The Patton Group

Health Insurance 101: Don’t assume every service is covered right away. Review your policy documents or contact your insurance company to understand when coverage begins for doctor visits, prescriptions, specialist care, dental, vision, or other benefits.

One advantage of self-funding is transparency—employers can better see where healthcare dollars are actually going.

Reminder: HSAs offer a unique triple tax advantage: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified expenses.