diff --git a/.github/workflows/test-automation.yml b/.github/workflows/test-automation.yml new file mode 100644 index 000000000..bc2d65707 --- /dev/null +++ b/.github/workflows/test-automation.yml @@ -0,0 +1,106 @@ +name: Test Automation CWYD +on: + push: + branches: + - main + - dev + paths: + - 'tests/e2e-test/**' + schedule: + - cron: '0 13 * * 3' # Runs at 1 PM UTC once a week on Wednesday + workflow_dispatch: + +env: + web_url: ${{ vars.CWYD_WEB_URL }} + admin_url: ${{ vars.CWYD_ADMIN_URL }} + accelerator_name: "Chat with your Data" + +jobs: + test: + runs-on: ubuntu-latest + steps: + - name: Checkout repository + uses: actions/checkout@v4 + + - name: Set up Python + uses: actions/setup-python@v4 + with: + python-version: '3.13' + + - name: Install dependencies + run: | + python -m pip install --upgrade pip + pip install -r tests/e2e-test/requirements.txt + + - name: Ensure browsers are installed + run: python -m playwright install --with-deps chromium + + - name: Run tests(1) + id: test1 + run: | + xvfb-run pytest --headed --html=report/report.html --self-contained-html + working-directory: tests/e2e-test + continue-on-error: true + + - name: Sleep for 30 seconds + if: ${{ steps.test1.outcome == 'failure' }} + run: sleep 30s + shell: bash + + - name: Run tests(2) + id: test2 + if: ${{ steps.test1.outcome == 'failure' }} + run: | + xvfb-run pytest --headed --html=report/report.html --self-contained-html + working-directory: tests/e2e-test + continue-on-error: true + + - name: Sleep for 60 seconds + if: ${{ steps.test2.outcome == 'failure' }} + run: sleep 60s + shell: bash + + - name: Run tests(3) + id: test3 + if: ${{ steps.test2.outcome == 'failure' }} + run: | + xvfb-run pytest --headed --html=report/report.html --self-contained-html + working-directory: tests/e2e-test + + - name: Upload test report + id: upload_report + uses: actions/upload-artifact@v4 + if: ${{ !cancelled() }} + with: + name: cwyd-test-report + path: tests/e2e-test/report/* + + - name: Send Notification + if: always() + run: | + RUN_URL="https://github.com/${{ github.repository }}/actions/runs/${{ github.run_id }}" + REPORT_URL=${{ steps.upload_report.outputs.artifact-url }} + IS_SUCCESS=${{ steps.test1.outcome == 'success' || steps.test2.outcome == 'success' || steps.test3.outcome == 'success' }} + # Construct the email body + if [ "$IS_SUCCESS" = "true" ]; then + EMAIL_BODY=$(cat <Dear Team,

We would like to inform you that the ${{ env.accelerator_name }} Test Automation process has completed successfully.

Run URL: ${RUN_URL}

Test Report: ${REPORT_URL}

Best regards,
Your Automation Team

", + "subject": "${{ env.accelerator_name }} Test Automation - Success" + } + EOF + ) + else + EMAIL_BODY=$(cat <Dear Team,

We would like to inform you that the ${{ env.accelerator_name }} Test Automation process has encountered an issue and has failed to complete successfully.

Run URL: ${RUN_URL}
${OUTPUT}

Test Report: ${REPORT_URL}

Please investigate the matter at your earliest convenience.

