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Consumer Guides

Health Insurance

Health insurance is an important coverage that can protect you and your family from the devastating financial effects of unexpected health problems or catastrophic illness. Health insurance, whether provided by your employer or purchased by you, can be expensive. Please review the Health Guides for ways to control and manage costs.

View Health Insurance Guide

Health Insurance Guide

Health insurance is an important coverage that can protect you and your family from the devastating financial effects of unexpected health problems or catastrophic illness. Please review the Health Guide for ways to control and manage costs.

English 1.3MB 2008

Spanish 1.3MB 2008

View HMO Guide

Health Maintenance Organizations Guide

HMOs offer an alternative to health insurance that has become increasingly popular. Learn how they differ from standard health insurance, and how to choose a program that is right for you.

English 1.4MB 2007

View Long Term Care Guide

Long Term Care Guide

Long-term care encompasses a wide range of medical, personal and social services. People may need this care if they suffer from prolonged illness, disability or cognitive impairment.

English1.19MB 2009

View Medicare Supplement Guide

Medicare Supplement Guide

Medicare is an essential health care program for people age 65 and older and people with disabilities. This guide will help you evaluate your health care insurance needs.

English 716KB 2010

View Medicare and You Guide

Medicare and You Guide

Your best and official source of answers to your medicare questions.

English 2.25MB 2010

View Medical Discount Plan

Medical Discount Program

Medical discount cards and plans are being increasingly advertised and promoted. It is essential that you understand their benefits and conditions.

English 359k 2008

Spanish 359k 2008