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[Music] when youre a new hire you typically only have a specific time in which to make your health insurance selections most companies give you 30 days to decide what plans you want although your actual coverage might not kick in until youve worked there a few months and with all of the options you have it can be a bit overwhelming you might feel like youre sorting through alphabet soup while looking over the different plans available to you the most common types of health insurance policies are hmos ppos epos and pos plans the kind you choose will help determine your out-of-pocket costs and which doctors you can see while comparing plans ask your workplace benefits administrator for a summary of benefits and coverage called an sbc its a document designed to help you compare policies using standardized language to break down exactly what coverage youre being offered with each plan you have the legal right to request an sbc when evaluating plans a glossary of terms should also be a