Best regards,
Your Automation Team

", + "subject": "${{ env.accelerator_name }} Test Automation - Failure" + } + EOF + ) + fi + + # Send the notification + curl -X POST "${{ secrets.EMAILNOTIFICATION_LOGICAPP_URL_TA }}" \ + -H "Content-Type: application/json" \ + -d "$EMAIL_BODY" || echo "Failed to send notification" diff --git a/.github/workflows/tests.yml b/.github/workflows/tests.yml index 00d64de84..5bafee5ac 100644 --- a/.github/workflows/tests.yml +++ b/.github/workflows/tests.yml @@ -78,7 +78,7 @@ jobs: echo "MIN_COVERAGE=$MIN_COVERAGE" >> "$GITHUB_OUTPUT" - name: Run Python Tests - run: make python-test optional_args="--junitxml=coverage-junit.xml --cov=. --cov-report xml:coverage.xml --cov-fail-under ${{ steps.coverage-value.outputs.MIN_COVERAGE }}" + run: make python-test optional_args="--junitxml=coverage-junit.xml --cov=. --cov-report xml:coverage.xml --cov-fail-under ${{ steps.coverage-value.outputs.MIN_COVERAGE }} ./code/tests" - uses: actions/upload-artifact@v4 if: ${{ !cancelled() }} with: diff --git a/.gitignore b/.gitignore index e15f96724..1e28b7924 100644 --- a/.gitignore +++ b/.gitignore @@ -418,6 +418,8 @@ temp/ # so that Azure App Service can install the dependencies requirements.txt !infra/prompt-flow/cwyd/requirements.txt +!tests/e2e-test/requirements.txt +!tests/llm-evaluator/requirements.txt # Cypress UI tests screenshots folder tests/integration/ui/cypress/screenshots/ diff --git a/tests/e2e-test/.gitignore b/tests/e2e-test/.gitignore new file mode 100644 index 000000000..969d1ef55 --- /dev/null +++ b/tests/e2e-test/.gitignore @@ -0,0 +1,168 @@ +# Byte-compiled / optimized / DLL files +__pycache__/ +*.py[cod] +*$py.class + +# C extensions +*.so + +# Distribution / packaging +.Python +build/ +develop-eggs/ +dist/ +downloads/ +eggs/ +.eggs/ +lib/ +lib64/ +parts/ +sdist/ +var/ +wheels/ +share/python-wheels/ +*.egg-info/ +.installed.cfg +*.egg +MANIFEST + +# PyInstaller +# Usually these files are written by a python script from a template +# before PyInstaller builds the exe, so as to inject date/other infos into it. +*.manifest +*.spec + +# Installer logs +pip-log.txt +pip-delete-this-directory.txt + +# Unit test / coverage reports +htmlcov/ +.tox/ +.nox/ +.coverage +.coverage.* +.cache +nosetests.xml +coverage.xml +*.cover +*.py,cover +.hypothesis/ +.pytest_cache/ +cover/ +report.html + +# Translations +*.mo +*.pot + +# Django stuff: +*.log +local_settings.py +db.sqlite3 +db.sqlite3-journal + +# Flask stuff: +instance/ +.webassets-cache + +# Scrapy stuff: +.scrapy + +# Sphinx documentation +docs/_build/ + +# PyBuilder +.pybuilder/ +target/ + +# Jupyter Notebook +.ipynb_checkpoints + +# IPython +profile_default/ +ipython_config.py + +# pyenv +# For a library or package, you might want to ignore these files since the code is +# intended to run in multiple environments; otherwise, check them in: +# .python-version + +# pipenv +# According to pypa/pipenv#598, it is recommended to include Pipfile.lock in version control. +# However, in case of collaboration, if having platform-specific dependencies or dependencies +# having no cross-platform support, pipenv may install dependencies that don't work, or not +# install all needed dependencies. +#Pipfile.lock + +# poetry +# Similar to Pipfile.lock, it is generally recommended to include poetry.lock in version control. +# This is especially recommended for binary packages to ensure reproducibility, and is more +# commonly ignored for libraries. +# https://python-poetry.org/docs/basic-usage/#commit-your-poetrylock-file-to-version-control +#poetry.lock + +# pdm +# Similar to Pipfile.lock, it is generally recommended to include pdm.lock in version control. +#pdm.lock +# pdm stores project-wide configurations in .pdm.toml, but it is recommended to not include it +# in version control. +# https://pdm.fming.dev/latest/usage/project/#working-with-version-control +.pdm.toml +.pdm-python +.pdm-build/ + +# PEP 582; used by e.g. github.com/David-OConnor/pyflow and github.com/pdm-project/pdm +__pypackages__/ + +# Celery stuff +celerybeat-schedule +celerybeat.pid + +# SageMath parsed files +*.sage.py + +# Environments +.env +.venv +env/ +venv/ +ENV/ +env.bak/ +venv.bak/ +microsoft/ + +# Spyder project settings +.spyderproject +.spyproject + +# Rope project settings +.ropeproject + +# mkdocs documentation +/site + +# mypy +.mypy_cache/ +.dmypy.json +dmypy.json + +# Pyre type checker +.pyre/ + +# pytype static type analyzer +.pytype/ + +# Cython debug symbols +cython_debug/ + +# PyCharm +# JetBrains specific template is maintained in a separate JetBrains.gitignore that can +# be found at https://github.com/github/gitignore/blob/main/Global/JetBrains.gitignore +# and can be added to the global gitignore or merged into this file. For a more nuclear +# option (not recommended) you can uncomment the following to ignore the entire idea folder. +.idea/ +archive/ +report/ +screenshots/ +videos/ \ No newline at end of file diff --git a/tests/e2e-test/README.md b/tests/e2e-test/README.md new file mode 100644 index 000000000..ca030cf0a --- /dev/null +++ b/tests/e2e-test/README.md @@ -0,0 +1,41 @@ +# Test Automation for Chat with your Data Accelerator + + + +Write end-to-end tests for your web apps with [Playwright](https://github.com/microsoft/playwright-python) and [pytest](https://docs.pytest.org/en/stable/). + +- Support for **all modern browsers** including Chromium, WebKit and Firefox. +- Support for **headless and headed** execution. +- **Built-in fixtures** that provide browser primitives to test functions. + +Pre-Requisites: +- Install Visual Studio Code: Download and Install Visual Studio Code(VSCode). +- Install NodeJS: Download and Install Node JS + +Create and Activate Python Virtual Environment +- From your directory open and run cmd : "python -m venv microsoft" +This will create a virtual environment directory named microsoft inside your current directory +- To enable virtual environment, copy location for "microsoft\Scripts\activate.bat" and run from cmd + + +Installing Playwright Pytest from Virtual Environment +- To install libraries run "pip install -r requirements.txt" +- Install the required browsers "playwright install" + +Run test cases +- To run test cases from your 'tests' folder : "pytest --headed --html=report/report.html" + +Steps need to be followed to enable Access Token and Client Credentials +- Go to App Service from the resource group and select the Access Tokens check box in 'Manage->Authentication' tab +![img.png](img.png) +- Go to Manage->Certificates & secrets tab to generate Client Secret value +![img_1.png](img_1.png) +- Go to Overview tab to get the client id and tenant id. + +Create .env file in project root level with web app url and client credentials +- create a .env file in project root level and add your user_name, pass_word, client_id,client_secret, + tenant_id, web_url and admin_url for the resource group. please refer 'sample_dotenv_file.txt' file. + +## Documentation + +See on [playwright.dev](https://playwright.dev/python/docs/test-runners) for examples and more detailed information. \ No newline at end of file diff --git a/tests/e2e-test/base/__init__.py b/tests/e2e-test/base/__init__.py new file mode 100644 index 000000000..e69de29bb diff --git a/tests/e2e-test/base/base.py b/tests/e2e-test/base/base.py new file mode 100644 index 000000000..e19055e75 --- /dev/null +++ b/tests/e2e-test/base/base.py @@ -0,0 +1,52 @@ +import json +import os +import uuid + +from dotenv import load_dotenv + + +class BasePage: + + def __init__(self, page): + self.page = page + + def scroll_into_view(self, locator): + reference_list = locator + locator.nth(reference_list.count() - 1).scroll_into_view_if_needed() + + def select_an_element(self, locator, text): + elements = locator.all() + for element in elements: + clientele = element.text_content() + if clientele == text: + element.click() + break + + def is_visible(self, locator): + locator.is_visible() + + def validate_response_status(self, questions): + load_dotenv() + WEB_URL = os.getenv("web_url") + + url = f"{WEB_URL}/api/conversation" + + user_message_id = str(uuid.uuid4()) + assistant_message_id = str(uuid.uuid4()) + conversation_id = str(uuid.uuid4()) + + payload = { + "messages": [{"role": "user", "content": questions, "id": user_message_id}], + "conversation_id": conversation_id, + } + # Serialize the payload to JSON + payload_json = json.dumps(payload) + headers = {"Content-Type": "application/json", "Accept": "*/*"} + response = self.page.request.post(url, headers=headers, data=payload_json) + # Check the response status code + assert response.status == 200, ( + "response code is " + str(response.status) + " " + str(response.json()) + ) + + def wait_for_load(self, wait_time): + self.page.wait_for_timeout(wait_time) diff --git a/tests/e2e-test/config/constants.py b/tests/e2e-test/config/constants.py new file mode 100644 index 000000000..85300e0d9 --- /dev/null +++ b/tests/e2e-test/config/constants.py @@ -0,0 +1,42 @@ +import json +import os + +from dotenv import load_dotenv + +load_dotenv() +WEB_URL = os.getenv("web_url") +if WEB_URL.endswith("/"): + WEB_URL = WEB_URL[:-1] + +ADMIN_URL = os.getenv("admin_url") +if ADMIN_URL.endswith("/"): + ADMIN_URL = ADMIN_URL[:-1] + +# Get the absolute path to the repository root +repo_root = os.getenv("GITHUB_WORKSPACE", os.getcwd()) + +# Construct the absolute path to the JSON file +# note: may have to remove 'tests/e2e-test' from below when running locally +json_file_path = os.path.join( + repo_root, "tests/e2e-test", "testdata", "golden_path_data.json" +) + +# Load questions from JSON file +with open(json_file_path, "r") as file: + data = json.load(file) + questions = data["questions"] + + +# Admin Page input data +admin_page_title = "Chat with your data Solution Accelerator" +upload_file_success_message = "Embeddings computation in progress." +upload_page_url = "https://plasticsmartcities.org/public-awareness/" +upload_url_success_message = "Embeddings added successfully for" +unsupported_file_message = "application/json files are not allowed." +no_files_to_delete_message = "No files to delete" + +# Web User Page input data +user_page_title = "Azure AI" + + +invalid_response = "The requested information is not available in the retrieved data. Please try another query or topic.AI-generated content may be incorrect" diff --git a/tests/e2e-test/pages/__init__.py b/tests/e2e-test/pages/__init__.py new file mode 100644 index 000000000..e69de29bb diff --git a/tests/e2e-test/pages/adminPage.py b/tests/e2e-test/pages/adminPage.py new file mode 100644 index 000000000..e345c5633 --- /dev/null +++ b/tests/e2e-test/pages/adminPage.py @@ -0,0 +1,30 @@ +from base.base import BasePage + + +class AdminPage(BasePage): + ADMIN_PAGE_TITLE = "//h1[text()='Chat with your data Solution Accelerator']" + INGEST_DATA_TAB = "//span[text()='Ingest Data']" + EXPLORE_DATA_TAB = "//span[text()='Explore Data']" + DELETE_DATA_TAB = "//span[text()='Delete Data']" + CONFIGURATION_TAB = "//span[text()='Configuration']" + BROWSE_FILES_BUTTON = "//button[normalize-space()='Browse files']" + UPLOAD_SUCCESS_MESSAGE = "//div[@data-testid='stAlertContentSuccess']//p" + REPROCESS_ALL_DOCUMENTS_BUTTON = "//p[contains(text(),'Reprocess all documents')]" + ADD_URLS_TEXT_AREA = "//textarea[contains(@aria-label,'Add URLs ')]" + PROCESS_INGEST_WEB_PAGES_BUTTON = "//p[text()='Process and ingest web pages']" + SELECT_YOUR_FILE_DROP_DOWN = "//div[@data-baseweb='select']" + DROP_DOWN_OPTION = "//div[@data-testid='stTooltipHoverTarget']/div/div" + DELETE_CHECK_BOXES = "//label[@data-baseweb='checkbox']/span" + DELETE_BUTTON = "//p[text()='Delete']" + UNSUPPORTED_FILE_ERROR_MESSAGE = ( + "//span[@data-testid='stFileUploaderFileErrorMessage']" + ) + REMOVE_ICON = "//button[@data-testid='stBaseButton-minimal']" + NO_FILES_TO_DELETE_MESSAGE = "//div[@data-testid='stAlertContentInfo']//p" + + def __init__(self, page): + self.page = page + + def click_delete_data_tab(self): + self.page.locator(self.DELETE_DATA_TAB).click() + self.page.wait_for_timeout(5000) diff --git a/tests/e2e-test/pages/loginPage.py b/tests/e2e-test/pages/loginPage.py new file mode 100644 index 000000000..a37258831 --- /dev/null +++ b/tests/e2e-test/pages/loginPage.py @@ -0,0 +1,42 @@ +from base.base import BasePage +from playwright.sync_api import TimeoutError as PlaywightTimeoutError + + +class LoginPage(BasePage): + + EMAIL_TEXT_BOX = "//input[@type='email']" + NEXT_BUTTON = "//input[@type='submit']" + PASSWORD_TEXT_BOX = "//input[@type='password']" + SIGNIN_BUTTON = "//input[@id='idSIButton9']" + YES_BUTTON = "//input[@id='idSIButton9']" + PERMISSION_ACCEPT_BUTTON = "//input[@type='submit']" + + def __init__(self, page): + self.page = page + + def authenticate(self, username, password): + # login with username and password in web url + self.page.locator(self.EMAIL_TEXT_BOX).fill(username) + self.page.locator(self.NEXT_BUTTON).click() + + # Wait for the password input field to be available and fill it + self.page.wait_for_load_state("networkidle") + # Enter password + self.page.locator(self.PASSWORD_TEXT_BOX).fill(password) + # Click on SignIn button + self.page.locator(self.SIGNIN_BUTTON).click() + try: + self.page.locator(self.YES_BUTTON).wait_for(state="visible", timeout=30000) + # Click on YES button + self.page.locator(self.YES_BUTTON).click() + except PlaywightTimeoutError: + pass + try: + self.page.locator(self.PERMISSION_ACCEPT_BUTTON).wait_for( + state="visible", timeout=10000 + ) + # Click on Permissions ACCEPT button + self.page.locator(self.PERMISSION_ACCEPT_BUTTON).click() + self.page.wait_for_load_state("networkidle") + except PlaywightTimeoutError: + pass diff --git a/tests/e2e-test/pages/webUserPage.py b/tests/e2e-test/pages/webUserPage.py new file mode 100644 index 000000000..2bea5be84 --- /dev/null +++ b/tests/e2e-test/pages/webUserPage.py @@ -0,0 +1,78 @@ +from base.base import BasePage +from playwright.sync_api import expect + + +class WebUserPage(BasePage): + WEB_PAGE_TITLE = "//h3[text()='Azure AI']" + TYPE_QUESTION_TEXT_AREA = "//textarea[contains(@placeholder,'Type a new question')]" + SEND_BUTTON = "div[role='button'][aria-label='Ask question button']" + CLEAR_CHAT_ICON = "svg[aria-label='Clear session']" + USER_CHAT_MESSAGE = "(//div[contains(@class,'chatMessageUserMessage')])[1]" + STOP_GENERATING_LABEL = "//span[text()='Stop generating']" + ANSWER_TEXT = "._answerContainer_onnz5_1" + REFERENCE_LINK_IN_RESPONSE = "(//span[@class='_citationContainer_onnz5_62'])[1]" + REFERENCE_LINKS_IN_RESPONSE = "//span[@class='_citationContainer_onnz5_62']" + RESPONSE_REFERENCE_EXPAND_ICON = "//div[@aria-label='References']" + CLOSE_CITATIONS = "svg[role='button']" + SHOW_CHAT_HISTORY = "//span//i" + CHAT_HISTORY_NAME = "div[aria-label='chat history list']" + CHAT_CLOSE_ICON = "button[title='Hide']" + CHAT_HISTORY_OPTIONS = "//button[@id='moreButton']" + CHAT_HISTORY_DELETE = "//button[@role='menuitem']" + + def __init__(self, page): + self.page = page + self.soft_assert_errors = [] + + def enter_a_question(self, text): + # Type a question in the text area + self.page.locator(self.TYPE_QUESTION_TEXT_AREA).fill(text) + self.page.wait_for_timeout(2000) + + def click_send_button(self): + # Click on send button in question area + self.page.locator(self.SEND_BUTTON).click() + self.page.locator(self.STOP_GENERATING_LABEL).wait_for(state="hidden") + + def soft_assert(self, condition, message): + if not condition: + self.soft_assert_errors.append(message) + + def assert_all(self): + if self.soft_assert_errors: + raise AssertionError( + "Soft assertion failures:\n" + "\n".join(self.soft_assert_errors) + ) + + def click_clear_chat_icon(self): + # Click on clear chat icon in question area + if self.page.locator(self.USER_CHAT_MESSAGE).is_visible(): + self.page.locator(self.CLEAR_CHAT_ICON).click() + + def show_chat_history(self): + self.page.locator(self.SHOW_CHAT_HISTORY).click() + self.page.wait_for_load_state("networkidle") + self.page.wait_for_timeout(2000) + expect(self.page.locator(self.CHAT_HISTORY_NAME)).to_be_visible() + + def close_chat_history(self): + self.page.locator(self.CHAT_CLOSE_ICON).click() + self.page.wait_for_load_state("networkidle") + self.page.wait_for_timeout(2000) + + def delete_chat_history(self): + self.page.locator(self.SHOW_CHAT_HISTORY).click() + self.page.wait_for_timeout(2000) + chat_history = self.page.locator("//span[contains(text(),'No chat history.')]") + if chat_history.is_visible(): + self.page.wait_for_load_state("networkidle") + self.page.wait_for_timeout(2000) + self.page.get_by_label("hide button").click() + + else: + self.page.locator(self.CHAT_HISTORY_OPTIONS).click() + self.page.locator(self.CHAT_HISTORY_DELETE).click() + self.page.get_by_role("button", name="Clear All").click() + self.page.get_by_label("hide button").click() + self.page.wait_for_load_state("networkidle") + self.page.wait_for_timeout(2000) diff --git a/tests/e2e-test/pytest.ini b/tests/e2e-test/pytest.ini new file mode 100644 index 000000000..76eb64fc7 --- /dev/null +++ b/tests/e2e-test/pytest.ini @@ -0,0 +1,6 @@ +[pytest] +log_cli = true +log_cli_level = INFO +log_file = logs/tests.log +log_file_level = INFO +addopts = -p no:warnings diff --git a/tests/e2e-test/requirements.txt b/tests/e2e-test/requirements.txt new file mode 100644 index 000000000..7aad0cfb2 --- /dev/null +++ b/tests/e2e-test/requirements.txt @@ -0,0 +1,6 @@ +pytest-playwright +pytest-reporter-html1 +python-dotenv +pytest-check +pytest-html +py \ No newline at end of file diff --git a/tests/e2e-test/sample_dotenv_file.txt b/tests/e2e-test/sample_dotenv_file.txt new file mode 100644 index 000000000..773f46bae --- /dev/null +++ b/tests/e2e-test/sample_dotenv_file.txt @@ -0,0 +1,7 @@ +web_url = 'web app url' +admin_url = 'admin url' +user_name = 'user name' +pass_word = 'pass word' +client_id = 'client id' +client_secret = 'client secret' +tenant_id = 'tenant id' \ No newline at end of file diff --git a/tests/e2e-test/testdata/golden_path_data.json b/tests/e2e-test/testdata/golden_path_data.json new file mode 100644 index 000000000..bd69e1679 --- /dev/null +++ b/tests/e2e-test/testdata/golden_path_data.json @@ -0,0 +1,12 @@ +{ + "questions": [ + "How do I enroll in health benefits a new employee?", + "What options are available to me in terms of health coverage?", + "What providers are available under each option?", + "Can I access my current provider?", + "What benefits are available to employees (besides health coverage)?", + "How do I enroll in employee benefits?", + "How much does health coverage cost?", + "Can I extend my benefits to cover my spouse or dependents?" + ] +} diff --git a/tests/e2e-test/tests/__init__.py b/tests/e2e-test/tests/__init__.py new file mode 100644 index 000000000..e69de29bb diff --git a/tests/e2e-test/tests/conftest.py b/tests/e2e-test/tests/conftest.py new file mode 100644 index 000000000..31a3bc295 --- /dev/null +++ b/tests/e2e-test/tests/conftest.py @@ -0,0 +1,54 @@ +import os + +import pytest +from config.constants import * +from playwright.sync_api import sync_playwright +from py.xml import html # type: ignore + + +@pytest.fixture(scope="session") +def login_logout(): + # perform login and browser close once in a session + with sync_playwright() as p: + browser = p.chromium.launch(headless=False, args=["--start-maximized"]) + context = browser.new_context(no_viewport=True) + context.set_default_timeout(80000) + page = context.new_page() + # Navigate to the login URL + page.goto(WEB_URL) + # Wait for the login form to appear + page.wait_for_load_state("networkidle") + page.wait_for_timeout(5000) + # login to web url with username and password + # login_page = LoginPage(page) + # load_dotenv() + # login_page.authenticate(os.getenv('user_name'), os.getenv('pass_word')) + yield page + browser.close() + + +@pytest.hookimpl(tryfirst=True) +def pytest_html_report_title(report): + report.title = "Test_Automation_Chat_with_your_Data" + + +# Add a column for descriptions +def pytest_html_results_table_header(cells): + cells.insert(1, html.th("Description")) + + +def pytest_html_results_table_row(report, cells): + cells.insert( + 1, html.td(report.description if hasattr(report, "description") else "") + ) + + +# Add logs and docstring to report +@pytest.hookimpl(hookwrapper=True) +def pytest_runtest_makereport(item, call): + outcome = yield + report = outcome.get_result() + report.description = str(item.function.__doc__) + os.makedirs("logs", exist_ok=True) + extra = getattr(report, "extra", []) + report.extra = extra diff --git a/tests/e2e-test/tests/test_poc_chat_with_your_data.py b/tests/e2e-test/tests/test_poc_chat_with_your_data.py new file mode 100644 index 000000000..e253d39c4 --- /dev/null +++ b/tests/e2e-test/tests/test_poc_chat_with_your_data.py @@ -0,0 +1,71 @@ +import logging + +from config.constants import * +from pages.adminPage import AdminPage +from pages.webUserPage import WebUserPage + +logger = logging.getLogger(__name__) + + +def test_golden_path_web_page_demo_script(login_logout): + """Validate Golden path test case for Chat with your Data""" + page = login_logout + page.goto(ADMIN_URL) + logger.info("Step 1: Validate Admin page is loaded.") + admin_page = AdminPage(page) + assert ( + admin_page_title == page.locator(admin_page.ADMIN_PAGE_TITLE).text_content() + ), "page title not found" + logger.info("Step 2: Validate Files are uploaded or not") + admin_page.click_delete_data_tab() + assert ( + page.locator(admin_page.DELETE_CHECK_BOXES).count() >= 1 + ), "Files are not uploaded." + logger.info("Step 3: Validate Web page is loaded.") + page.goto(WEB_URL) + home_page = WebUserPage(page) + logger.info("Step 5: Validate Chat history has been deleted.") + home_page.delete_chat_history() + + failed_questions = [] + logger.info("Step 6: Validate Golden Path prompts response") + + def ask_question_and_check(question, attempt): + home_page.wait_for_load(4000) + home_page.enter_a_question(question) + home_page.click_send_button() + home_page.validate_response_status(question) + + response_text = page.locator(home_page.ANSWER_TEXT) + response_count = response_text.count() + + if response_count == 0: + return False # no response found + + response_text_content = response_text.nth(response_count - 1).text_content() + + if response_text_content == invalid_response: + print(f"[Attempt {attempt}] Invalid response for prompt: {question}") + return False + return True + + # First run through all questions + for question in questions: + if not ask_question_and_check(question, attempt=1): + failed_questions.append(question) + + # Retry failed questions once more + if failed_questions: + logger.info("Step 7: Retry failed question one more time.") + for question in failed_questions: + if not ask_question_and_check(question, attempt=2): + home_page.soft_assert( + False, + f"Failed after retry- Invalid response for prompt: {question}", + ) + + logger.info("Step 8: Validate chat history.") + home_page.show_chat_history() + logger.info("Step 9: Validate chat history closed.") + home_page.close_chat_history() + home_page.assert_all() diff --git a/tests/llm-evaluator/.env.sample b/tests/llm-evaluator/.env.sample new file mode 100644 index 000000000..a1058886a --- /dev/null +++ b/tests/llm-evaluator/.env.sample @@ -0,0 +1,14 @@ +# Azure Credentials +CLIENT_ID= +CLIENT_SECRET= +TENANT_ID= + +# Azure AI Project Details +SUBSCRIPTION_ID= +RESOURCE_GROUP_NAME= +# PROJECT_NAME= + +# Model Configuration (cwyd rg) +AZURE_ENDPOINT= +AZURE_DEPLOYMENT= +BASE_URL= \ No newline at end of file diff --git a/tests/llm-evaluator/api_evaluation.py b/tests/llm-evaluator/api_evaluation.py new file mode 100644 index 000000000..8998faf32 --- /dev/null +++ b/tests/llm-evaluator/api_evaluation.py @@ -0,0 +1,204 @@ +import os +import pathlib +from typing import TypedDict + +import pandas as pd +from azure.ai.evaluation import (CoherenceEvaluator, FluencyEvaluator, + GroundednessEvaluator, RelevanceEvaluator, + SimilarityEvaluator, evaluate) +from cwyd_conversation_client import CWYDConversationClient +from dotenv import load_dotenv +from typing_extensions import Self + +# Load environment variables from .env file +load_dotenv() + +# Accessing environment variables +client_id = os.getenv("CLIENT_ID") +client_secret = os.getenv("CLIENT_SECRET") +tenant_id = os.getenv("TENANT_ID") +subscription_id = os.getenv("SUBSCRIPTION_ID") +resource_group_name = os.getenv("RESOURCE_GROUP_NAME") +# project_name = os.getenv("PROJECT_NAME") +azure_endpoint = os.getenv("AZURE_ENDPOINT") +azure_deployment = os.getenv("AZURE_DEPLOYMENT") +base_url = os.getenv("BASE_URL") # Fetch the base URL from .env + + +class QADatasetEvaluator: + def __init__(self, client_id, client_secret, tenant_id, base_url): + self.client = CWYDConversationClient( + client_id, client_secret, tenant_id, base_url + ) + + def create_dataset_entry(self, query, api_response, latency): + """Create a dataset entry in the required format""" + try: + # Extract the assistant's response from the second message with role "assistant" + messages = api_response["choices"][0]["messages"] + assistant_response = next( + msg["content"] for msg in messages if msg["role"] == "assistant" + ) + + # Create the dataset entry + entry = { + "query": query, + "response": assistant_response, + "latency": round(latency, 6), + "response_length": len(assistant_response), + } + + return entry, assistant_response + except Exception as e: + raise Exception(f"Error creating dataset entry: {str(e)}") + + def get_conversation_response(self, question): + """Wrapper to call CWYDConversationClient""" + return self.client.get_conversation_response(question) + + +class ModelEndpoint: + def __init__(self: Self, model_config: dict, qa_evaluator_config: dict) -> None: + self.model_config = model_config + self.qa_evaluator_config = ( + qa_evaluator_config # Store the config dictionary here + ) + self.qa_creator = QADatasetEvaluator( + self.qa_evaluator_config["client_id"], + self.qa_evaluator_config["client_secret"], + self.qa_evaluator_config["tenant_id"], + self.qa_evaluator_config[ + "base_url" + ], # Pass the base URL to QADatasetCreator + ) + print(self.model_config) + + class Response(TypedDict): + query: str + response: str + + def __call__(self: Self, query: str) -> Response: + # Use the QADatasetCreator API to get the response + try: + api_response, latency = self.qa_creator.get_conversation_response(query) + # Create the dataset entry with the response and latency + entry, assistant_response = self.qa_creator.create_dataset_entry( + query, api_response, latency + ) + return {"query": query, "response": assistant_response} + except Exception as e: + return {"query": query, "response": f"Error: {str(e)}"} + + +def main(): + # Initialize the QADatasetEvaluator configuration with the necessary credentials + qa_evaluator_config = { + "client_id": client_id, + "client_secret": client_secret, + "tenant_id": tenant_id, + "base_url": base_url, # Include the base URL here + } + + # Load data from JSONL file + df = pd.read_json("data/dataset.jsonl", lines=True) + # print(df.head()) + print(f"Total entries in dataset: {len(df)}") + + # Define the Azure AI project details + # azure_ai_project = { + # "subscription_id": subscription_id, + # "resource_group_name": resource_group_name, + # "project_name": project_name, + # } + + # Define the model configuration + model_config = { + "azure_endpoint": azure_endpoint, + "azure_deployment": azure_deployment, + } + + # Initialize evaluators + # content_safety_evaluator = ContentSafetyEvaluator( + # azure_ai_project=azure_ai_project, credential=DefaultAzureCredential() + # ) + relevance_evaluator = RelevanceEvaluator(model_config) + coherence_evaluator = CoherenceEvaluator(model_config) + groundedness_evaluator = GroundednessEvaluator(model_config) + fluency_evaluator = FluencyEvaluator(model_config) + similarity_evaluator = SimilarityEvaluator(model_config) + + # Define the path to the data file + path = str(pathlib.Path.cwd() / "data" / "dataset.jsonl") + + # Run the evaluation using the new ModelEndpoint with QADatasetCreator config + results = evaluate( + evaluation_name="Eval-Run-" + "-" + model_config["azure_deployment"].title(), + data=path, + target=ModelEndpoint( + model_config, qa_evaluator_config + ), # Pass the config dictionary + evaluators={ + # "content_safety": content_safety_evaluator, + "coherence": coherence_evaluator, + "relevance": relevance_evaluator, + "groundedness": groundedness_evaluator, + "fluency": fluency_evaluator, + "similarity": similarity_evaluator, + }, + evaluator_config={ + "content_safety": { + "column_mapping": { + "query": "${data.query}", + "response": "${target.response}", + } + }, + "coherence": { + "column_mapping": { + "response": "${target.response}", + "query": "${data.query}", + } + }, + "relevance": { + "column_mapping": { + "response": "${target.response}", + "context": "${data.context}", + "query": "${data.query}", + } + }, + "groundedness": { + "column_mapping": { + "response": "${target.response}", + "context": "${data.context}", + "query": "${data.query}", + } + }, + "fluency": { + "column_mapping": { + "response": "${target.response}", + "context": "${data.context}", + "query": "${data.query}", + } + }, + "similarity": { + "column_mapping": { + "response": "${target.response}", + "ground_truth": "${data.ground_truth}", + "query": "${data.query}", + } + }, + }, + ) + + # Convert the results to a DataFrame and save to Excel + result_df = pd.DataFrame(results["rows"]) + + # Define the file path for saving Excel + excel_file_path = "data/evaluation_results.xlsx" + + # Save to Excel + result_df.to_excel(excel_file_path, index=False) + print(f"Evaluation results saved to {excel_file_path}") + + +if __name__ == "__main__": + main() diff --git a/tests/llm-evaluator/cwyd_conversation_client.py b/tests/llm-evaluator/cwyd_conversation_client.py new file mode 100644 index 000000000..912ef8ce3 --- /dev/null +++ b/tests/llm-evaluator/cwyd_conversation_client.py @@ -0,0 +1,70 @@ +import json +import time +from datetime import datetime +from uuid import uuid4 + +import requests + + +class CWYDConversationClient: + def __init__( + self, client_id: str, client_secret: str, tenant_id: str, base_url: str + ): + self.client_id = client_id + self.client_secret = client_secret + self.tenant_id = tenant_id + self.base_url = base_url + self.token = None + + def get_access_token(self): + """Obtain OAuth2 access token""" + token_url = ( + f"https://login.microsoftonline.com/{self.tenant_id}/oauth2/v2.0/token" + ) + data = { + "grant_type": "client_credentials", + "client_id": self.client_id, + "client_secret": self.client_secret, + "scope": f"api://{self.client_id}/.default", + } + response = requests.post(token_url, data=data) + if response.status_code == 200: + return response.json()["access_token"] + else: + raise Exception(f"Failed to get token: {response.text}") + + def get_conversation_response(self, question: str): + """Call CWYD /conversation API and return response and latency""" + if not self.token: + self.token = self.get_access_token() + + headers = { + "Content-Type": "application/json", + "Authorization": f"Bearer {self.token}", + "Accept": "*/*", + } + + payload = { + "conversation_id": str(uuid4()), + "messages": [ + { + "role": "user", + "content": question, + "id": str(uuid4()), + "date": datetime.utcnow().isoformat() + "Z", + } + ], + } + + start_time = time.time() + response = requests.post( + f"{self.base_url}/conversation", headers=headers, json=payload + ) + latency = time.time() - start_time + + if response.status_code == 200: + response_lines = response.text.splitlines() + final_response_line = response_lines[-1] + return json.loads(final_response_line), latency + else: + raise Exception(f"API request failed: {response.text}") diff --git a/tests/llm-evaluator/data/dataset.jsonl b/tests/llm-evaluator/data/dataset.jsonl new file mode 100644 index 000000000..f3566eb37 --- /dev/null +++ b/tests/llm-evaluator/data/dataset.jsonl @@ -0,0 +1,57 @@ +{"query": "How do I enroll in health benefits as a new employee?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.516635, "response_length": 100} +{"query": "What options are available to me in terms of health coverage?", "ground_truth": "The Northwind Standard plan offers several options and guidelines for health coverage:\n\n1. **Primary and Secondary Coverage**: If you have other health coverage, you must notify Northwind Health of any changes. You may be able to keep your other coverage and still be eligible for the Northwind Standard plan, but if the other coverage is primary, you will be responsible for charges that would have been covered by the Northwind Standard plan [doc1].\n\n2. **Government-Sponsored Programs**: If you have coverage through programs like Medicare or Medicaid, you may face certain restrictions, such as needing to obtain specific services through the government-sponsored plan [doc2].\n\n3. **Coordination of Benefits**: You can coordinate benefits with other health care plans, such as Medicare or an employer-sponsored plan, to reduce out-of-pocket costs. This involves filing claims with both plans and providing necessary documentation like the Explanation of Benefits (EOB) [doc3].\n\n4. **Coverage Limitations**: The Northwind Standard plan does not cover certain services, including emergency care, mental health and substance abuse treatment, or out-of-network services. You should explore alternative coverage options if you need these services [doc4][doc5].\n\n5. **Preventive Care and Prescription Drugs**: The plan covers preventive care services and prescription drugs, which you should take advantage of to maximize your benefits [doc6][doc7].\n\n6. **Emergency Services**: Emergency services are covered, but the costs can vary depending on whether the services are received in-network or out-of-network. Out-of-network services may result in higher out-of-pocket costs [doc8][doc9].\n\nBy understanding these options and coordinating benefits effectively, you can ensure you get the most out of your health coverage with the Northwind Standard plan.", "context": "Northwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A04%3A50Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A04%3A50Z&ske=2025-05-20T12%3A04%3A50Z&sks=b&skv=2024-05-04&sig=SGmhibpP3jektJlJgHk6pHEUjWAbcpBA5kITJZ%2BnM1E%3D)\n\n\n

