Financial gameplan checklist

Read materials from John Hancock on how to take steps towards your financial goals today.


When two heads are better than one

Get a second opinion and avoid unnecessary medical procedures.

In 2020, about one unnecessary medical procedure was performed every four minutes, according to a Lown Institute study that looked at hospital procedures covered by Medicare that year. These procedures included coronary stents for stable heart disease, spinal fusion for
low-back pain, and hysterectomy for benign disease. Not only may these procedures offer little to no benefit, but they may also often do more harm than good.

The takeaway? Get a second opinion.

A second opinion means that you choose to see another doctor after you’ve received an initial diagnosis or treatment plan for a medical condition. The second doctor reviews your medical history and gives you their view on your diagnosis or treatment plan. A second opinion can help you learn about other treatment options, understand the risks of each, and feel more confident about your health care decisions.

Your Benefits Cover a Second Opinion

Teladoc gives you access to expert medical opinions from leading specialists at no cost to you. When you’re unsure about a diagnosis, surgery, or treatment options, Teladoc connects you with a team of doctors who collaboratively review your health records and develop a clear diagnosis and treatment plan that’s right for you. To get started, call (800) TELADOC (835-2362), go to, or download the Teladoc app.

Transcarent Surgery Care (formerly BridgeHealth) gives non-Medicare eligible participants access to major surgery performed at one of the nation’s top-ranked hospitals (all at no cost to you). Your care begins with a review by a top national expert to confirm that you have the right diagnosis and treatment plan. To learn more, call Transcarent at (855) 423-1299, email surgerycare@transcarent. com, or register for an account on

Any qualified doctor or specialist may provide a second opinion. Your Health Plan covers a second opinion for non-emergency procedures; a third opinion is also covered, if the first two opinions do not agree.

Three Coalition Health Centers serving you

Access convenient, low-cost care close where you live.

Participants in Houston, Palmer, Wasilla, and towns throughout the Mat-Su Valley now have easy access to health care at the new Coalition Health Center (CHC) in Wasilla. Participants in Anchorage and Fairbanks may also get care at a CHC in and around those cities.

Besides the convenience, enjoy the low cost—you only pay a $20 copay with no deductible—for services available at the CHCs:

  • Primary Care: Care for illness or any health concern (sore throat, earache, headache, cough, sinus problems, pain, rash, allergies, etc.)
  • Urgent Care: Treatment for unexpected illness or injury (cuts, sprains, minor burns)
  • Preventive Care: Wellness exams, physicals for children over 2 years old, immunizations and more
  • Chronic Illness Care: Disease screening, treatment, and management
  • Minor Surgical Procedures: Such as simple biopsies, IUD placement/removal, and wart removal
  • Lab Tests Performed On-site: Common screening and disease tests
  • Radiology Services: X-ray and ultrasound imaging for diagnosis and treatment
  • Prescription Medication Dispensary: Generic prescriptions may be available at no cost to you

What Makes The CHCs Convenient

  • Three Locations:
    • Anchorage: (907) 264-1370 701 East Tudor Road, Suite 120
    • Fairbanks: (907) 450-3300 570 Riverstone Way #3 (Ridgeview Business Park)
    • Wasilla: (907) 206-4601 1700 East Bogard Road #A-103 (N. Fork Prof Bldg.)
  • Walk-In Care: No appointment needed for urgent care from 8:30 a.m. to 4:30 p.m. Monday–Friday
  • Same-Day Appointments: Usually available for primary care
  • Easy Scheduling: Call the CHC to make appointments for primary or preventive care
  • Regular Hours: Anchorage and Fairbanks: Monday–Friday
  • 7:30 a.m.–6:30 p.m.; Wasilla: Monday–Friday 8 a.m.–5 p.m. Go to to learn more.