Open Enrollment ends December 15, but that doesn’t mean you don’t have questions! Remember, you must have a qualifying event to enroll after the December 15 deadline.

Did you know you already have an advocate at The Viti Companies? It’s true! Martha King is our dedicated agent, and she will help you all the way, from understanding which plan is best for your needs, to making sure your doctor is in the right network, to checking medication lists, and even helping you understand qualifying events. Oh, and maybe the best part is you won’t have to sit on hold forever!

Cost: $0.00

Check out the terms below, and when you are ready to enroll, give Martha a call (but make sure it’s before December 15!).


DEDUCTIBLE – The amount you pay for covered health care services before your insurance plan starts to pay.
COINSURANCE – The percentage of costs of a covered health care service you pay (20 percent, for example) after you’ve paid your deductible.
PREMIUM – The amount you pay for a health plan in exchange for coverage.
OUT-OF-POCKET MAXIMUM (OOPM) – The highest out-of-pocket amount paid for covered services during a benefit period.
OUT-OF-NETWORK SERVICE – Health care you receive without a physician referral, or services received by a non-network service provider.

Let us know how we can help!

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