In Case You Missed It: NBA in Baltimore


Benefits bonanza

It's that time of year when employers distribute scads of documents, loaded with tiny print, from which employees must make benefit elections. The process can be dizzying, so let's try to break down the choices. Health Care: 149 million Americans participate in employer-sponsored health insurance with 55 percent of companies' offering benefits. When reviewing health care plans, there are three basic questions to ask: (1) What does the plan cover? Check for services that you and your family are most likely want to need. (2) How much does it cost? Calculate monthly premiums and add out of pocket costs for deductibles, coinsurance and co-pays. (3) Are your doctors in the...