If you have other coverage, you must notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage. If you fail to do so, you may be responsible for any charges that Northwind Health would have paid if you had notified them of the other coverage.

\n

In certain circumstances, you may be able to keep your other coverage and still be eligible for coverage under the Northwind Standard plan. However, if the other coverage is primary, you will be responsible for any charges that would have been paid by the Northwind Standard plan.

\n

It is also important to note that if you have coverage through a government-sponsored program such as Medicare or Medicaid, you may be subject to certain restrictions. For example, you may be required to obtain certain services through the government- sponsored plan.

\n

Tips for Employees

\n

To ensure you get the most out of your Northwind Standard coverage, here are some tips:

\n

\u00b7 Make sure you understand the terms and conditions of your other coverage and any restrictions associated with it.

\n

\u00b7 Know which plan is primary and which is secondary.

\n

\u00b7 Notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage.

\n

\u00b7 Understand any restrictions associated with any government-sponsored programs you may be enrolled in.

\n

\u00b7 Your Northwind Standard plan does not cover certain services, such as emergency care, mental health and substance abuse coverage, or out-of-network services. Be sure to explore alternative coverage options if you need coverage for these services.

\n

\u00b7 Take advantage of preventive care services and prescription drug coverage available through your Northwind Standard plan.

\n

\u00b7 Make sure you understand your plan's coverage limits and any out-of-pocket expenses you may be responsible for.

By understanding your coverage and taking advantage of all the benefits available through the Northwind Standard plan, you can make sure that you are getting the most out of your health insurance coverage.

\n

Notices

\n

OTHER INFORMATION ABOUT THIS PLAN: Notices

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A04%3A50Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A04%3A50Z&ske=2025-05-20T12%3A04%3A50Z&sks=b&skv=2024-05-04&sig=SGmhibpP3jektJlJgHk6pHEUjWAbcpBA5kITJZ%2BnM1E%3D)\n\n\n

If you have other coverage, you must notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage. If you fail to do so, you may be responsible for any charges that Northwind Health would have paid if you had notified them of the other coverage.

\n

In certain circumstances, you may be able to keep your other coverage and still be eligible for coverage under the Northwind Standard plan. However, if the other coverage is primary, you will be responsible for any charges that would have been paid by the Northwind Standard plan.

\n

It is also important to note that if you have coverage through a government-sponsored program such as Medicare or Medicaid, you may be subject to certain restrictions. For example, you may be required to obtain certain services through the government- sponsored plan.

\n

Tips for Employees

\n

To ensure you get the most out of your Northwind Standard coverage, here are some tips:

\n

\u00b7 Make sure you understand the terms and conditions of your other coverage and any restrictions associated with it.

\n

\u00b7 Know which plan is primary and which is secondary.

\n

\u00b7 Notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage.

\n

\u00b7 Understand any restrictions associated with any government-sponsored programs you may be enrolled in.

\n

\u00b7 Your Northwind Standard plan does not cover certain services, such as emergency care, mental health and substance abuse coverage, or out-of-network services. Be sure to explore alternative coverage options if you need coverage for these services.

\n

\u00b7 Take advantage of preventive care services and prescription drug coverage available through your Northwind Standard plan.

\n

\u00b7 Make sure you understand your plan's coverage limits and any out-of-pocket expenses you may be responsible for.

By understanding your coverage and taking advantage of all the benefits available through the Northwind Standard plan, you can make sure that you are getting the most out of your health insurance coverage.

\n

Notices

\n

OTHER INFORMATION ABOUT THIS PLAN: Notices

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A04%3A51Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A04%3A51Z&ske=2025-05-20T12%3A04%3A51Z&sks=b&skv=2024-05-04&sig=zAxS3wrKMjMMFm7RLN53N1O8nbxD0AlMEZCH3Rjfyxs%3D)\n\n\n

WHAT IF I HAVE OTHER COVERAGE?

\n

Coordinating Benefits With Other Health Care Plans WHAT IF I HAVE OTHER COVERAGE?

\n

Coordinating Benefits With Other Health Care Plans

\n

It may be possible to coordinate benefits with other health care plans if you have other coverage. Coordinating benefits allows you to receive payments from each health plan towards covered services, as long as the total amount of payments does not exceed the total charges for the service.

\n

If you have other coverage, such as Medicare or an employer-sponsored health plan, the Northwind Standard plan may be able to coordinate benefits with those plans. This can help reduce your out-of-pocket costs for health care services.

\n

How Do I Coordinate Benefits with Other Plans?

If you have other health care coverage, you should contact the other health care plan(s) to determine how to coordinate benefits. Depending on the plans you have, you may be able to coordinate benefits by filing a claim with both plans.

\n

You will need to provide the other plan with a copy of the Explanation of Benefits (EOB) from the Northwind Health plan. The EOB is a summary of the services you received and how much the Northwind Health plan paid for those services.

\n

When filing a claim with the other health care plan, you may also need to provide a copy of your bill or invoice. The other plan may require additional information as part of the claim process.

\n

You should keep copies of all documentation that you submit to the other plan. This can help you track your claim and follow up with the other plan if there are any delays in processing.

\n

Exceptions

\n

Coordination of benefits with other plans is not available for all types of services. For example, coordination of benefits will not be available for services related to emergency care, mental health and substance abuse treatment, or services received from out-of- network providers.

\n

Tips for Coordinating Benefits

\n

\u00b7 Contact your other health care plan to determine whether you can coordinate benefits and what documentation you need to provide.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A04%3A51Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A04%3A51Z&ske=2025-05-20T12%3A04%3A51Z&sks=b&skv=2024-05-04&sig=zAxS3wrKMjMMFm7RLN53N1O8nbxD0AlMEZCH3Rjfyxs%3D)\n\n\n

If you have other coverage, you must notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage. If you fail to do so, you may be responsible for any charges that Northwind Health would have paid if you had notified them of the other coverage.

\n

In certain circumstances, you may be able to keep your other coverage and still be eligible for coverage under the Northwind Standard plan. However, if the other coverage is primary, you will be responsible for any charges that would have been paid by the Northwind Standard plan.

\n

It is also important to note that if you have coverage through a government-sponsored program such as Medicare or Medicaid, you may be subject to certain restrictions. For example, you may be required to obtain certain services through the government- sponsored plan.

\n

Tips for Employees

\n

To ensure you get the most out of your Northwind Standard coverage, here are some tips:

\n

\u00b7 Make sure you understand the terms and conditions of your other coverage and any restrictions associated with it.

\n

\u00b7 Know which plan is primary and which is secondary.

\n

\u00b7 Notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage.

\n

\u00b7 Understand any restrictions associated with any government-sponsored programs you may be enrolled in.

\n

\u00b7 Your Northwind Standard plan does not cover certain services, such as emergency care, mental health and substance abuse coverage, or out-of-network services. Be sure to explore alternative coverage options if you need coverage for these services.

\n

\u00b7 Take advantage of preventive care services and prescription drug coverage available through your Northwind Standard plan.

\n

\u00b7 Make sure you understand your plan's coverage limits and any out-of-pocket expenses you may be responsible for.

By understanding your coverage and taking advantage of all the benefits available through the Northwind Standard plan, you can make sure that you are getting the most out of your health insurance coverage.

\n

Notices

\n

OTHER INFORMATION ABOUT THIS PLAN: Notices

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A04%3A51Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A04%3A51Z&ske=2025-05-20T12%3A04%3A51Z&sks=b&skv=2024-05-04&sig=zAxS3wrKMjMMFm7RLN53N1O8nbxD0AlMEZCH3Rjfyxs%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A04%3A52Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A04%3A51Z&ske=2025-05-20T12%3A04%3A51Z&sks=b&skv=2024-05-04&sig=wMosG9zgJ7amBoX%2BJ%2B%2Br8tBoyFJrK9rgYQILz1kUd0I%3D)\n\n\n

If you have other coverage, you must notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage. If you fail to do so, you may be responsible for any charges that Northwind Health would have paid if you had notified them of the other coverage.

\n

In certain circumstances, you may be able to keep your other coverage and still be eligible for coverage under the Northwind Standard plan. However, if the other coverage is primary, you will be responsible for any charges that would have been paid by the Northwind Standard plan.

\n

It is also important to note that if you have coverage through a government-sponsored program such as Medicare or Medicaid, you may be subject to certain restrictions. For example, you may be required to obtain certain services through the government- sponsored plan.

\n

Tips for Employees

\n

To ensure you get the most out of your Northwind Standard coverage, here are some tips:

\n

\u00b7 Make sure you understand the terms and conditions of your other coverage and any restrictions associated with it.

\n

\u00b7 Know which plan is primary and which is secondary.

\n

\u00b7 Notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage.

\n

\u00b7 Understand any restrictions associated with any government-sponsored programs you may be enrolled in.

\n

\u00b7 Your Northwind Standard plan does not cover certain services, such as emergency care, mental health and substance abuse coverage, or out-of-network services. Be sure to explore alternative coverage options if you need coverage for these services.

\n

\u00b7 Take advantage of preventive care services and prescription drug coverage available through your Northwind Standard plan.

\n

\u00b7 Make sure you understand your plan's coverage limits and any out-of-pocket expenses you may be responsible for.

By understanding your coverage and taking advantage of all the benefits available through the Northwind Standard plan, you can make sure that you are getting the most out of your health insurance coverage.

\n

Notices

\n

OTHER INFORMATION ABOUT THIS PLAN: Notices

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A04%3A52Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A04%3A52Z&ske=2025-05-20T12%3A04%3A52Z&sks=b&skv=2024-05-04&sig=LEZ1pYspcxX308sBj/kdVu%2Bg96Pho5/5idGGoqv8s5M%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A04%3A52Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A04%3A52Z&ske=2025-05-20T12%3A04%3A52Z&sks=b&skv=2024-05-04&sig=LEZ1pYspcxX308sBj/kdVu%2Bg96Pho5/5idGGoqv8s5M%3D)\n\n\n

Emergency Services: Emergency services are subject to a copayment and deductible, but the amount can vary depending on whether the services are received in-network or out-of- network.

\n

Tips

\n

\u00b7 Always check to see if a provider is in-network or out-of-network before receiving services.

\u00b7 Ask your doctor about generic drugs if you are prescribed a medication.

\n

\u00b7 Contact Northwind Health if you have any questions about your coverage or benefits. \u00b7 Keep track of your out-of-pocket expenses to ensure you do not exceed the out-of-pocket maximum.

\n

\u00b7 Be aware of any copayments, deductibles, and coinsurance amounts that apply to your health care services.

\n

\u00b7 Take advantage of preventive care services as they are covered at 100% with no out-of- pocket costs.\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A04%3A53Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A04%3A53Z&ske=2025-05-20T12%3A04%3A53Z&sks=b&skv=2024-05-04&sig=A6A9INhS2xx/EcvEnWK2ZR1R3pP8XWeU7whVsDc96po%3D)\n\n\n

In-Network Providers

\n

If you seek emergency care from an in-network provider, your plan will cover the cost of treatment, including any necessary hospitalization and follow-up care. Depending on the type of plan you have, you may also be responsible for paying a copayment and/or coinsurance.

\n

Out-of-Network Providers

\n

Emergency services received from out-of-network providers will also be covered, but you may be responsible for higher out-of-pocket costs such as copayments and coinsurance. If you receive services from an out-of-network provider, you may also be responsible for paying the difference between the amount billed by the provider and the amount the plan will pay.

\n

Exceptions

Northwind Health Plus does not cover certain types of emergency services. These include services for certain social and cosmetic procedures, elective surgery, experimental treatments, and services for injuries or illnesses that are not medically necessary.

\n

Tips for Employees

\n

It is important to keep in mind that if you have an emergency, you should seek care from the nearest hospital or medical facility. Regardless of whether it is in-network or out-of- network, you will be covered. It is also important to remember that if you receive care from an out-of-network provider, you may be responsible for higher out-of-pocket costs.

\n

It is also important to be aware of the exceptions to Northwind Health Plus' coverage of emergency services. Certain services, such as those for elective surgery and experimental treatments, are not covered.

\n

Lastly, it is important to keep your Northwind Health Plus ID card with you at all times. This card will provide proof of coverage and will help ensure you get the care you need.

\n

Foot Care COVERED SERVICES: Foot Care

\n

At Northwind Health Plus, we understand that foot care is an important part of your overall health and well-being. That's why our plan covers foot care services, including diagnosis and treatment of conditions affecting the feet.

