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Employee Benefit Plan Structure

Meaning

Employee Benefit Plan Structure refers to the specific organizational framework and contractual provisions of a health insurance or wellness plan offered by an employer to its workforce. This structure dictates the covered services, prescription formularies, deductible levels, and out-of-pocket maximums, which profoundly influence an employee’s access to specialized hormonal health and longevity treatments. Understanding this architecture is crucial for navigating coverage limitations and optimizing care pathways.