Why is it important to review your benefits each year? JHU is committed to offering you choice, both in the type of coverage you have and in where you go when you need care, so it's important to look at all the options to make sure you have what will be best for you and your family.
Choosing the right plan can help save you money. Just as Consumer Reports offers insights to help you shop around for big-ticket items, JHU provides resources to help you determine which plan is right for you, what doctors and hospitals are in your plan's network, and how to compare cost and quality. Making an informed decision about your health coverage can benefit you both medically and financially.
Before you enroll in your 2021 benefits, use ALEX, the university's interactive decision support tool. ALEX acts as a virtual benefits counselor to help you learn more about your JHU benefits options. ALEX will ask you a few questions about your health care needs (your answers remain anonymous, of course), crunch some numbers, and recommend a medical and/or dental plan that's best for your personal needs.
How to prepare
Using ALEX is simple. You won't have to dig through your insurance records, but if you'd like to prepare for the questions about your medical and dental needs, it helps to have an idea of:
- How many dependents you plan to cover
- Estimated number of visits to doctors
- Estimated number of prescriptions
- Estimated amount of dental care
How does ALEX work?
By asking you a number of questions, ALEX estimates the total yearly out-of-pocket costs (a combination of your premium contributions and the costs for the services you plan to use) for each available plan and recommends the one with the lowest overall cost to you, based on your personal preferences. ALEX is easy to use—click here to get started.