\n

Our plan covers the following foot care services:

", "latency": 17.130985, "response_length": 1851} +{"query": "What providers are available under each option?", "ground_truth": "Under the Northwind Standard health insurance plan, the following provider options are available:\n\n1. **In-Network Providers**:\n - Northwind Standard offers a variety of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies [doc1].\n - In-network providers have agreed to accept a discounted rate on services, making them the most cost-effective option [doc2].\n - Preventive care services are covered 100% by the plan when using in-network providers [doc3].\n\n2. **Out-of-Network Providers**:\n - Northwind Standard also offers coverage for some out-of-network providers, but the costs associated with these providers can be significantly higher [doc4].\n - If you choose an out-of-network provider, you may be responsible for the entire cost of services or a greater portion of the cost compared to in-network providers [doc5].\n - Emergency services can be received from both in-network and out-of-network providers, but out-of-pocket costs may be higher for out-of-network care [doc6].\n\n3. **Exceptions**:\n - Some services, such as those related to mental health and substance abuse, may have different rules and coverage levels [doc7].\n - Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network services in some cases, meaning you may have to pay out-of-pocket for these services [doc8][doc9].\n\nBy choosing in-network providers, you can ensure lower costs and take full advantage of the benefits offered by the Northwind Standard plan.", "context": "Northwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A01Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A01Z&ske=2025-05-20T12%3A05%3A01Z&sks=b&skv=2024-05-04&sig=QrqF6T89TchfRorwo8JvbzfE6Y%2BSOuL4CExNAdCK5LA%3D)\n\n\n

\u00b7 Make sure to take advantage of preventive care services. These services are covered 100% by the plan and can help you avoid more costly treatments down the line.

\n

\u00b7 Always make sure to visit in-network providers. Doing so will ensure that you receive the maximum benefit from your plan.

\n

\u00b7 Consider generic prescription drugs when available. These drugs can often be cheaper than brand-name drugs and are just as effective.

\n

\u00b7 Talk to your doctor about ways to save money. Many doctors are willing to work with you to find the most cost-effective treatment options available.

\n

\u00b7 Review your Explanation of Benefits (EOB) statements carefully. This document will show you exactly how much you are being charged for each service and what your plan is covering.

\n

By following these tips, you can ensure that you are getting the most out of your Northwind Standard health plan.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

When selecting a health insurance plan, one of the most important factors to consider is the network of in-network providers that are available with the plan.

\n

Northwind Standard offers a wide variety of in-network providers, ranging from primary care physicians, specialists, hospitals, and pharmacies. This allows you to choose a provider that is convenient for you and your family, while also helping you to keep your costs low.

\n

When you choose a provider that is in-network with your plan, you will typically pay lower copays and deductibles than you would with an out-of-network provider. In addition, many services, such as preventive care, may be covered at no cost when you receive care from an in-network provider.

\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A01Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A01Z&ske=2025-05-20T12%3A05%3A01Z&sks=b&skv=2024-05-04&sig=QrqF6T89TchfRorwo8JvbzfE6Y%2BSOuL4CExNAdCK5LA%3D)\n\n\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to health insurance, many people are unaware of the different factors that impact the costs they pay. One of the most significant components that affects your costs is the provider you choose. Northwind Standard provides coverage for a variety of in-network

providers, and the costs associated with each provider can vary significantly. To ensure you're getting the best value for your health care services, it's important to understand how providers can affect your costs.

\n

In-Network Providers

\n

Choosing in-network providers is the most cost-effective option when it comes to your Northwind Standard plan. In-network providers have agreed to accept a discounted rate on services, which means they are often less expensive than out-of-network providers. When selecting an in-network provider, you will likely only have to pay a portion of the cost for services, often referred to as a \"co-pay\" or \"co-insurance\". It's important to note that different types of services may require different co-pays or co-insurance, so it's best to contact your provider to understand what the cost will be.

\n

Out-of-Network Providers

\n

Northwind Standard offers coverage for some out-of-network providers, but the costs associated with these providers can be significantly more expensive than in-network providers. If you choose an out-of-network provider, you may be responsible for the entire cost of services, or a far greater portion of the cost than you would with an in-network provider. In some cases, Northwind Standard may offer coverage for out-of-network providers, but you may still have to pay more than you would for an in-network provider.

\n

Exceptions

\n

Some providers may offer services that are outside of the Northwind Standard plan coverage. Depending on the services provided, you may have to pay out-of-pocket for services that are not covered. Additionally, it's important to note that there may be different rules and coverage levels associated with certain types of services, such as those related to mental health and substance abuse.

\n

Tips

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A02Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A01Z&ske=2025-05-20T12%3A05%3A01Z&sks=b&skv=2024-05-04&sig=vm5M2FlWmic8AeR7ThJ0WW5SzQCbDaPyXMfSsIzabHM%3D)\n\n\n

\u00b7 Make sure to take advantage of preventive care services. These services are covered 100% by the plan and can help you avoid more costly treatments down the line.

\n

\u00b7 Always make sure to visit in-network providers. Doing so will ensure that you receive the maximum benefit from your plan.

\n

\u00b7 Consider generic prescription drugs when available. These drugs can often be cheaper than brand-name drugs and are just as effective.

\n

\u00b7 Talk to your doctor about ways to save money. Many doctors are willing to work with you to find the most cost-effective treatment options available.

\n

\u00b7 Review your Explanation of Benefits (EOB) statements carefully. This document will show you exactly how much you are being charged for each service and what your plan is covering.

\n

By following these tips, you can ensure that you are getting the most out of your Northwind Standard health plan.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

When selecting a health insurance plan, one of the most important factors to consider is the network of in-network providers that are available with the plan.

\n

Northwind Standard offers a wide variety of in-network providers, ranging from primary care physicians, specialists, hospitals, and pharmacies. This allows you to choose a provider that is convenient for you and your family, while also helping you to keep your costs low.

\n

When you choose a provider that is in-network with your plan, you will typically pay lower copays and deductibles than you would with an out-of-network provider. In addition, many services, such as preventive care, may be covered at no cost when you receive care from an in-network provider.

\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A02Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A02Z&ske=2025-05-20T12%3A05%3A02Z&sks=b&skv=2024-05-04&sig=WdeZO5oOwy9oeq5ekaooBmyqEsk%2BUKczVaasl%2Bf7ifw%3D)\n\n\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to health insurance, many people are unaware of the different factors that impact the costs they pay. One of the most significant components that affects your costs is the provider you choose. Northwind Standard provides coverage for a variety of in-network

providers, and the costs associated with each provider can vary significantly. To ensure you're getting the best value for your health care services, it's important to understand how providers can affect your costs.

\n

In-Network Providers

\n

Choosing in-network providers is the most cost-effective option when it comes to your Northwind Standard plan. In-network providers have agreed to accept a discounted rate on services, which means they are often less expensive than out-of-network providers. When selecting an in-network provider, you will likely only have to pay a portion of the cost for services, often referred to as a \"co-pay\" or \"co-insurance\". It's important to note that different types of services may require different co-pays or co-insurance, so it's best to contact your provider to understand what the cost will be.

\n

Out-of-Network Providers

\n

Northwind Standard offers coverage for some out-of-network providers, but the costs associated with these providers can be significantly more expensive than in-network providers. If you choose an out-of-network provider, you may be responsible for the entire cost of services, or a far greater portion of the cost than you would with an in-network provider. In some cases, Northwind Standard may offer coverage for out-of-network providers, but you may still have to pay more than you would for an in-network provider.

\n

Exceptions

\n

Some providers may offer services that are outside of the Northwind Standard plan coverage. Depending on the services provided, you may have to pay out-of-pocket for services that are not covered. Additionally, it's important to note that there may be different rules and coverage levels associated with certain types of services, such as those related to mental health and substance abuse.

\n

Tips

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A02Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A02Z&ske=2025-05-20T12%3A05%3A02Z&sks=b&skv=2024-05-04&sig=WdeZO5oOwy9oeq5ekaooBmyqEsk%2BUKczVaasl%2Bf7ifw%3D)\n\n\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to health insurance, many people are unaware of the different factors that impact the costs they pay. One of the most significant components that affects your costs is the provider you choose. Northwind Standard provides coverage for a variety of in-network

providers, and the costs associated with each provider can vary significantly. To ensure you're getting the best value for your health care services, it's important to understand how providers can affect your costs.

\n

In-Network Providers

\n

Choosing in-network providers is the most cost-effective option when it comes to your Northwind Standard plan. In-network providers have agreed to accept a discounted rate on services, which means they are often less expensive than out-of-network providers. When selecting an in-network provider, you will likely only have to pay a portion of the cost for services, often referred to as a \"co-pay\" or \"co-insurance\". It's important to note that different types of services may require different co-pays or co-insurance, so it's best to contact your provider to understand what the cost will be.

\n

Out-of-Network Providers

\n

Northwind Standard offers coverage for some out-of-network providers, but the costs associated with these providers can be significantly more expensive than in-network providers. If you choose an out-of-network provider, you may be responsible for the entire cost of services, or a far greater portion of the cost than you would with an in-network provider. In some cases, Northwind Standard may offer coverage for out-of-network providers, but you may still have to pay more than you would for an in-network provider.

\n

Exceptions

\n

Some providers may offer services that are outside of the Northwind Standard plan coverage. Depending on the services provided, you may have to pay out-of-pocket for services that are not covered. Additionally, it's important to note that there may be different rules and coverage levels associated with certain types of services, such as those related to mental health and substance abuse.

\n

Tips

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A03Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A03Z&ske=2025-05-20T12%3A05%3A03Z&sks=b&skv=2024-05-04&sig=zX2fhW3/ANQu/ozseAwhAQrv2T053OKLpCJ6JXT5D8o%3D)\n\n\n

Emergency Services

In the event of an emergency, you can receive care from both in-network and out-of- network providers. However, if you choose to receive care from an out-of-network provider, your out-of-pocket costs may be higher. Therefore, it is important to consider the cost of out-of-network care when deciding whether to seek emergency care.

\n

Tips for Choosing an In-Network Provider

\n

When choosing an in-network provider, there are a few tips to keep in mind:

\n

. Check with Northwind Health Plus to make sure that the provider you are considering is in-network.

\n

. Use the searchable directory on the Northwind Health Plus website to find in-network providers in your area.

\n

. Ask your current provider if they are part of the Northwind Health Plus network.

\n

\u00b7 Consider the cost savings associated with in-network providers when making your decision.

\n

\u00b7 Consider the quality of care when choosing a provider.

\n

\u00b7 Make sure the provider is familiar with your health insurance plan and its coverage.

\n

\u00b7 Make sure the provider is available and can accommodate your schedule.

\n

Conclusion

\n

Choosing the right provider is an important part of getting the most value out of your health insurance plan. Northwind Health Plus offers an extensive network of in-network providers that can help you save money on health care services. By following the tips outlined above, you can make sure that you are choosing an in-network provider that is most convenient and cost-effective for you and your family.

\n

Continuity of Care HOW PROVIDERS AFFECT YOUR COSTS: Continuity of Care

\n

It's important to understand continuity of care when selecting a provider. Continuity of care is the process of being treated by the same provider or medical team over a period of time. When you have continuity of care, your provider has a better understanding of your medical history, enabling them to provide more accurate diagnoses and treatments.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A03Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A03Z&ske=2025-05-20T12%3A05%3A03Z&sks=b&skv=2024-05-04&sig=zX2fhW3/ANQu/ozseAwhAQrv2T053OKLpCJ6JXT5D8o%3D)\n\n\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to health insurance, many people are unaware of the different factors that impact the costs they pay. One of the most significant components that affects your costs is the provider you choose. Northwind Standard provides coverage for a variety of in-network

providers, and the costs associated with each provider can vary significantly. To ensure you're getting the best value for your health care services, it's important to understand how providers can affect your costs.

\n

In-Network Providers

\n

Choosing in-network providers is the most cost-effective option when it comes to your Northwind Standard plan. In-network providers have agreed to accept a discounted rate on services, which means they are often less expensive than out-of-network providers. When selecting an in-network provider, you will likely only have to pay a portion of the cost for services, often referred to as a \"co-pay\" or \"co-insurance\". It's important to note that different types of services may require different co-pays or co-insurance, so it's best to contact your provider to understand what the cost will be.

\n

Out-of-Network Providers

\n

Northwind Standard offers coverage for some out-of-network providers, but the costs associated with these providers can be significantly more expensive than in-network providers. If you choose an out-of-network provider, you may be responsible for the entire cost of services, or a far greater portion of the cost than you would with an in-network provider. In some cases, Northwind Standard may offer coverage for out-of-network providers, but you may still have to pay more than you would for an in-network provider.

\n

Exceptions

\n

Some providers may offer services that are outside of the Northwind Standard plan coverage. Depending on the services provided, you may have to pay out-of-pocket for services that are not covered. Additionally, it's important to note that there may be different rules and coverage levels associated with certain types of services, such as those related to mental health and substance abuse.

\n

Tips

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A03Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A03Z&ske=2025-05-20T12%3A05%3A03Z&sks=b&skv=2024-05-04&sig=zX2fhW3/ANQu/ozseAwhAQrv2T053OKLpCJ6JXT5D8o%3D)\n\n\n

\u00b7 Make sure to take advantage of preventive care services. These services are covered 100% by the plan and can help you avoid more costly treatments down the line.

\n

\u00b7 Always make sure to visit in-network providers. Doing so will ensure that you receive the maximum benefit from your plan.

\n

\u00b7 Consider generic prescription drugs when available. These drugs can often be cheaper than brand-name drugs and are just as effective.

\n

\u00b7 Talk to your doctor about ways to save money. Many doctors are willing to work with you to find the most cost-effective treatment options available.

\n

\u00b7 Review your Explanation of Benefits (EOB) statements carefully. This document will show you exactly how much you are being charged for each service and what your plan is covering.

\n

By following these tips, you can ensure that you are getting the most out of your Northwind Standard health plan.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

When selecting a health insurance plan, one of the most important factors to consider is the network of in-network providers that are available with the plan.

\n

Northwind Standard offers a wide variety of in-network providers, ranging from primary care physicians, specialists, hospitals, and pharmacies. This allows you to choose a provider that is convenient for you and your family, while also helping you to keep your costs low.

\n

When you choose a provider that is in-network with your plan, you will typically pay lower copays and deductibles than you would with an out-of-network provider. In addition, many services, such as preventive care, may be covered at no cost when you receive care from an in-network provider.

\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A03Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A03Z&ske=2025-05-20T12%3A05%3A03Z&sks=b&skv=2024-05-04&sig=zX2fhW3/ANQu/ozseAwhAQrv2T053OKLpCJ6JXT5D8o%3D)\n\n\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n

When choosing an in-network provider, there are a few tips to keep in mind. First, make sure that the provider you choose is in-network with your plan. You can confirm this by calling the provider's office and asking them if they are in-network with Northwind Standard. You can also use the provider search tool on the Northwind Health website to make sure your provider is in-network.

\n

Second, make sure that the provider you choose is accepting new patients. Some providers may be in-network but not be taking new patients.

\n

Third, consider the location of the provider. If the provider is too far away, it may be difficult for you to get to your appointments.

\n

Finally, consider the provider's office hours. If you work during the day, you may need to find a provider that has evening or weekend hours.

\n

Choosing an in-network provider can help you save money on your health care costs. By following the tips above and researching your options, you can find a provider that is convenient, affordable, and in-network with your Northwind Standard plan.

\n

Continuity of Care HOW PROVIDERS AFFECT YOUR COSTS: CONTINUITY OF CARE

\n

At Contoso, we understand the importance of providing our employees with access to a quality, affordable health care plan. We are proud to offer our employees Northwind Standard, an insurance plan that provides coverage for medical, vision, and dental services. We also offer continuity of care, which is the ability to stay with the same provider for all your health care needs, from routine checkups to specialized care.

", "latency": 10.517091, "response_length": 1557} +{"query": "Can I access my current provider?", "ground_truth": "To determine if you can access your current provider, you should follow these steps:\n\n1. **Check with Northwind Health Plus**: Confirm if your current provider is in-network by contacting Northwind Health Plus directly or using their searchable directory on their website [doc1].\n2. **Ask Your Provider**: Inquire with your current provider if they are part of the Northwind Health Plus network [doc2].\n3. **Consider Provider Availability**: Ensure that your provider is accepting new patients and can accommodate your schedule [doc3].\n4. **Understand Continuity of Care**: If you are switching providers, make sure the new provider is familiar with your medical history to maintain continuity of care [doc4].\n\nBy following these steps, you can determine if you can continue seeing your current provider under your Northwind Health Plus plan.", "context": "Northwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A10Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A10Z&ske=2025-05-20T12%3A05%3A10Z&sks=b&skv=2024-05-04&sig=HnePCVQ7ET%2B50vy49oVBhLpHWwnulknsS/sL3codhUk%3D)\n\n\n

Emergency Services

In the event of an emergency, you can receive care from both in-network and out-of- network providers. However, if you choose to receive care from an out-of-network provider, your out-of-pocket costs may be higher. Therefore, it is important to consider the cost of out-of-network care when deciding whether to seek emergency care.

\n

Tips for Choosing an In-Network Provider

\n

When choosing an in-network provider, there are a few tips to keep in mind:

\n

. Check with Northwind Health Plus to make sure that the provider you are considering is in-network.

\n

. Use the searchable directory on the Northwind Health Plus website to find in-network providers in your area.

\n

. Ask your current provider if they are part of the Northwind Health Plus network.

\n

\u00b7 Consider the cost savings associated with in-network providers when making your decision.

\n

\u00b7 Consider the quality of care when choosing a provider.

\n

\u00b7 Make sure the provider is familiar with your health insurance plan and its coverage.

