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            "text": "Welcome",
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            "text": "This Benefits Selection Guide (BSG) is available to review when making benefit\nselections for you and your family. It is published annually, to help you make\nbenefit choices during Open Enrollment. You can also use this guide to select\nbenefits as a new employee or if you experience a qualifying event during the year.\nIt is very important that you thoroughly read this guide, so you are aware of the\nmany benefits that are available to you."
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            "text": "Pay close attention to the important information you will need to review while making your benefit elections:"
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            "text": "• Health, dental, vision, and life insurance plan options"
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            "text": "Premiums"
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            "text": "Benefit grids"
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            "text": "• Flexible Spending Accounts (FSA)"
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            "text": "Waiving health insurance"
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            "text": "It's your choice to select the benefits that are best for you. Neither the Kentucky Employees' Health Plan (KEHP) nor your employer can make this decision for you. If you have questions, refer to the Contact Information on page 33 to find who can best answer your question.",
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                    "text": "page 33",
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