The United States primarily relies on employers to provide health insurance coverage to their employees and dependents. There is no universal healthcare (government programs are confined to older persons, people with disabilities, low-income mothers...
When you go out of network, you pay a larger part of the cost share for those services than you would for the same services provided by an in-network provider.
An Employee Assistance Program (EAP) is a voluntary, work-based program that offers free and confidential assessments, short-term counseling, referrals, and follow-up services to employees who have personal and/or work-related problems.
A Summary of Benefits & Coverage (SBC) summarizes the key features of a health plan or coverage (such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions).
