The doctor you choose to be your primary source for medical care. Your PCP provides your basic care and coordinates any other medical care you may need, including from specialists and hospitals. Not all health plans require you to have a PCP, but it is recommended for everyone.
With a plan year calculation, your employees’ benefits reset on your plan’s renewal date, so that’s the only date you and your employees need to remember. This affects deductibles, out-of-pocket maximums, and benefits that have a limited number of visits per year. So, for example, if your plan has a $500 deductible, any expenses an employee incurs up to that amount that were applied to the deductible are reset to $0 on your plan renewal date.
With a calendar year calculation, your employees’ benefits reset January 1st. This affects deductibles, out-of-pocket maximums, and benefits that have a limited number of visits per year.
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