Benefit all year long.

Don't wait!  While you're choosing next year's benefits, use the Included Health benefits you have now, and all year long.

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Feel confident in your care.

Get expert second opinions and treatment advice from top doctors
at no cost to you with Included Health.

What a second opinion can help with:

  • Cancer

  • Diabetes

  • Joints and muscles

  • Back and knee pain

  • Fertility conditions

  • Long covid

  • Heart issues

  • Migraines

  • Alternatives to surgery

  • Medication options

  • Weight Management

  • Mole and skin growths

  • Depression and anxiety

  • And more

Top 5 Annual Benefits Enrollment Questions

Copay, Coinsurance, Deductible, Premium… so many syllables! What do these words even mean?

Jargon is the worst. Let’s put this in real English for you:

  • Premium. Your  premium is like rent: it’s the amount you pay for your health insurance every month. 
  • Copay. Your copay is the amount of money ($20, for example) you pay for any doctor visit or healthcare service covered by your insurance. 
  • Deductible. Your deductible is just the amount of money you’ll pay towards doctor visits and other healthcare services yourself, before your insurance plan starts to pay. Plans have different deductibles. You “meet” your deductible when you have spent that amount on healthcare services.
  • Coinsurance. Coinsurance is the percent of costs of doctor visits and other healthcare services you’ll pay after you’ve reached your deductible and your insurance plan has started to pay.

    It’s a lot. Here’s an example. Say you get a $3000 medical bill.
    Your plan has a deductible of $2000 and coinsurance of 20%.
    You’ll pay $2000 (“meeting” your deductible), and have $1000 still left to pay.
    Of that $1000, you’ll pay 20% and insurance will pay 80%.
    Your final total: $2200. 
    $2000 deductible + $200 coinsurance (20% of $1000 =$200).

 

Unfortunately, it’s not just about the lowest monthly costs, or even lowest deductibles. Best guesses are your best bet. Jot down anything you can think of you might need in the upcoming year or any changes you anticipate. Here are some helpful questions:

  • Do you imagine next year will be about the same as last year as far as your healthcare needs?  
  • Do you have any anticipated large medical expenses in the next plan year, such as surgery, pregnancy, or chronic conditions that require many appointments/tests? (If you have conditions you need to manage or high cost medical expenses, a PPO/ HMO may be more cost effective in the long run.)
  • Or are you healthy and engaging mostly with preventive care? (Then you might consider a High Deductible Healthcare Plan, or HDHP.)
  • Are there screenings or vaccinations that are now recommended for you?

Honest answer, it could take a few calls. But it’s worth the time, including any time spent on hold, to get the right answer. Call your doctor’s office or your health insurance company. They can check and confirm first-hand whether or not your doctor will still be in-network. We suggest calling again at the beginning of the year. It’s rare, but sometimes things change and doctors change which healthcare insurance they accept at the last minute. Even easier: clients of Included Health who have our Open Enrollment Support service can use the app to quickly check if their doctors will remain in-network.

Healthcare spending accounts  are a great way to save money on medical expenses. There are three types, explained below. In two of them, you choose a set amount to deduct from your paycheck every month, pre-tax. The third is a fund that your employer puts money into on your behalf. 

In all three, the money in these accounts is not taxed, which means that if you pay for expenses using these accounts, you save around 30%.You can use this money to pay for copays, deductibles, and other medical expenses. You can also use it for vision expenses, sunscreen, bandaids, pain relievers and more. Many online-retailers have special HSA and FSA ‘stores’.

Here are the three types, with some of their pluses and minuses:

  • Health Savings Plan (HSA): A savings account that you own. 

You decide how much to put into the plan every month, and that money goes into the savings account, tax-free. You can deduct these HSA contributions on your taxes. Employers can also contribute to your HSA. Rules for what you can spend it on can be complicated and they are only available if you have a high deductible health plan (HDHP). The money rolls over from year to year and if you leave, you keep the account.

  • Flexible Spending Account (FSA): A savings plan owned by your employer. 

