
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