\n

\u00b7 Make sure the provider is available and can accommodate your schedule.

\n

Conclusion

\n

Choosing the right provider is an important part of getting the most value out of your health insurance plan. Northwind Health Plus offers an extensive network of in-network providers that can help you save money on health care services. By following the tips outlined above, you can make sure that you are choosing an in-network provider that is most convenient and cost-effective for you and your family.

\n

Continuity of Care HOW PROVIDERS AFFECT YOUR COSTS: Continuity of Care

\n

It's important to understand continuity of care when selecting a provider. Continuity of care is the process of being treated by the same provider or medical team over a period of time. When you have continuity of care, your provider has a better understanding of your medical history, enabling them to provide more accurate diagnoses and treatments.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A10Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A10Z&ske=2025-05-20T12%3A05%3A10Z&sks=b&skv=2024-05-04&sig=HnePCVQ7ET%2B50vy49oVBhLpHWwnulknsS/sL3codhUk%3D)\n\n\n

Emergency Services

In the event of an emergency, you can receive care from both in-network and out-of- network providers. However, if you choose to receive care from an out-of-network provider, your out-of-pocket costs may be higher. Therefore, it is important to consider the cost of out-of-network care when deciding whether to seek emergency care.

\n

Tips for Choosing an In-Network Provider

\n

When choosing an in-network provider, there are a few tips to keep in mind:

\n

. Check with Northwind Health Plus to make sure that the provider you are considering is in-network.

\n

. Use the searchable directory on the Northwind Health Plus website to find in-network providers in your area.

\n

. Ask your current provider if they are part of the Northwind Health Plus network.

\n

\u00b7 Consider the cost savings associated with in-network providers when making your decision.

\n

\u00b7 Consider the quality of care when choosing a provider.

\n

\u00b7 Make sure the provider is familiar with your health insurance plan and its coverage.

\n

\u00b7 Make sure the provider is available and can accommodate your schedule.

\n

Conclusion

\n

Choosing the right provider is an important part of getting the most value out of your health insurance plan. Northwind Health Plus offers an extensive network of in-network providers that can help you save money on health care services. By following the tips outlined above, you can make sure that you are choosing an in-network provider that is most convenient and cost-effective for you and your family.

\n

Continuity of Care HOW PROVIDERS AFFECT YOUR COSTS: Continuity of Care

\n

It's important to understand continuity of care when selecting a provider. Continuity of care is the process of being treated by the same provider or medical team over a period of time. When you have continuity of care, your provider has a better understanding of your medical history, enabling them to provide more accurate diagnoses and treatments.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A10Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A10Z&ske=2025-05-20T12%3A05%3A10Z&sks=b&skv=2024-05-04&sig=HnePCVQ7ET%2B50vy49oVBhLpHWwnulknsS/sL3codhUk%3D)\n\n\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n

When choosing an in-network provider, there are a few tips to keep in mind. First, make sure that the provider you choose is in-network with your plan. You can confirm this by calling the provider's office and asking them if they are in-network with Northwind Standard. You can also use the provider search tool on the Northwind Health website to make sure your provider is in-network.

\n

Second, make sure that the provider you choose is accepting new patients. Some providers may be in-network but not be taking new patients.

\n

Third, consider the location of the provider. If the provider is too far away, it may be difficult for you to get to your appointments.

\n

Finally, consider the provider's office hours. If you work during the day, you may need to find a provider that has evening or weekend hours.

\n

Choosing an in-network provider can help you save money on your health care costs. By following the tips above and researching your options, you can find a provider that is convenient, affordable, and in-network with your Northwind Standard plan.

\n

Continuity of Care HOW PROVIDERS AFFECT YOUR COSTS: CONTINUITY OF CARE

\n

At Contoso, we understand the importance of providing our employees with access to a quality, affordable health care plan. We are proud to offer our employees Northwind Standard, an insurance plan that provides coverage for medical, vision, and dental services. We also offer continuity of care, which is the ability to stay with the same provider for all your health care needs, from routine checkups to specialized care.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A11Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A11Z&ske=2025-05-20T12%3A05%3A11Z&sks=b&skv=2024-05-04&sig=JtBLdvcriBJaYKbpJyPhSNt8cWViVUAAR6rWZT4H2YU%3D)\n\n\n

\u00b7 Ask your provider if they offer continuity of care.

\n

\u00b7 If you are switching to a new provider, make sure they are familiar with your medical history.

\n

\u00b7 If you are switching from an in-network provider to an out-of-network provider, make sure you understand what that means for your coverage.

\n

\u00b7 Make sure you keep all of your medical records up to date.

\n

Continuity of care is an important factor to consider when selecting a provider. Northwind Health Plus offers coverage for continuity of care, so you may be able to continue seeing the same provider without having to switch to a different provider in the network. However, there are some exceptions to the continuity of care rule, so it's important to understand what those are. By following these tips, you can ensure you have the best possible coverage and ensure continuity of care.

\n

Non-Participating HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to health care, the provider you choose can have a major impact on your costs. With Northwind Health Plus, you have the option to choose from a variety of in- network providers. However, if you choose to go outside of the network, you may incur additional costs.

\n

Non-Participating Providers

\n

Non-participating providers are providers that are not in-network with Northwind Health Plus. When you visit a provider that is not in-network, you will be responsible for the entire cost of the care. This means that, if you choose to visit a provider who is not in-network, you will have to pay the entire cost of the service out-of-pocket.

Exceptions

\n

There are some exceptions to this rule. If you are traveling outside of the United States and you cannot find an in-network provider, you may be able to visit a non-participating provider and Northwind Health Plus may cover a portion of the cost. Additionally, if you are in a life-threatening situation and need to go to the nearest hospital, Northwind Health Plus may provide coverage for the care received.

\n

Tips

", "latency": 7.108895, "response_length": 842} +{"query": "When is Open Enrollment?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.256126, "response_length": 100} +{"query": "What benefits are available to employees?", "ground_truth": "Employees have access to a variety of benefits, including:\n\n1. **Workers' Compensation Insurance**: This provides compensation for medical and wage loss expenses if an employee is injured or becomes ill due to job-related activities. It covers medical and hospital care, prescription drugs, medical appliances, and other related services. Wage loss benefits include compensation for the time the employee is unable to work due to the injury or illness. However, it does not cover personal injuries unrelated to job duties or injuries resulting from illegal activities [doc1].\n\n2. **Health Insurance**: Employees are protected under various health insurance regulations such as ERISA, COBRA, HIPAA, and the Affordable Care Act (ACA). These regulations ensure minimum standards for health plans, the right to continue health coverage after job loss, protection from discrimination, and the provision of minimum essential coverage [doc2].\n\n3. **Wellbeing and Hybrid Work**: Microsoft offers a differentiated benefits package that includes physical, emotional, and financial wellness programs. This includes counseling through the Microsoft CARES Employee Assistance Program, mental wellbeing support, flexible fitness benefits, disability accommodations, savings and investment tools, adoption assistance, and back-up care for children and elders. Additionally, Microsoft provides guidance and support for hybrid work scenarios, allowing flexibility in work location, work site, and work hours [doc3][doc4][doc5].\n\n4. **Learning and Development**: Employees have access to a range of learning opportunities, including personalized learning portals, in-classroom learning, required compliance and company culture training, on-the-job advancement opportunities, and manager coaching. Microsoft also provides customized manager learning, new employee orientation, and tools for operating in a flexible hybrid work environment. All employees globally access the Viva Learning tool for both required and personal choice learning [doc6][doc7][doc8].", "context": "Northwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A23Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A23Z&ske=2025-05-20T12%3A05%3A23Z&sks=b&skv=2024-05-04&sig=avP5q2uQl0%2BGF8Yu55iBck8mltFKwXCUCdQnShNbY2U%3D)\n\n\n

\u00b7 Be sure to keep all receipts and paperwork related to your mastectomy and post- mastectomy procedures. This can help to ensure that you are being properly reimbursed for your care.

\n

. If you have any questions or concerns about your coverage, contact your Northwind Health Plus plan administrator.

\n

Workers' Compensation Insurance OTHER INFORMATION ABOUT THIS PLAN:

\n

Workers' Compensation Insurance

\n

Employees of Contoso are protected by Northwind Health Plus's Workers' Compensation Insurance. This insurance provides compensation for medical and wage loss expenses should an employee be injured or become ill as a result of their job duties.

\n

When an employee is injured or becomes ill due to job-related activities, they are entitled to receive medical and wage loss benefits. The medical benefits may include medical and hospital care, prescription drugs, medical appliances, and other related services. Wage loss

benefits include compensation for the time that the employee is unable to work due to the injury or illness.

\n

It is important to note that Workers' Compensation Insurance does not cover personal injuries that are not related to an employee's job duties, such as an injury resulting from a car accident. Also, if an employee is injured while engaging in illegal activities, they are not eligible for Workers' Compensation Insurance coverage.

\n

Employees should report any injuries or illnesses to their supervisor as soon as possible in order to ensure that their claim is handled in a timely manner. Employees should also be aware that their employer must have the appropriate paperwork on file in order for them to be eligible for Workers' Compensation Insurance coverage.

\n

In some cases, an employee may be able to receive additional benefits beyond what is provided by Workers' Compensation Insurance. These benefits may include disability benefits, unemployment benefits, or Social Security benefits. It is important for employees to research these options in order to determine if they are eligible for any additional benefits.

\n

When an employee is injured or becomes ill, they should contact the Workers' Compensation Insurance provider immediately. The provider will provide the employee with information on the process and how to file a claim. The provider may also provide additional resources to help the employee understand their rights and responsibilities.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A23Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A23Z&ske=2025-05-20T12%3A05%3A23Z&sks=b&skv=2024-05-04&sig=avP5q2uQl0%2BGF8Yu55iBck8mltFKwXCUCdQnShNbY2U%3D)\n\n\n

ERISA Requirements

\n

The Employee Retirement Income Security Act of 1974 (ERISA) sets minimum standards for pension and health plans in private industry. Northwind Standard meets the requirements established by ERISA, including providing employees with a Summary Plan Description and an annual report.

\n

COBRA

\n

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees and their families the right to continue their health coverage after a job loss or other qualifying event. Northwind Standard meets the requirements established by COBRA, including providing employees with information about their right to continue coverage and the cost of such coverage.

\n

HIPAA

\n

The Health Insurance Portability and Accountability Act (HIPAA) sets standards for health insurance plans to protect employees from discrimination and to protect the privacy of their health information. Northwind Standard meets the requirements established by HIPAA, including the provision of special enrollment rights to employees who have experienced a qualifying event.

\n

Affordable Care Act

\n

The Affordable Care Act (ACA) requires employers to offer minimum essential coverage to their employees or face a penalty. Northwind Standard meets the requirements established by the ACA and provides minimum essential coverage to all eligible employees.

\n

Tips For Employees

\n

Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. Here are a few tips employees should keep in mind:

\n

\u00b7 Be aware of the terms of your health plan: it's important to understand how your plan works and what it covers.

\n

\u00b7 Keep track of any changes to the plan: employers are required to provide employees with notice of any material changes to the plan.

\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A05%3A23Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A23Z&ske=2025-05-20T12%3A05%3A23Z&sks=b&skv=2024-05-04&sig=avP5q2uQl0%2BGF8Yu55iBck8mltFKwXCUCdQnShNbY2U%3D)\n\n\n

Our intended result is a global performance and development approach that fosters our culture, and competitive compensation that ensures equitable pay by role while supporting pay for performance.

\n

Wellbeing and Hybrid Work

\n

Microsoft is committed to supporting our employees\u2019 wellbeing while they are at work and in their personal lives. We have invested significantly in wellbeing, and offer a differentiated benefits package which includes many physical, emotional, and financial wellness programs including counseling through the Microsoft CARES Employee Assistance Program, mental wellbeing support, flexible fitness benefits, disability accommodations, savings and investment tools, adoption assistance, and back-up care for children and elders. Finally, our Occupational Health and Safety program helps ensure employees can stay safe while they are working.

\n

We introduced Hybrid Workplace Flexibility Guidance to better support leaders, managers, and employees in hybrid work scenarios. Our ongoing survey data shows that 93% of employees value the flexibility related to work location, work site, and work hours, and 78% are satisfied with the quality of connection with co-workers. There is no one-size-fits-all approach to flexible work at Microsoft. As a company, we will continue to leverage data and research to inform decision making, balancing the needs of business, team, and individual.

\n

Learning and Development

\n

We offer a range of learning opportunities, including personalized opportunities on our internal and external learning portals, in-classroom learning, required learning on compliance and company culture, on-the-job advancement opportunities, and manager coaching. We also provide customized manager learning, new employee orientation, and tools for operating in a flexible hybrid work environment.

\n

All Microsoft employees globally access our single Viva Learning tool for both required and personal choice learning. This includes courses focused on our core principles and compliance matters, such as Business Conduct, Privacy, Security Foundations, and Harassment Prevention. We also deliver skills training for employees based on their profession and role discipline.

\n

We have over 27,000 people managers, all of whom must complete between 20-33 hours of compulsory training on leadership and management and are assigned additional targeted training on an ongoing basis related to people management, compliance, and culture.

\n

OPERATING SEGMENTS

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A05%3A24Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A24Z&ske=2025-05-20T12%3A05%3A24Z&sks=b&skv=2024-05-04&sig=ZQlVbba5TK/zPkF%2B5mb3Ah90OEqzStZ8U/KgZJsbQtc%3D)\n\n\n

Our intended result is a global performance and development approach that fosters our culture, and competitive compensation that ensures equitable pay by role while supporting pay for performance.

\n

Wellbeing and Hybrid Work

\n

Microsoft is committed to supporting our employees\u2019 wellbeing while they are at work and in their personal lives. We have invested significantly in wellbeing, and offer a differentiated benefits package which includes many physical, emotional, and financial wellness programs including counseling through the Microsoft CARES Employee Assistance Program, mental wellbeing support, flexible fitness benefits, disability accommodations, savings and investment tools, adoption assistance, and back-up care for children and elders. Finally, our Occupational Health and Safety program helps ensure employees can stay safe while they are working.

\n

We introduced Hybrid Workplace Flexibility Guidance to better support leaders, managers, and employees in hybrid work scenarios. Our ongoing survey data shows that 93% of employees value the flexibility related to work location, work site, and work hours, and 78% are satisfied with the quality of connection with co-workers. There is no one-size-fits-all approach to flexible work at Microsoft. As a company, we will continue to leverage data and research to inform decision making, balancing the needs of business, team, and individual.

\n

Learning and Development

\n

We offer a range of learning opportunities, including personalized opportunities on our internal and external learning portals, in-classroom learning, required learning on compliance and company culture, on-the-job advancement opportunities, and manager coaching. We also provide customized manager learning, new employee orientation, and tools for operating in a flexible hybrid work environment.

\n

All Microsoft employees globally access our single Viva Learning tool for both required and personal choice learning. This includes courses focused on our core principles and compliance matters, such as Business Conduct, Privacy, Security Foundations, and Harassment Prevention. We also deliver skills training for employees based on their profession and role discipline.

\n

We have over 27,000 people managers, all of whom must complete between 20-33 hours of compulsory training on leadership and management and are assigned additional targeted training on an ongoing basis related to people management, compliance, and culture.

\n

OPERATING SEGMENTS

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A05%3A24Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A24Z&ske=2025-05-20T12%3A05%3A24Z&sks=b&skv=2024-05-04&sig=ZQlVbba5TK/zPkF%2B5mb3Ah90OEqzStZ8U/KgZJsbQtc%3D)\n\n\n

Our intended result is a global performance and development approach that fosters our culture, and competitive compensation that ensures equitable pay by role while supporting pay for performance.

\n

Wellbeing and Hybrid Work

\n

Microsoft is committed to supporting our employees\u2019 wellbeing while they are at work and in their personal lives. We have invested significantly in wellbeing, and offer a differentiated benefits package which includes many physical, emotional, and financial wellness programs including counseling through the Microsoft CARES Employee Assistance Program, mental wellbeing support, flexible fitness benefits, disability accommodations, savings and investment tools, adoption assistance, and back-up care for children and elders. Finally, our Occupational Health and Safety program helps ensure employees can stay safe while they are working.

\n

We introduced Hybrid Workplace Flexibility Guidance to better support leaders, managers, and employees in hybrid work scenarios. Our ongoing survey data shows that 93% of employees value the flexibility related to work location, work site, and work hours, and 78% are satisfied with the quality of connection with co-workers. There is no one-size-fits-all approach to flexible work at Microsoft. As a company, we will continue to leverage data and research to inform decision making, balancing the needs of business, team, and individual.

\n

Learning and Development

\n

We offer a range of learning opportunities, including personalized opportunities on our internal and external learning portals, in-classroom learning, required learning on compliance and company culture, on-the-job advancement opportunities, and manager coaching. We also provide customized manager learning, new employee orientation, and tools for operating in a flexible hybrid work environment.

\n

All Microsoft employees globally access our single Viva Learning tool for both required and personal choice learning. This includes courses focused on our core principles and compliance matters, such as Business Conduct, Privacy, Security Foundations, and Harassment Prevention. We also deliver skills training for employees based on their profession and role discipline.

\n

We have over 27,000 people managers, all of whom must complete between 20-33 hours of compulsory training on leadership and management and are assigned additional targeted training on an ongoing basis related to people management, compliance, and culture.