An FSA is like an HSA: you decide how much to put into the account, the money goes in tax free, and your employer can also contribute to the FSA. But you cannot deduct this money from your taxes. On the plus side, the account can be used for many types of health insurance plans, not just a high deductible account that an HSA. If there’s unused money at the end of the year, you can: 1) Get 2.5 more months to spend the left over money, or 2) Carry over up to $615 to spend the following year. 

  • Health Reimbursement Account (HRA): An account funded by your  employer, on your behalf.

With this one, money is not deducted from your paycheck. Your employer chooses which medical expenses the money can be used for and reimburses you with tax-free dollars for those expenses. Unused amounts can be rolled over to use the next year. You lose any money in the account if you leave the company.

Your employer sets the time allowed to make changes. Then it’s pencils down. After the window they have provided ends you’re going to need a Qualifying Life Event (like loss/gain of coverage, marriage, or new baby) to make any changes.

Curious about a second opinion?

Watch our video to learn how easy it is to get an expert second opinion with Included Health. Your care team does the hard work for you, so you can focus on feeling better.

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Playtime1:13

Feel better with the best care.

Leading specialists

Get matched with the right doctor for urgent, everyday, or mental health care.

Top institutions

Johns Hopkins, Stanford, Yale Medicine—find a top specialist no matter how unique your condition.

No cost to you

Included Health is part of your benefits, so it is no cost to you and your covered dependents.

Instant advice

Monday through Friday, from 8 a.m. to 9 p.m. ET, chat with a nurse for treatment advice.

Available anywhere

The right doctor isn’t always right around the corner. Get the best no matter where you live.

Easy and convenient

Your care team finds the right doctor, books the visit, and does the paperwork work for you.

Do it all from the
Included Health app.

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Download the Included Health app.

Frequently asked questions

Common questions about our health benefit

Included Health is a health benefit made available to you through your employer. We are a guide and resource for your medical and health care-related needs. Our services include finding you the top doctors and specialists in your insurance network, booking doctor’s appointments on your behalf, getting you remote second opinions from world-leading experts, answering any questions you may have about your medical conditions, and more.
Use Included Health when:
  • You need a primary care physician or specialist for an in-person visit. We’ll help you find trusted and experienced doctors within your insurance network and can even set the appointment for you.
  • You’d like quick answers to medical questions. We can provide you with over-the-phone guidance and support from a Included Health doctor.
  • You’re unsure about a diagnosis, or you’ve been recommended surgery as a form of treatment. We can arrange for you to get a remote second opinion from a leading expert specializing in your area of need.

Included Health’s services are available to members and qualifying dependents who are enrolled in their employer-sponsored medical plan. Your employer provides this service so that you have access to the best medical care possible.

Included Health is fully covered by your employer and available at no cost to you and your enrolled dependents. Simply enter your information and Included Health will waive all fees. Plan guidelines will apply for any treatments as a result of the Expert Opinion or Office Visit – Included Health will find the doctor, collect all relevant medical records, and (if necessary) schedule the appointment at no cost.
All Included Health services can be easily accessed by calling our Care Team, or accessing your account at includedhealth.com
Included Health physicians span all conditions and specialty areas, including: back and knee pain, cancer, heart disease, arthritis, behavioral health disorders, migraines, digestive system disorders, dermatology, pediatrics, ACL tears, and much more.
Included Health selects physicians based on their education and training, patient outcomes, and location. As a result, we’re able to match you with highly experienced doctors and specialists who are best suited to your personal preferences and medical needs.
Typically, you’ll only pay your regular copay and office visit fees for seeing an in-network doctor. For further details, call the Included Health Care Team.
Most doctors are glad to get the opinions of their peers when assessing complicated medical issues. Their primary goal is to get you feeling better. A good way to frame a conversation with your treating physician regarding a Included Health expert opinion is:
  • “I requested a consultation about [condition] and here’s what I learned…”
  • “Here’s what I was surprised to find out…”
  • “Dr. Smith recommended these options for my care because of these reasons…”
Any personal health information you share with Included Health is held confidentially and will not be shared by us, unless authorized by you, or where legally permissible and/or required under applicable law.
Included Health is not affiliated with your insurance, and operates separately to guide your ongoing care. The goal of Included Health is to provide you with useful information about your health so that you can make informed decisions about your medical care, and have healthier outcomes overall.
The last four digits of your SSN are needed to confirm both your identity when creating an account and your eligibility for the Included Health benefit.

