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BEING A SMART HEALTHCARE CONSUMER CAN SAVE YOU MONEY
Questions to Ask Before Any Test or Procedure
Your healthcare decisions can significantly impact both your well-being and your wallet. Before agreeing to a medical test, treatment, or procedure, take a moment to ask the right questions. Understanding why a test is needed, what your options are, and what it may cost can help you make informed decisions, avoid unnecessary expenses, and get the care that's right for you. Being an informed healthcare consumer is one of the best ways to protect both your health and your finances.
Healthcare costs are on the rise, and every decision you make about your care matters. Taking an active role in your health not only helps you stay well, but it can also save you money. Before agreeing to any test, treatment, or procedure, make sure you understand your options. Asking the right questions can help you avoid unnecessary costs and ensure you get the care that’s best for you.
Consider these questions:
— Do I really need this test or procedure?
Will it change how my condition is treated?
— What are the risks?
Could there be side effects or inaccurate results that lead to more testing? Could that lead to another procedure?
— Are there simpler, safer options?
Could lifestyle changes work instead?
— What happens if I wait?
Will my condition get worse, or better, without immediate action?
— How much will it cost?
Are there lower-cost alternatives, generic medications, or other options covered by insurance?
Use these questions to guide conversations with your doctor and make choices that are right for your health and your wallet?
Have Questions About Your Benefits?
Contact the Benefit Resource Center (BRC):
855-874-0110 (Mon –Fri, 8 AM –5 PM)
BRCSouthwest@usi.com (Available 24/7; responds within one business day)
Treatment Disclaimer: This material is for general informational purposes and is not intended to be exhaustive nor for use in the treatment of medical conditions. Consult your doctor for the diagnosis and treatment of medical conditions. USI does not accept any responsibility for the content of the information provided or for consequences of any actions taken on the basis of the information provided. ©2025 USI Insurance Services. All rights reserved
Want to learn More?
Click the videos to watch
MEDICAL BENEFITS
MEDICAL BENEFITS
Qualified employees can log in to select and view their benefits using the Employee Navigator Website - Select Register as a new user.
These documents provide an overview of our current benefit plans for qualified employees:
2026-2027 Employee Benefits Guide (Crew)
2026-2027 Employee Benefits Guide (Managers and Above)
Have Benefits Questions?
BRCSouthwest@usi.com | Toll Free: 855-874-0110
Benefits Specialists available Monday through Friday, 8:00am to 5:00pm CST
Or
See the above Benefits guide for a full list of Important Contacts
EMPLOYEE ASSISTANCE PROGRAM
EMPLOYEE ASSISTANCE PROGRAM
Life doesn’t always go as planned. And while you can’t always avoid the twists and turns, you can get help to keep moving forward. We can help you and your family, those living at home, get professional support and guidance to make life a little easier. Our Employee Assistance Program (EAP) is available to you in addition to the benefits provided with your MetLife insurance coverage. This program provides you with easy-to-use services to help with the everyday challenges of life — at no additional cost to you.
PREVENTATIVE CARE
PREVENTATIVE CARE
Your dental and eye health can reveal signs of other health issues. That’s why preventive exams are so important. If it’s been more than a year since your last visit and you’re enrolled in a dental or vision plan, schedule an appointment today!
What’s Included?
Preventative Dental Care
Exams: Check teeth and gums for early signs of problems.
Cleanings: Remove plaque and tartar to prevent cavities and gum disease.
Oral Cancer Screenings: Most dentists include this during exams.
Hygiene Tips: Learn proper brushing and flossing techniques.
Preventive dental services are covered at 100% with in-network dentists.
Preventative Vision Care
Eye Exams: Maintain healthy vision and detect issues early
Coverage: One comprehensive eye exam and routine retinal screening per year through Mutual of Omaha providers.
Diabetes Care: Retinal imaging for members with diabetes is covered in full.
Take advantage of these benefits—your smile and vision matter!
Want to Learn More?
Visit mutualofomaha.com
Have Questions About Your Benefits?
Contact the Benefit Resource Center (BRC):
855-874-0110 (Mon–Fri, 8 AM–5 PM)
BRCSouthwest@usi.com (Available 24/7; responds within one business day)
Treatment Disclaimer: This material is for general informational purposes and is not intended to be exhaustive nor for use in the treatment of medical conditions. Consult your doctor for the diagnosis and treatment of medical conditions. USI does not accept any responsibility for the content of the information provided or for consequences of any actions taken on the basis of the information provided. ©2025 USI Insurance Services. All rights reserved
PRIMARY CARE PROVIDERS
PRIMARY CARE PROVIDERS
Need help finding an in-network PCP?
Visit your medical carrier’s website: bcbstx.com
Want to Learn More?
Click here to watch a video about making the most of your PCP relationship
Click here to learn more about the importance of having a PCP
Click here to learn how to make the most of your doctor visit
Have Questions About Your Benefits?
Contact the Benefit Resource Center (BRC):
855-874-0110 (Mon –Fri, 8 AM –5 PM CST)
A key step in maximizing your health benefits is selecting a Primary Care Provider (PCP). Your PCP is your main contact for routine checkups, screenings, and managing your overall health journey. We encourage you to schedule your annual preventive screenings - which your plan covers 100%. Taking these simple, proactive steps will help you stay healthy, access care easily, and fully utilize your available resources.
Take the time to choose a PCP today! It’s a simple step toward better health for you and your family.
Your health matters and having a Primary Care Provider (PCP) is an important step in managing it.
A PCP is your go-to provider for day-to-day health needs. They can help with preventive care, routine checkups, and coordinate any specialty care you may need. Each family member can have a different PCP based on their needs.
Your PCP might be a:
Family Practitioner
Internist
General Medicine Physician
Pediatrician
OB/GYN
Why choose an in-network PCP?
Even if your plan doesn’t require it, selecting an in-network PCP helps you save money and ensures your care is covered.
WINGSTOP FOUNDATION
WINGSTOP FOUNDATION
WHATABURGER FAMILY FOUNDATION
WHATABURGER FAMILY FOUNDATION
The purpose of the Whataburger Family Foundation is to provide emergency assistance to Whataburger Franchise Employees who are experiencing an immediate and unforeseen financial hardship.
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