\n

OPERATING SEGMENTS

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A05%3A24Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A24Z&ske=2025-05-20T12%3A05%3A24Z&sks=b&skv=2024-05-04&sig=ZQlVbba5TK/zPkF%2B5mb3Ah90OEqzStZ8U/KgZJsbQtc%3D)\n\n\n

Our intended result is a global performance and development approach that fosters our culture, and competitive compensation that ensures equitable pay by role while supporting pay for performance.

\n

Wellbeing and Hybrid Work

\n

Microsoft is committed to supporting our employees\u2019 wellbeing while they are at work and in their personal lives. We have invested significantly in wellbeing, and offer a differentiated benefits package which includes many physical, emotional, and financial wellness programs including counseling through the Microsoft CARES Employee Assistance Program, mental wellbeing support, flexible fitness benefits, disability accommodations, savings and investment tools, adoption assistance, and back-up care for children and elders. Finally, our Occupational Health and Safety program helps ensure employees can stay safe while they are working.

\n

We introduced Hybrid Workplace Flexibility Guidance to better support leaders, managers, and employees in hybrid work scenarios. Our ongoing survey data shows that 93% of employees value the flexibility related to work location, work site, and work hours, and 78% are satisfied with the quality of connection with co-workers. There is no one-size-fits-all approach to flexible work at Microsoft. As a company, we will continue to leverage data and research to inform decision making, balancing the needs of business, team, and individual.

\n

Learning and Development

\n

We offer a range of learning opportunities, including personalized opportunities on our internal and external learning portals, in-classroom learning, required learning on compliance and company culture, on-the-job advancement opportunities, and manager coaching. We also provide customized manager learning, new employee orientation, and tools for operating in a flexible hybrid work environment.

\n

All Microsoft employees globally access our single Viva Learning tool for both required and personal choice learning. This includes courses focused on our core principles and compliance matters, such as Business Conduct, Privacy, Security Foundations, and Harassment Prevention. We also deliver skills training for employees based on their profession and role discipline.

\n

We have over 27,000 people managers, all of whom must complete between 20-33 hours of compulsory training on leadership and management and are assigned additional targeted training on an ongoing basis related to people management, compliance, and culture.

\n

OPERATING SEGMENTS

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A05%3A24Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A24Z&ske=2025-05-20T12%3A05%3A24Z&sks=b&skv=2024-05-04&sig=ZQlVbba5TK/zPkF%2B5mb3Ah90OEqzStZ8U/KgZJsbQtc%3D)\n\n\n

Our intended result is a global performance and development approach that fosters our culture, and competitive compensation that ensures equitable pay by role while supporting pay for performance.

\n

Wellbeing and Hybrid Work

\n

Microsoft is committed to supporting our employees\u2019 wellbeing while they are at work and in their personal lives. We have invested significantly in wellbeing, and offer a differentiated benefits package which includes many physical, emotional, and financial wellness programs including counseling through the Microsoft CARES Employee Assistance Program, mental wellbeing support, flexible fitness benefits, disability accommodations, savings and investment tools, adoption assistance, and back-up care for children and elders. Finally, our Occupational Health and Safety program helps ensure employees can stay safe while they are working.

\n

We introduced Hybrid Workplace Flexibility Guidance to better support leaders, managers, and employees in hybrid work scenarios. Our ongoing survey data shows that 93% of employees value the flexibility related to work location, work site, and work hours, and 78% are satisfied with the quality of connection with co-workers. There is no one-size-fits-all approach to flexible work at Microsoft. As a company, we will continue to leverage data and research to inform decision making, balancing the needs of business, team, and individual.

\n

Learning and Development

\n

We offer a range of learning opportunities, including personalized opportunities on our internal and external learning portals, in-classroom learning, required learning on compliance and company culture, on-the-job advancement opportunities, and manager coaching. We also provide customized manager learning, new employee orientation, and tools for operating in a flexible hybrid work environment.

\n

All Microsoft employees globally access our single Viva Learning tool for both required and personal choice learning. This includes courses focused on our core principles and compliance matters, such as Business Conduct, Privacy, Security Foundations, and Harassment Prevention. We also deliver skills training for employees based on their profession and role discipline.

\n

We have over 27,000 people managers, all of whom must complete between 20-33 hours of compulsory training on leadership and management and are assigned additional targeted training on an ongoing basis related to people management, compliance, and culture.

\n

OPERATING SEGMENTS

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A05%3A25Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A24Z&ske=2025-05-20T12%3A05%3A24Z&sks=b&skv=2024-05-04&sig=6QVLQSxeV/ySeN0CFn7PLBtIrvr1VpO6enq8viUp5rA%3D)\n\n\n

Our intended result is a global performance and development approach that fosters our culture, and competitive compensation that ensures equitable pay by role while supporting pay for performance.

\n

Wellbeing and Hybrid Work

\n

Microsoft is committed to supporting our employees\u2019 wellbeing while they are at work and in their personal lives. We have invested significantly in wellbeing, and offer a differentiated benefits package which includes many physical, emotional, and financial wellness programs including counseling through the Microsoft CARES Employee Assistance Program, mental wellbeing support, flexible fitness benefits, disability accommodations, savings and investment tools, adoption assistance, and back-up care for children and elders. Finally, our Occupational Health and Safety program helps ensure employees can stay safe while they are working.

\n

We introduced Hybrid Workplace Flexibility Guidance to better support leaders, managers, and employees in hybrid work scenarios. Our ongoing survey data shows that 93% of employees value the flexibility related to work location, work site, and work hours, and 78% are satisfied with the quality of connection with co-workers. There is no one-size-fits-all approach to flexible work at Microsoft. As a company, we will continue to leverage data and research to inform decision making, balancing the needs of business, team, and individual.

\n

Learning and Development

\n

We offer a range of learning opportunities, including personalized opportunities on our internal and external learning portals, in-classroom learning, required learning on compliance and company culture, on-the-job advancement opportunities, and manager coaching. We also provide customized manager learning, new employee orientation, and tools for operating in a flexible hybrid work environment.

\n

All Microsoft employees globally access our single Viva Learning tool for both required and personal choice learning. This includes courses focused on our core principles and compliance matters, such as Business Conduct, Privacy, Security Foundations, and Harassment Prevention. We also deliver skills training for employees based on their profession and role discipline.

\n

We have over 27,000 people managers, all of whom must complete between 20-33 hours of compulsory training on leadership and management and are assigned additional targeted training on an ongoing basis related to people management, compliance, and culture.

\n

OPERATING SEGMENTS

", "latency": 9.815772, "response_length": 2040} +{"query": "Where do I go to enroll in retirement benefits?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 15.44908, "response_length": 100} +{"query": "What benefits are available to my spouse as an employee at this company?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.167192, "response_length": 100} +{"query": "What's the difference in benefits between an HSA and FSA?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.032895, "response_length": 100} +{"query": "Which benefits am I eligible for?", "ground_truth": "Under the Northwind Standard plan, you are eligible for a variety of benefits, including:\n\n1. **Medical, Vision, and Dental Services**: The plan provides coverage for these services, including preventive care and prescription drug coverage [doc1][doc2].\n2. **In-Network Providers**: You can receive services from primary care physicians, specialists, hospitals, and pharmacies that are part of the in-network providers [doc3][doc4].\n3. **Preventive Services**: These services are covered without cost sharing [doc5].\n4. **Prescription Drugs**: Coverage for prescription medications is included [doc6][doc7].\n\nHowever, there are some exceptions and limitations to the coverage:\n\n1. **Emergency Services**: These are not covered under the Northwind Standard plan [doc8][doc9].\n2. **Mental Health and Substance Abuse Services**: These services are also not covered [doc10][doc11].\n3. **Out-of-Network Services**: Services received from out-of-network providers are not covered [doc12][doc13].\n\nAdditionally, if you have other health care coverage, you may be able to coordinate benefits with those plans to reduce your out-of-pocket costs [doc14].", "context": "Northwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A56Z&ske=2025-05-20T12%3A05%3A56Z&sks=b&skv=2024-05-04&sig=6MRFWehjVIrSy25GyNtYg7D3qs3aurdQn6azvEJ81l8%3D)\n\n\n

In addition, there are some services that are not eligible for the right of recovery. These include services related to mental health and substance abuse, emergency services, inpatient services, and any services that are not covered under the Northwind Standard plan.

\n

It is also important to note that the right of recovery is only applicable to services that were paid for by the insured, and not by any other third party. This includes family members, friends, employers, or other insurance plans.

\n

Employees should keep in mind that the right of recovery is subject to the terms and conditions of the Northwind Standard plan. Therefore, it is important to read the plan documents in detail to understand any additional exclusions or limitations of the right of recovery.

\n

To take advantage of the right of recovery, employees should submit a claim to the insurance company with all of the relevant details and documentation. This should include a copy of the bill for the service, proof of payment, and any other documentation that may be required.

\n

The Northwind Standard plan's right of recovery is a great feature that can help employees save time and money. It is important to be aware of the conditions and exceptions associated with this right, as well as any additional documentation that may be required. By understanding the right of recovery and following the steps outlined above, employees can take advantage of this great feature and be reimbursed for services that were already paid for.

\n

Right To And Payment Of Benefits OTHER INFORMATION ABOUT THIS PLAN: Right To And Payment Of Benefits

\n

The Northwind Standard plan is a comprehensive health plan that provides coverage for medical, vision, and dental services. It also includes preventive care services and prescription drug coverage. Northwind Standard offers a variety of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies.

Under this plan, Northwind Health will cover the cost of eligible services you receive, as long as you follow certain rules. Some services may require pre-authorization or be subject to an annual deductible or coinsurance. Northwind Health is also responsible for processing and paying claims correctly.

\n

Right to Benefits

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A56Z&ske=2025-05-20T12%3A05%3A56Z&sks=b&skv=2024-05-04&sig=6MRFWehjVIrSy25GyNtYg7D3qs3aurdQn6azvEJ81l8%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A56Z&ske=2025-05-20T12%3A05%3A56Z&sks=b&skv=2024-05-04&sig=6MRFWehjVIrSy25GyNtYg7D3qs3aurdQn6azvEJ81l8%3D)\n\n\n

In addition, there are some services that are not eligible for the right of recovery. These include services related to mental health and substance abuse, emergency services, inpatient services, and any services that are not covered under the Northwind Standard plan.

\n

It is also important to note that the right of recovery is only applicable to services that were paid for by the insured, and not by any other third party. This includes family members, friends, employers, or other insurance plans.

\n

Employees should keep in mind that the right of recovery is subject to the terms and conditions of the Northwind Standard plan. Therefore, it is important to read the plan documents in detail to understand any additional exclusions or limitations of the right of recovery.

\n

To take advantage of the right of recovery, employees should submit a claim to the insurance company with all of the relevant details and documentation. This should include a copy of the bill for the service, proof of payment, and any other documentation that may be required.

\n

The Northwind Standard plan's right of recovery is a great feature that can help employees save time and money. It is important to be aware of the conditions and exceptions associated with this right, as well as any additional documentation that may be required. By understanding the right of recovery and following the steps outlined above, employees can take advantage of this great feature and be reimbursed for services that were already paid for.

\n

Right To And Payment Of Benefits OTHER INFORMATION ABOUT THIS PLAN: Right To And Payment Of Benefits

\n

The Northwind Standard plan is a comprehensive health plan that provides coverage for medical, vision, and dental services. It also includes preventive care services and prescription drug coverage. Northwind Standard offers a variety of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies.

Under this plan, Northwind Health will cover the cost of eligible services you receive, as long as you follow certain rules. Some services may require pre-authorization or be subject to an annual deductible or coinsurance. Northwind Health is also responsible for processing and paying claims correctly.

\n

Right to Benefits

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A57Z&ske=2025-05-20T12%3A05%3A57Z&sks=b&skv=2024-05-04&sig=bIyURkBRE7QX8Um47CVQtHuOy7q79plFD/EEa%2BwI9W8%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A57Z&ske=2025-05-20T12%3A05%3A57Z&sks=b&skv=2024-05-04&sig=bIyURkBRE7QX8Um47CVQtHuOy7q79plFD/EEa%2BwI9W8%3D)\n\n\n

Under the ACA, Northwind Health Plus must provide essential health benefits, such as ambulatory patient services, hospitalization, maternity and newborn care, preventive and wellness services, mental health and substance abuse services, and prescription drugs. The plan also must provide coverage for preventive services without cost sharing.

\n

Under MHPAEA, the plan must provide comparable benefits for mental health and substance abuse services as it does for medical and surgical benefits. This includes covering services that are medically necessary, such as inpatient and outpatient services, medication management, and psychological and psychosocial therapies.

\n

It is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

\n

Finally, it is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

Tips for Employees:

\n

1. Read your Summary Plan Description (SPD) carefully to understand the benefits available to you under Northwind Health Plus.

\n

2. Familiarize yourself with the applicable laws and regulations, such as ERISA, the Affordable Care Act (ACA), and the Mental Health Parity and Addiction Equity Act (MHPAEA).

\n

3. Be aware of the coverage and limits your plan provides.

\n

4. Be aware of any exclusions or exceptions that may apply to your plan.

\n

5. If you feel you have been discriminated against, contact the Department of Labor.

\n

By understanding the applicable laws and regulations and the coverage and limits of your plan, you can ensure that you are getting the most out of your Northwind Health Plus benefits.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN - Entire Contract

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A57Z&ske=2025-05-20T12%3A05%3A57Z&sks=b&skv=2024-05-04&sig=bIyURkBRE7QX8Um47CVQtHuOy7q79plFD/EEa%2BwI9W8%3D)\n\n\n

In addition, there are some services that are not eligible for the right of recovery. These include services related to mental health and substance abuse, emergency services, inpatient services, and any services that are not covered under the Northwind Standard plan.

\n

It is also important to note that the right of recovery is only applicable to services that were paid for by the insured, and not by any other third party. This includes family members, friends, employers, or other insurance plans.

\n

Employees should keep in mind that the right of recovery is subject to the terms and conditions of the Northwind Standard plan. Therefore, it is important to read the plan documents in detail to understand any additional exclusions or limitations of the right of recovery.

\n

To take advantage of the right of recovery, employees should submit a claim to the insurance company with all of the relevant details and documentation. This should include a copy of the bill for the service, proof of payment, and any other documentation that may be required.

\n

The Northwind Standard plan's right of recovery is a great feature that can help employees save time and money. It is important to be aware of the conditions and exceptions associated with this right, as well as any additional documentation that may be required. By understanding the right of recovery and following the steps outlined above, employees can take advantage of this great feature and be reimbursed for services that were already paid for.

\n

Right To And Payment Of Benefits OTHER INFORMATION ABOUT THIS PLAN: Right To And Payment Of Benefits

\n

The Northwind Standard plan is a comprehensive health plan that provides coverage for medical, vision, and dental services. It also includes preventive care services and prescription drug coverage. Northwind Standard offers a variety of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies.

Under this plan, Northwind Health will cover the cost of eligible services you receive, as long as you follow certain rules. Some services may require pre-authorization or be subject to an annual deductible or coinsurance. Northwind Health is also responsible for processing and paying claims correctly.

\n

Right to Benefits

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A57Z&ske=2025-05-20T12%3A05%3A57Z&sks=b&skv=2024-05-04&sig=bIyURkBRE7QX8Um47CVQtHuOy7q79plFD/EEa%2BwI9W8%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A58Z&ske=2025-05-20T12%3A05%3A58Z&sks=b&skv=2024-05-04&sig=j8gGdPK1JvPCVtnZoPtQsweW2/4MSo3XWSB/eiHV5sc%3D)\n\n\n

Right to Benefits

\n

You have the right to receive the benefits available under the Northwind Standard plan. This includes the right to receive services from any in-network provider, subject to certain rules and regulations. You also have the right to be informed about the types of services that are covered and the costs associated with them.

\n

Payment of Benefits

\n

Northwind Health is responsible for paying claims correctly. They will do this by determining your eligibility, obtaining pre-authorization for services when required, and paying for eligible services based on the terms of the plan. Northwind Health will also provide you with an explanation of benefits (EOB) after they process a claim. The EOB will outline the services that were provided, the amount of the claim, and the amount that was paid by Northwind Health.

\n

Exceptions

\n

Northwind Standard does not cover emergency services, mental health and substance abuse services, or out-of-network services.

\n

Tips

\n

Before receiving any services, make sure to check with Northwind Health to determine if the service is covered and if pre-authorization is required. Additionally, Northwind Health will provide you with an EOB after they process a claim. Make sure to review the EOB to ensure that the services and amounts are correct.

\n

If you have any questions about your coverage or about the payment of your benefits, contact Northwind Health for assistance. Their customer service team is available to answer any questions you may have.

\n

Venue

\n

OTHER INFORMATION ABOUT THIS PLAN

\n

Venue

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A58Z&ske=2025-05-20T12%3A05%3A58Z&sks=b&skv=2024-05-04&sig=j8gGdPK1JvPCVtnZoPtQsweW2/4MSo3XWSB/eiHV5sc%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A58Z&ske=2025-05-20T12%3A05%3A58Z&sks=b&skv=2024-05-04&sig=j8gGdPK1JvPCVtnZoPtQsweW2/4MSo3XWSB/eiHV5sc%3D)\n\n\n

Right to Benefits

\n

You have the right to receive the benefits available under the Northwind Standard plan. This includes the right to receive services from any in-network provider, subject to certain rules and regulations. You also have the right to be informed about the types of services that are covered and the costs associated with them.