Yes, your plan allows you to access Doctor On Demand which is now part of Included Health. Doctor On Demand offers 24/7 access to doctors, psychiatrists, psychologists, therapists and other medical experts. Select and see your favorite providers again and again, right from your smartphone, tablet or computer. It’s free to sign up and easy to check your coverage when you register.

Virtual primary care frequently asked questions

Virtual Primary Care by Doctor On Demand

If you have already seen a specialist and you need to send your records to Doctor On Demand, you can contact Member Support team for assistance either through the messaging tool within the app or by calling Doctor On Demand’s Support team at 1-800-997-6196. 

The process for each is similar to what you’d expect when going to see a doctor in person. Here’s how it works:

  1. If your Doctor On Demand primary care provider orders imaging for you, they will review their recommendations with you during your visit.
  2. Following your visit, you’ll be contacted by a member of our Care Team who will help you find an affordable and convenient location within your network for you to get the imaging done.
  3. A member of the Care Team will help you schedule any necessary appointments and provide you with documentation to bring with you to the imaging center.
  4. Once the imaging center sends results back to Doctor On Demand, the results will be sent to us to review. Your primary care provider will then contact you with information about what the results mean and if any further action or follow up is necessary.

The process for seeing a specialist or getting a referral is similar to what you’d expect when going to see a doctor in person. Here’s how it works:

  1. If your Doctor On Demand primary care provider recommends that you see a specialist or need to see a doctor in person, they will review those recommendations during your visit.
  2. The provider’s recommended order will be automatically sent to our Care Team who will follow up with you within a few days, depending on the urgency of your situation.
  3. You’ll receive an email confirmation that your provider has made this recommendation for a referral and that you’ll hear from us soon.
  4. A member of the Care Team will contact you with recommendations for nearby, affordable, and high quality providers that are your network. Our care team can help you schedule an appointment or give you the provider’s contact information so you can schedule directly with an in-person clinician.
  5. A member of the Care Team will also provide you with any documentation you’ll need to bring to your appointment.
  6. After you’ve seen the specialist, your primary care provider will review the findings and recommendations, and if needed, will schedule a follow-up appointment for you so that they can review your results and create a treatment plan that’s personalized and appropriate for you.

During your visit, if the provider thinks a lab test would be beneficial for you, they have the ability to order a lab test. You simply visit the lab location closest to you, have the test run, and the results will be sent to you from Doctor On Demand within ten business days.

In the event your primary care provider needs to see you regarding your lab results, a member of the Care Team will reach out to coordinate scheduling the visit. The lab results will also be available for you to review under “Me” in the app.

If your treatment includes a prescription, the provider will review the order and confirm your pharmacy during the visit. The provider will then electronically order the prescription, and it will be ready for you to pick up once your pharmacy prepares your medication. You can select your preferred pharmacy anytime in the app.

During a virtual Annual Check Up, your Primary Care Provider (PCP) will:

  • Review your vitals captured via your Primary Care Kit which includes a blood pressure cuff and thermometer. 
  • Discuss personal and family medical histories
  • Review current lifestyle and health choices
  • Review immunizations
  • Screen for potential illness such as depression or anxiety
  • Discuss personal health goals such as weight loss, smoking cessation, etc
  • Guide you through a virtual physical examination

Our PCPs follow the recommended preventive care services by U.S. Preventive Services Task Force (USPSTF) and provide screenings based on age and gender. From a preventive care visit you will receive a personalized plan focused on their health needs and goals.

If in-person preventive care is needed, your PCPs can order appropriate labs, imaging, and make referrals to in network, in-person care. Examples of services that may require a referral to an in-person provider include vaccines, blood work, mammograms, or colonoscopy. 

