Here's the important part: personalized plan recommendations — which plan fits your health needs, your budget, or your family situation — can only come from a licensed broker of record. That's a legal protection for you: it means the person advising you is qualified and accountable for that advice.
So while our Help Center can explain what each plan covers, no one here (including Pearl, our support assistant) can tell you which plan you should pick.
What we CAN help with here
The differences between the VitalCare, VitalCare+, Core, Premium, and Max plans — see [What is the difference between the VitalCare, VitalCare+, Core, Premium, and Max plans?]
What terms like deductible, copay, and out-of-pocket max mean
Where to find each plan's official documents and Summary of Benefits and Coverage (SBC)
When you want advice on which plan to choose
Email [email protected] and we'll connect you with our broker of record for a real recommendation. To speed things up, include:
Your full name and the email on your OS BENEFiTS account
What matters most to you (for example: lowest monthly cost, a specific procedure or prescription, coverage for your family)
Any deadline you're working against, like your enrollment window closing
You'll get guidance from someone who is actually licensed to give it — which is exactly what you deserve when it's your health and your money on the line.