We just went through this with SimplyInsured. Basically employer determines how much they're willing to cover from a service. The employee has the option to tak

We just went through this with SimplyInsured. Basically employer determines how much they're willing to cover from a service. The employee has the option to take that package or choose another package and pay the difference. In rare case they may choose a cheaper package. They won't get a rebate, but it can help reduce monthly costs for dependents.