To learn more about our preventive care visits, watch this Virtual Primary Care video

We believe that preventive care is a key component of primary care. Our solution was designed to effectively deliver preventive care in a virtual setting. Through video calls, our primary care provider (PCPs) can conduct the majority of the preventive care screenings you may need. 

Preventive care visits will provide our PCPs with a status on your members’ overall health. Our PCPs follow the recommended preventive care services by U.S. Preventive Services Task Force (USPSTF) and provide screenings based on age and gender. From a preventive care visit you will receive a personalized plan focused on their health needs and goals.

In addition to primary care providers, our Care Team is available to assist with any additional questions you may have outside of your visit. They can be contacted through the messaging tool within the app or by calling 1-866-646-6963.

Yes. For urgent needs, you may have a visit with any Doctor On Demand provider. Simply click “See First Available” when you open app. 

However, for preventative care and routine visits we strongly encourage you to see your Doctor On Demand primary care provider. 

Yes. You may change your primary care provider at any time in the app or once you login to your account. Simply go to “My Health” and select your primary care provider from “My Providers.” From your primary care provider’s biography, you will see the option to “Change Primary Doctor.”

Our providers see a broad range of conditions from preventive care and everyday care, to chronic condition management. Examples of common conditions we treat include: 

Chronic disease management:

  • High Cholesterol
  • Asthma
  • Diabetes
  • High Blood Pressure
  • Weight Management

Preventive care: 

  • Healthy eating
  • Lab screenings
  • Vitamin deficiency
  • Immunization plans
  • Heart health
  • Lifestyle counseling

Urgent/acute:

  • Cold & Flu
  • Sinus Infections
  • Bronchitis & Pneumonia
  • Urinary Tract Infections
  • Vomiting & Diarrhea
  • Conjunctivitis
  • Vaginal & Yeast Infections
  • Cellulitis & Skin Conditions
  • Allergies 
  • Fevers 

Doctor On Demand by Included Health is available with access to providers 24 hours a day, 7 days a week, 365 days a year. While our Medical practice does offer appointments, you can also see a provider “On-Demand.” This allows you to be put in line to see the next available provider, which typically occurs in 10 minutes or less. 

For therapy and psychiatry, we do require an appointment. Appointments can be scheduled by using the self-schedule feature within the Doctor On Demand by Included Health mobile app or at doctorondemand.com. On average, appointments with a therapist or psychiatrist can be booked within 7 business days. In some cases, same-day therapy and psychiatry appointments may be available.
If you need more immediate mental health care, you can take an on demand Medical visit. All of our Medical practice providers are extensively cross-trained to recognize, score, and treat mild to moderate behavioral health issues, particularly depression and anxiety. 

If you have any questions, the Member Support Team is also available via email or phone at support@doctorondemand.com or 1-855-997-0690.

Doctor On Demand by Included Health is the fastest, easiest way to see a doctor, nurse practitioner, therapist or psychiatrist online on your computer, tablet, or smart phone. Our approach to care is all about breaking down the walls of an office and supporting your health wherever you are. Doctor On Demand by Included Health’s US-based, board-certified doctors, nurse practitioners, therapists, and psychiatrists are available on your schedule.

Covered Visits for Associates

Virtual Primary Care + EMO

You have access to Doctor On Demand’s Virtual Primary Care inclusive of a dedicated primary care physician, integrated behavioral health, 24/7 urgent care, and Care Team support with awesome benefits like dietitians and more all available right from your smartphone, tablet, or computer.

Through Included Health, you have access to Expert Medical Opinions (EMO).  For more information, visit Doctor On Demand.

Type of care
Your cost
Medical

$30Visits are $30 for employees on the LII medical plan.

Therapy

$30Visits are $30 for employees on the LII medical plan.

Psychiatry

$30Visits are $30 for employees on the LII medical plan.

Virtual primary care services are available to nonunion employees excluding those on the Marshalltown Medical plan.

**This EMO incentive is valid 7/1/2023 - 12/31/2023 for all non-union, eligible employees and their covered dependents. One gift card per member, while supplies last. Gift cards to be automatically emailed to each qualifying member via the email address used to register for Included Health within 60 days of completing the EMO.