\n

Payment of Benefits

\n

Northwind Health is responsible for paying claims correctly. They will do this by determining your eligibility, obtaining pre-authorization for services when required, and paying for eligible services based on the terms of the plan. Northwind Health will also provide you with an explanation of benefits (EOB) after they process a claim. The EOB will outline the services that were provided, the amount of the claim, and the amount that was paid by Northwind Health.

\n

Exceptions

\n

Northwind Standard does not cover emergency services, mental health and substance abuse services, or out-of-network services.

\n

Tips

\n

Before receiving any services, make sure to check with Northwind Health to determine if the service is covered and if pre-authorization is required. Additionally, Northwind Health will provide you with an EOB after they process a claim. Make sure to review the EOB to ensure that the services and amounts are correct.

\n

If you have any questions about your coverage or about the payment of your benefits, contact Northwind Health for assistance. Their customer service team is available to answer any questions you may have.

\n

Venue

\n

OTHER INFORMATION ABOUT THIS PLAN

\n

Venue

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A58Z&ske=2025-05-20T12%3A05%3A58Z&sks=b&skv=2024-05-04&sig=j8gGdPK1JvPCVtnZoPtQsweW2/4MSo3XWSB/eiHV5sc%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A59Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A59Z&ske=2025-05-20T12%3A05%3A59Z&sks=b&skv=2024-05-04&sig=SawDYcdtCJ4k596cpTA6844aXlPiLrGorgvhfTXPaqs%3D)\n\n\n

Right to Benefits

\n

You have the right to receive the benefits available under the Northwind Standard plan. This includes the right to receive services from any in-network provider, subject to certain rules and regulations. You also have the right to be informed about the types of services that are covered and the costs associated with them.

\n

Payment of Benefits

\n

Northwind Health is responsible for paying claims correctly. They will do this by determining your eligibility, obtaining pre-authorization for services when required, and paying for eligible services based on the terms of the plan. Northwind Health will also provide you with an explanation of benefits (EOB) after they process a claim. The EOB will outline the services that were provided, the amount of the claim, and the amount that was paid by Northwind Health.

\n

Exceptions

\n

Northwind Standard does not cover emergency services, mental health and substance abuse services, or out-of-network services.

\n

Tips

\n

Before receiving any services, make sure to check with Northwind Health to determine if the service is covered and if pre-authorization is required. Additionally, Northwind Health will provide you with an EOB after they process a claim. Make sure to review the EOB to ensure that the services and amounts are correct.

\n

If you have any questions about your coverage or about the payment of your benefits, contact Northwind Health for assistance. Their customer service team is available to answer any questions you may have.

\n

Venue

\n

OTHER INFORMATION ABOUT THIS PLAN

\n

Venue

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A59Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A59Z&ske=2025-05-20T12%3A05%3A59Z&sks=b&skv=2024-05-04&sig=SawDYcdtCJ4k596cpTA6844aXlPiLrGorgvhfTXPaqs%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A05%3A59Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A05%3A59Z&ske=2025-05-20T12%3A05%3A59Z&sks=b&skv=2024-05-04&sig=SawDYcdtCJ4k596cpTA6844aXlPiLrGorgvhfTXPaqs%3D)\n\n\n

WHAT IF I HAVE OTHER COVERAGE?

\n

Coordinating Benefits With Other Health Care Plans WHAT IF I HAVE OTHER COVERAGE?

\n

Coordinating Benefits With Other Health Care Plans

\n

It may be possible to coordinate benefits with other health care plans if you have other coverage. Coordinating benefits allows you to receive payments from each health plan towards covered services, as long as the total amount of payments does not exceed the total charges for the service.

\n

If you have other coverage, such as Medicare or an employer-sponsored health plan, the Northwind Standard plan may be able to coordinate benefits with those plans. This can help reduce your out-of-pocket costs for health care services.

\n

How Do I Coordinate Benefits with Other Plans?

If you have other health care coverage, you should contact the other health care plan(s) to determine how to coordinate benefits. Depending on the plans you have, you may be able to coordinate benefits by filing a claim with both plans.

\n

You will need to provide the other plan with a copy of the Explanation of Benefits (EOB) from the Northwind Health plan. The EOB is a summary of the services you received and how much the Northwind Health plan paid for those services.

\n

When filing a claim with the other health care plan, you may also need to provide a copy of your bill or invoice. The other plan may require additional information as part of the claim process.

\n

You should keep copies of all documentation that you submit to the other plan. This can help you track your claim and follow up with the other plan if there are any delays in processing.

\n

Exceptions

\n

Coordination of benefits with other plans is not available for all types of services. For example, coordination of benefits will not be available for services related to emergency care, mental health and substance abuse treatment, or services received from out-of- network providers.

\n

Tips for Coordinating Benefits

\n

\u00b7 Contact your other health care plan to determine whether you can coordinate benefits and what documentation you need to provide.

", "latency": 10.978764, "response_length": 1144} +{"query": "Are there any waiting periods or conditions that need to be met before I can enroll in certain benefits", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.446517, "response_length": 100} +{"query": "How do I enroll in employee benefits? ", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.172499, "response_length": 100} +{"query": "What is the deadline for enrollment?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.480595, "response_length": 100} +{"query": "Are there any specific forms or online portals I need to use?", "ground_truth": "The retrieved documents do not provide specific information about forms or online portals required for registration or compliance. They do mention that foreign entities must register with the Alabama Secretary of State's Office before transacting business in the state, and that verification of enrollment in the E-verify program is required for vendors employing one or more employees within Alabama. To enroll in the E-verify program, you can visit www.dhs.gov/everify [doc1][doc2][doc3][doc4][doc5].\n\nThe requested information is not available in the retrieved data. Please try another query or topic.", "context": "Master_Agreement_V1 - May: [/documents/Master_Agreement_V1 - May.pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Master_Agreement_V1%20-%20May.pdf?se=2030-05-18T12%3A06%3A18Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A18Z&ske=2025-05-20T12%3A06%3A18Z&sks=b&skv=2024-05-04&sig=7ANdnbyhgx8K3D6LXRDXyd6VR2Aawbv9l7MnJLR7i8c%3D)\n\n\n

Alabama Law requires a foreign entity (an out of state company/firm) to register with the Alabama Secretary of State's Office before transacting business in the State. Code of Alabama Section 10A-1- 7.01 to 7.14.

Item 7 - Beason-Hammon Alabama taxpayer and Citizen Protection Act (Act 2011-535 and as amended by Act 2012- 491):

\n

As a condition for award of this bid, the vendor acknowledges the following: \"By signing this contract, the contracting parties affirm, for the duration of any agreement that they will not violate federal immigration law or knowingly employ, hire for employment, or continue to employ an unauthorized alien within the State of Alabama. Furthermore, a contracting party found to be in violation of this provision shall be deemed in breach of the agreement and shall be responsible for all damages resulting therefrom.\" Verification of enrollment in the E-verify program will be required prior to any award to a vendor who employs one or more employees within the State of Alabama. E-verify documentation should be identified with the bid number and the buyer name. Failure to provide documentation within 5 calendar days of notification will result in the rejection of your bid. To enroll in the E-verify program visit www.dhs.gov/everify.

\n

Item 8 - Certification Pursuant to Act no. 2006-557:

\n\nMaster_Agreement_V1 (1): [/documents/Master_Agreement_V1 (1).pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Master_Agreement_V1%20%281%29.pdf?se=2030-05-18T12%3A06%3A18Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A18Z&ske=2025-05-20T12%3A06%3A18Z&sks=b&skv=2024-05-04&sig=7ANdnbyhgx8K3D6LXRDXyd6VR2Aawbv9l7MnJLR7i8c%3D)\n\n\n

Alabama Law requires a foreign entity (an out of state company/firm) to register with the Alabama Secretary of State's Office before transacting business in the State. Code of Alabama Section 10A-1- 7.01 to 7.14.

Item 7 - Beason-Hammon Alabama taxpayer and Citizen Protection Act (Act 2011-535 and as amended by Act 2012- 491):

\n

As a condition for award of this bid, the vendor acknowledges the following: \"By signing this contract, the contracting parties affirm, for the duration of any agreement that they will not violate federal immigration law or knowingly employ, hire for employment, or continue to employ an unauthorized alien within the State of Alabama. Furthermore, a contracting party found to be in violation of this provision shall be deemed in breach of the agreement and shall be responsible for all damages resulting therefrom.\" Verification of enrollment in the E-verify program will be required prior to any award to a vendor who employs one or more employees within the State of Alabama. E-verify documentation should be identified with the bid number and the buyer name. Failure to provide documentation within 5 calendar days of notification will result in the rejection of your bid. To enroll in the E-verify program visit www.dhs.gov/everify.

\n

Item 8 - Certification Pursuant to Act no. 2006-557:

\n\nMaster_Agreement_OEM_Filters_ALDOT_V1 - OEM filters: [/documents/Master_Agreement_OEM_Filters_ALDOT_V1 - OEM filters.pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Master_Agreement_OEM_Filters_ALDOT_V1%20-%20OEM%20filters.pdf?se=2030-05-18T12%3A06%3A19Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A19Z&ske=2025-05-20T12%3A06%3A19Z&sks=b&skv=2024-05-04&sig=RgRpqW5XMKoXrspyBa0V%2B0O%2BbNa3QMxSdak8wt4fMGk%3D)\n\n\n

Alabama Law requires a foreign entity (an out of state company/firm) to register with the Alabama Secretary of State's Office before transacting business in the State. Code of Alabama Section 10A-1- 7.01 to 7.14.

Item 7 - Beason-Hammon Alabama taxpayer and Citizen Protection Act (Act 2011-535 and as amended by Act 2012- 491):

\n

As a condition for award of this bid, the vendor acknowledges the following: \"By signing this contract, the contracting parties affirm, for the duration of any agreement that they will not violate federal immigration law or knowingly employ, hire for employment, or continue to employ an unauthorized alien within the State of Alabama. Furthermore, a contracting party found to be in violation of this provision shall be deemed in breach of the agreement and shall be responsible for all damages resulting therefrom.\" Verification of enrollment in the E-verify program will be required prior to any award to a vendor who employs one or more employees within the State of Alabama. E-verify documentation should be identified with the bid number and the buyer name. Failure to provide documentation within 5 calendar days of notification will result in the rejection of your bid. To enroll in the E-verify program visit www.dhs.gov/everify.

\n

Item 8 - Certification Pursuant to Act no. 2006-557:

\n\nStatewide_Truck_Chassis_19_000_GVWR_and_Greater-Southland_V1: [/documents/Statewide_Truck_Chassis_19_000_GVWR_and_Greater-Southland_V1.pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Statewide_Truck_Chassis_19_000_GVWR_and_Greater-Southland_V1.pdf?se=2030-05-18T12%3A06%3A19Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A19Z&ske=2025-05-20T12%3A06%3A19Z&sks=b&skv=2024-05-04&sig=RgRpqW5XMKoXrspyBa0V%2B0O%2BbNa3QMxSdak8wt4fMGk%3D)\n\n\n

Alabama Law requires a foreign entity (an out of state company/firm) to register with the Alabama Secretary of State's Office before transacting business in the State. Code of Alabama Section 10A-1- 7.01 to 7.14.

\n

Item 7 - Beason-Hammon Alabama taxpayer and Citizen Protection Act (Act 2011-535 and as amended by Act 2012- 491):

\n

As a condition for award of this bid, the vendor acknowledges the following: \"By signing this contract, the contracting parties affirm, for the duration of any agreement that they will not violate federal immigration law or knowingly employ, hire for employment, or continue to employ an unauthorized alien within the State of Alabama. Furthermore, a contracting party found to be in violation of this provision shall be deemed in breach of the agreement and shall be responsible for all damages resulting therefrom.\" Verification of enrollment in the E-verify program will be required prior to any award to a vendor who employs one or more employees within the State of Alabama. E-verify documentation should be identified with the bid number and the buyer name. Failure to provide documentation within 5 calendar days of notification will result in the rejection of your bid. To enroll in the E-verify program visit www.dhs.gov/everify.

\n

Item 8 - Certification Pursuant to Act no. 2006-557:

\n\nMaster_agreement_2024_V1 products_services: [/documents/Master_agreement_2024_V1 products_services.pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Master_agreement_2024_V1%20products_services.pdf?se=2030-05-18T12%3A06%3A19Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A19Z&ske=2025-05-20T12%3A06%3A19Z&sks=b&skv=2024-05-04&sig=RgRpqW5XMKoXrspyBa0V%2B0O%2BbNa3QMxSdak8wt4fMGk%3D)\n\n\n

Alabama Law requires a foreign entity (an out of state company/firm) to register with the Alabama Secretary of State's Office before transacting business in the State. Code of Alabama Section 10A-1- 7.01 to 7.14.

\n

Item 7 - Beason-Hammon Alabama taxpayer and Citizen Protection Act (Act 2011-535 and as amended by Act 2012- 491):

\n

As a condition for award of this bid, the vendor acknowledges the following: \"By signing this contract, the contracting parties affirm, for the duration of any agreement that they will not violate federal immigration law or knowingly employ, hire for employment, or continue to employ an unauthorized alien within the State of Alabama. Furthermore, a contracting party found to be in violation of this provision shall be deemed in breach of the agreement and shall be responsible for all damages resulting therefrom.\" Verification of enrollment in the E-verify program will be required prior to any award to a vendor who employs one or more employees within the State of Alabama. E-verify documentation should be identified with the bid number and the buyer name. Failure to provide documentation within 5 calendar days of notification will result in the rejection of your bid. To enroll in the E-verify program visit www.dhs.gov/everify.

\n

Item 8 - Certification Pursuant to Act no. 2006-557:

", "latency": 6.624939, "response_length": 604} +{"query": "What specific services or expenses are covered by each benefit?", "ground_truth": "The retrieved documents provide information on the specific services and expenses covered by the Northwind Standard and Northwind Health Plus plans:\n\n### Northwind Standard Plan:\n1. **Medical, Vision, and Dental Services**: The plan provides coverage for these services, but employees are responsible for out-of-pocket costs such as copays, coinsurance, and deductibles [doc1].\n2. **Emergency Services**: These are subject to a copayment and deductible, with the amount varying depending on whether the services are received in-network or out-of-network [doc2].\n3. **Preventive Care Services**: These services, such as immunizations and annual physicals, are covered at 100% with no deductible [doc3].\n4. **Prescription Drugs**: There is a separate prescription drug deductible of $250 per individual and $500 per family [doc4].\n\n### Northwind Health Plus Plan:\n1. **Essential Health Benefits**: Under the ACA, this plan must provide ambulatory patient services, hospitalization, maternity and newborn care, preventive and wellness services, mental health and substance abuse services, and prescription drugs [doc5].\n2. **Preventive Services**: These are covered without cost sharing [doc6].\n3. **Mental Health and Substance Abuse Services**: Under MHPAEA, the plan must provide comparable benefits for these services as it does for medical and surgical benefits, including inpatient and outpatient services, medication management, and psychological and psychosocial therapies [doc7].\n\nThese details help ensure that employees understand the coverage and limits of their respective plans.", "context": "Northwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A27Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A27Z&ske=2025-05-20T12%3A06%3A27Z&sks=b&skv=2024-05-04&sig=ymskdPpf3NpA7z6zN6NAtTWK0frcpokev86mQRBpdOE%3D)\n\n\n

Make sure to keep all of your receipts and bills when you receive a service so that you can review them against your Explanation of Benefits (EOB). This will ensure that you are aware of any balance that may be owed after the Allowed Amount has been applied.

\n

Finally, remember that the Allowed Amount is not a guarantee of payment and that you may be responsible for paying any remaining balance. Therefore, it is important to review your EOB and contact the provider if there are any discrepancies or if you have any questions about the Allowed Amount.

\n

IMPORTANT PLAN INFORMATION

\n

Northwind Standard is a basic plan that provides coverage for medical, vision, and dental services. It's important for employees to understand the details of this plan to ensure that they are taking full advantage of their benefits. The following information will help employees to get the most out of their plan.

\n

Premiums

\n

The premium amount for Northwind Standard is determined by Contoso. Employees are responsible for paying their premiums on time. Premiums are typically deducted from payroll on a pre-determined schedule. If a payment is missed, the employee may be subject to a late fee or other penalties.

\n

Out-of-Pocket Costs

\n

Employees will be responsible for a variety of out-of-pocket costs associated with their Northwind Standard plan. These costs can include copays, coinsurance, and deductibles.

Copays are fixed amounts that are due at the time of each visit. Coinsurance is a percentage of the total cost of a service that is paid by the employee. Deductibles are a fixed amount that must be paid by the employee before the insurance company begins covering the costs of services. It's important for employees to understand what their out-of-pocket costs will be for each type of service to ensure that they are prepared to pay their portion of the bill.

\n

Network Providers

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A27Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A27Z&ske=2025-05-20T12%3A06%3A27Z&sks=b&skv=2024-05-04&sig=ymskdPpf3NpA7z6zN6NAtTWK0frcpokev86mQRBpdOE%3D)\n\n\n

Emergency Services: Emergency services are subject to a copayment and deductible, but the amount can vary depending on whether the services are received in-network or out-of- network.

\n

Tips

\n

\u00b7 Always check to see if a provider is in-network or out-of-network before receiving services.

