Money Fix: Job benefit may help trim health costs

With open enrollment time upon us, many workers are reeling from yet another year of increased health care costs. But you may be able to make up some of the financial hit by paying more attention to a benefit you likely already have - your employee assistance program. That's the employer-paid service known for providing counseling on grief and substance abuse issues. But "it's so much more," says Aoifa O'Donnell, chief executive of National EAP, based in Ronkonkoma. She suggests workers check with human resources or call their employee assistance providers to find out about services that could keep a little more money in their pockets.

Legal: Depending on the level of services for which your employer opts, you may get a free 30-minute consultation with an attorney on any number of issues, with a 25 percent discount if you need further sessions.

Financial: You could be entitled to free one-hour sessions with a financial consultant. Some employee assistance providers also offer help in the event of identity theft, referring you to recovery experts who will guide you, or, for a reduced fee, actually fill in forms and negotiate on your behalf. National EAP offers a discount shopping program with a range of savings at retailers such as Target, Sephora and Saks.com.

Behavioral health and wellness: Employee assistance providers are also known to provide some therapy sessions gratis - by phone, online or face-to-face - before you have to turn to co-pays with your health insurance provider. You also can get online health assessments, information on making lifestyle changes, and referrals to services related to child, elder, or even pet care.