\u00b7 Ask your doctor about generic drugs if you are prescribed a medication.

\n

\u00b7 Contact Northwind Health if you have any questions about your coverage or benefits. \u00b7 Keep track of your out-of-pocket expenses to ensure you do not exceed the out-of-pocket maximum.

\n

\u00b7 Be aware of any copayments, deductibles, and coinsurance amounts that apply to your health care services.

\n

\u00b7 Take advantage of preventive care services as they are covered at 100% with no out-of- pocket costs.\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A27Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A27Z&ske=2025-05-20T12%3A06%3A27Z&sks=b&skv=2024-05-04&sig=ymskdPpf3NpA7z6zN6NAtTWK0frcpokev86mQRBpdOE%3D)\n\n\n

However, there are some exceptions. For example, preventive care services, such as immunizations and annual physicals, are covered at 100% with no deductible. Additionally, prescription drugs are subject to a separate prescription drug deductible of $250 per individual and $500 per family.

\n

It is important to note that this deductible does not roll over into the next year. This means that you must meet the deductible amount in the current year before your insurance begins to pay. Additionally, the deductible may not apply to all services. For example, you may not be subject to the deductible when you receive in-network emergency services.

\n

Tips for Meeting the Calendar Year Deductible

\n

Meeting your calendar year deductible may seem like a daunting task, but there are a few steps you can take to help ensure that you reach it.

\n

First, take advantage of any preventive care services that are covered at 100%. These services are important for your health, and you can use them to help meet your deductible without paying out of pocket.

\n

Second, use caution when selecting providers. The Northwind Standard plan has a large network of in-network providers, and using these providers will help ensure that you are not paying more than you have to for services.

\n

Third, consider using a health savings account (HSA). An HSA is a tax-advantaged savings account that can be used to pay for qualified medical expenses. Contributions to an HSA are tax-deductible and the funds can be used to help pay for deductibles and other medical costs.

\n

Finally, take advantage of any discount programs that may be available. Many providers offer discounts for cash payments on services, and these can help reduce the amount of money you need to pay out of pocket.

\n

By following these tips, you can make sure that you reach your deductible and take advantage of the full benefits of the Northwind Standard plan.

\n

Coinsurance

\n

IMPORTANT PLAN INFORMATION: Coinsurance

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A27Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A27Z&ske=2025-05-20T12%3A06%3A27Z&sks=b&skv=2024-05-04&sig=ymskdPpf3NpA7z6zN6NAtTWK0frcpokev86mQRBpdOE%3D)\n\n\n

However, there are some exceptions. For example, preventive care services, such as immunizations and annual physicals, are covered at 100% with no deductible. Additionally, prescription drugs are subject to a separate prescription drug deductible of $250 per individual and $500 per family.

\n

It is important to note that this deductible does not roll over into the next year. This means that you must meet the deductible amount in the current year before your insurance begins to pay. Additionally, the deductible may not apply to all services. For example, you may not be subject to the deductible when you receive in-network emergency services.

\n

Tips for Meeting the Calendar Year Deductible

\n

Meeting your calendar year deductible may seem like a daunting task, but there are a few steps you can take to help ensure that you reach it.

\n

First, take advantage of any preventive care services that are covered at 100%. These services are important for your health, and you can use them to help meet your deductible without paying out of pocket.

\n

Second, use caution when selecting providers. The Northwind Standard plan has a large network of in-network providers, and using these providers will help ensure that you are not paying more than you have to for services.

\n

Third, consider using a health savings account (HSA). An HSA is a tax-advantaged savings account that can be used to pay for qualified medical expenses. Contributions to an HSA are tax-deductible and the funds can be used to help pay for deductibles and other medical costs.

\n

Finally, take advantage of any discount programs that may be available. Many providers offer discounts for cash payments on services, and these can help reduce the amount of money you need to pay out of pocket.

\n

By following these tips, you can make sure that you reach your deductible and take advantage of the full benefits of the Northwind Standard plan.

\n

Coinsurance

\n

IMPORTANT PLAN INFORMATION: Coinsurance

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A28Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A28Z&ske=2025-05-20T12%3A06%3A28Z&sks=b&skv=2024-05-04&sig=1ZWsHDb9AzsdrR27UNryEnE%2BFTMPb8BepUU14/mB1Qs%3D)\n\n\n

Under the ACA, Northwind Health Plus must provide essential health benefits, such as ambulatory patient services, hospitalization, maternity and newborn care, preventive and wellness services, mental health and substance abuse services, and prescription drugs. The plan also must provide coverage for preventive services without cost sharing.

\n

Under MHPAEA, the plan must provide comparable benefits for mental health and substance abuse services as it does for medical and surgical benefits. This includes covering services that are medically necessary, such as inpatient and outpatient services, medication management, and psychological and psychosocial therapies.

\n

It is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

\n

Finally, it is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

Tips for Employees:

\n

1. Read your Summary Plan Description (SPD) carefully to understand the benefits available to you under Northwind Health Plus.

\n

2. Familiarize yourself with the applicable laws and regulations, such as ERISA, the Affordable Care Act (ACA), and the Mental Health Parity and Addiction Equity Act (MHPAEA).

\n

3. Be aware of the coverage and limits your plan provides.

\n

4. Be aware of any exclusions or exceptions that may apply to your plan.

\n

5. If you feel you have been discriminated against, contact the Department of Labor.

\n

By understanding the applicable laws and regulations and the coverage and limits of your plan, you can ensure that you are getting the most out of your Northwind Health Plus benefits.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN - Entire Contract

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A28Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A28Z&ske=2025-05-20T12%3A06%3A28Z&sks=b&skv=2024-05-04&sig=1ZWsHDb9AzsdrR27UNryEnE%2BFTMPb8BepUU14/mB1Qs%3D)\n\n\n

Under the ACA, Northwind Health Plus must provide essential health benefits, such as ambulatory patient services, hospitalization, maternity and newborn care, preventive and wellness services, mental health and substance abuse services, and prescription drugs. The plan also must provide coverage for preventive services without cost sharing.

\n

Under MHPAEA, the plan must provide comparable benefits for mental health and substance abuse services as it does for medical and surgical benefits. This includes covering services that are medically necessary, such as inpatient and outpatient services, medication management, and psychological and psychosocial therapies.

\n

It is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

\n

Finally, it is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

Tips for Employees:

\n

1. Read your Summary Plan Description (SPD) carefully to understand the benefits available to you under Northwind Health Plus.

\n

2. Familiarize yourself with the applicable laws and regulations, such as ERISA, the Affordable Care Act (ACA), and the Mental Health Parity and Addiction Equity Act (MHPAEA).

\n

3. Be aware of the coverage and limits your plan provides.

\n

4. Be aware of any exclusions or exceptions that may apply to your plan.

\n

5. If you feel you have been discriminated against, contact the Department of Labor.

\n

By understanding the applicable laws and regulations and the coverage and limits of your plan, you can ensure that you are getting the most out of your Northwind Health Plus benefits.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN - Entire Contract

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A28Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A28Z&ske=2025-05-20T12%3A06%3A28Z&sks=b&skv=2024-05-04&sig=1ZWsHDb9AzsdrR27UNryEnE%2BFTMPb8BepUU14/mB1Qs%3D)\n\n\n

Under the ACA, Northwind Health Plus must provide essential health benefits, such as ambulatory patient services, hospitalization, maternity and newborn care, preventive and wellness services, mental health and substance abuse services, and prescription drugs. The plan also must provide coverage for preventive services without cost sharing.

\n

Under MHPAEA, the plan must provide comparable benefits for mental health and substance abuse services as it does for medical and surgical benefits. This includes covering services that are medically necessary, such as inpatient and outpatient services, medication management, and psychological and psychosocial therapies.

\n

It is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

\n

Finally, it is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

Tips for Employees:

\n

1. Read your Summary Plan Description (SPD) carefully to understand the benefits available to you under Northwind Health Plus.

\n

2. Familiarize yourself with the applicable laws and regulations, such as ERISA, the Affordable Care Act (ACA), and the Mental Health Parity and Addiction Equity Act (MHPAEA).

\n

3. Be aware of the coverage and limits your plan provides.

\n

4. Be aware of any exclusions or exceptions that may apply to your plan.

\n

5. If you feel you have been discriminated against, contact the Department of Labor.

\n

By understanding the applicable laws and regulations and the coverage and limits of your plan, you can ensure that you are getting the most out of your Northwind Health Plus benefits.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN - Entire Contract

", "latency": 9.298446, "response_length": 1588} +{"query": "Are there any limitations, exclusions, or restrictions I should be aware of?", "ground_truth": "Yes, there are several limitations, exclusions, and restrictions you should be aware of regarding Northwind Health Plus:\n\n1. **Service Restrictions**: Northwind Health Plus may have restrictions on certain services or treatments. It is important to read the plan's Summary of Benefits and Coverage (SBC) for a complete description of the plan's coverage, benefits, and limitations [doc1].\n\n2. **Member Responsibilities**: Members are required to cooperate with the plan and use services in the most cost-effective manner. This includes using in-network providers, obtaining pre-authorization when required, using generic medications, and following the plan's rules for referrals and second opinions [doc2].\n\n3. **Exclusions**: The plan does not cover mental health or substance abuse treatment services provided by non-network providers or any services that are not medically necessary. Preventive care services provided by non-network providers are also not covered [doc3].\n\n4. **Coordination with Other Coverage**: If you have other health care coverage, such as Medicare or a health plan from another employer, you may need to coordinate benefits with Northwind Health Plus. Failure to notify Northwind Health of changes in your coverage status may result in you being responsible for charges that Northwind Health would have paid [doc4].\n\n5. **Geographic Restrictions**: Coverage is subject to state and geographic restrictions and is available for members in specific states, including Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, Tennessee, and Texas [doc5].\n\n6. **Transportation Coverage**: There are specific criteria for transportation coverage, such as having no access to other transportation and having a medical condition that requires transportation. There are also exceptions, such as transportation to and from non-participating providers or facilities outside the service area [doc6].\n\nBy understanding these limitations, exclusions, and restrictions, you can ensure that you are using your Northwind Health Plus plan effectively and avoid unexpected costs.", "context": "Northwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A37Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A37Z&ske=2025-05-20T12%3A06%3A37Z&sks=b&skv=2024-05-04&sig=n8GD2Ock078DIT95DKw%2BF18ydxe/9liwMtCUCIHz%2B04%3D)\n\n\n

It's also important to remember that Northwind Health Plus may have restrictions on certain services or treatments. Be sure to read the plan's Summary of Benefits and Coverage (SBC) for a complete description of the plan's coverage, benefits, and limitations.

\n

If you become aware of any intentionally false or misleading statements about Northwind Health Plus, be sure to report it to the plan administrator immediately. You can also contact the North Carolina Department of Insurance to file a complaint.

\n

It's important to remember that Northwind Health Plus is a complex plan and you should always ask questions and read all materials carefully before making any decisions. It's important to be aware of the coverage that is available to you, as well as any restrictions or limitations. Be sure to contact the plan administrator if you have any questions or concerns.

\n

Member Cooperation MEMBER COOPERATION

Northwind Health Plus requires that members cooperate with their plan and use the services covered by the plan in the most cost-effective manner. This includes following the rules and regulations of the plan and using services in the most appropriate and beneficial way.

\n

It is the members' responsibility to make sure they are using the plan in the most cost- effective manner. This includes understanding the plan's benefits and coverage including any limitations, exclusions, and exceptions. Members are expected to use in-network providers and to get pre-authorization or prior approval when required by the plan. Members must also use generic medications when available, and they must also follow the plan's rules for referrals and second opinions.

\n

Members are also expected to provide accurate information to Northwind Health Plus and the plan's providers. This includes medical history, current medical condition, and any other information that is requested by the plan or providers. Failing to provide accurate information can result in the denial of coverage or benefits.

\n

In addition, members must keep the plan informed of any changes in their contact information or other personal information. This includes changes in address, phone number, and insurance coverage.

\n

EXCEPTIONS

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A38Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A37Z&ske=2025-05-20T12%3A06%3A37Z&sks=b&skv=2024-05-04&sig=W9uSEPR7/MFuAns8zULWjN0NaB1wAiK4RBcPIFYjT/U%3D)\n\n\n

It's also important to remember that Northwind Health Plus may have restrictions on certain services or treatments. Be sure to read the plan's Summary of Benefits and Coverage (SBC) for a complete description of the plan's coverage, benefits, and limitations.

\n

If you become aware of any intentionally false or misleading statements about Northwind Health Plus, be sure to report it to the plan administrator immediately. You can also contact the North Carolina Department of Insurance to file a complaint.

\n

It's important to remember that Northwind Health Plus is a complex plan and you should always ask questions and read all materials carefully before making any decisions. It's important to be aware of the coverage that is available to you, as well as any restrictions or limitations. Be sure to contact the plan administrator if you have any questions or concerns.

\n

Member Cooperation MEMBER COOPERATION

Northwind Health Plus requires that members cooperate with their plan and use the services covered by the plan in the most cost-effective manner. This includes following the rules and regulations of the plan and using services in the most appropriate and beneficial way.

\n

It is the members' responsibility to make sure they are using the plan in the most cost- effective manner. This includes understanding the plan's benefits and coverage including any limitations, exclusions, and exceptions. Members are expected to use in-network providers and to get pre-authorization or prior approval when required by the plan. Members must also use generic medications when available, and they must also follow the plan's rules for referrals and second opinions.

\n

Members are also expected to provide accurate information to Northwind Health Plus and the plan's providers. This includes medical history, current medical condition, and any other information that is requested by the plan or providers. Failing to provide accurate information can result in the denial of coverage or benefits.

\n

In addition, members must keep the plan informed of any changes in their contact information or other personal information. This includes changes in address, phone number, and insurance coverage.

\n

EXCEPTIONS

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A38Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A38Z&ske=2025-05-20T12%3A06%3A38Z&sks=b&skv=2024-05-04&sig=bvb0MvVwUvY8rbNskjcKITVWfqxNCGccQmXz%2B/JJ3Us%3D)\n\n\n

Mental Health and Substance Abuse Treatment: The plan does not cover mental health or substance abuse treatment services provided by a non-network provider or any services that are not medically necessary.

\n

Preventive Care: Northwind Health Plus does not cover preventive care services provided by a non-network provider.

\n

Tips for Avoiding Exclusions

\n

When considering a medical service or treatment, it is important to review the plan's evidence of coverage to ensure that the service or treatment is covered under the plan. You should also discuss the service or treatment with your doctor to ensure that it is medically necessary. Additionally, you should review the list of excluded services and prescriptions to ensure that you are not seeking treatment for an excluded service or prescription.

\n

If you are considering a medical service or treatment that is not covered under the plan, you should discuss payment options with your doctor or healthcare provider. Additionally, you may need to consider other payment sources, such as private insurance, flexible spending accounts, or state or federal programs.

Finally, it is important to understand the plan's coverage limits and to keep track of all out- of-pocket expenses. You should also be aware of your plan's annual deductible and coinsurance amounts.

\n

By understanding Northwind Health Plus's exclusions and following the tips outlined above, you can ensure that you are receiving the most comprehensive coverage available under the plan and avoid any unexpected costs.

\n

WHAT IF I HAVE OTHER COVERAGE?

\n

Coordinating Benefits With Other Health Care Plans WHAT IF I HAVE OTHER COVERAGE?

\n

Coordinating Benefits With Other Health Care Plans

\n

If you have other health care coverage, such as Medicare or a health plan from another employer, you may be able to coordinate benefits with Northwind Health Plus. Coordinating benefits means that both plans work together to pay for covered services. This coordination helps to ensure that you don't pay more than you should for your health care.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A38Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A38Z&ske=2025-05-20T12%3A06%3A38Z&sks=b&skv=2024-05-04&sig=bvb0MvVwUvY8rbNskjcKITVWfqxNCGccQmXz%2B/JJ3Us%3D)\n\n\n

If you have other coverage, you must notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage. If you fail to do so, you may be responsible for any charges that Northwind Health would have paid if you had notified them of the other coverage.

\n

In certain circumstances, you may be able to keep your other coverage and still be eligible for coverage under the Northwind Standard plan. However, if the other coverage is primary, you will be responsible for any charges that would have been paid by the Northwind Standard plan.

\n

It is also important to note that if you have coverage through a government-sponsored program such as Medicare or Medicaid, you may be subject to certain restrictions. For example, you may be required to obtain certain services through the government- sponsored plan.

\n

Tips for Employees

\n

To ensure you get the most out of your Northwind Standard coverage, here are some tips:

\n

\u00b7 Make sure you understand the terms and conditions of your other coverage and any restrictions associated with it.

\n

\u00b7 Know which plan is primary and which is secondary.

\n

\u00b7 Notify Northwind Health of any changes in your coverage status or any changes in any of your other coverage.

\n

\u00b7 Understand any restrictions associated with any government-sponsored programs you may be enrolled in.

\n

\u00b7 Your Northwind Standard plan does not cover certain services, such as emergency care, mental health and substance abuse coverage, or out-of-network services. Be sure to explore alternative coverage options if you need coverage for these services.

\n

\u00b7 Take advantage of preventive care services and prescription drug coverage available through your Northwind Standard plan.

\n

\u00b7 Make sure you understand your plan's coverage limits and any out-of-pocket expenses you may be responsible for.

By understanding your coverage and taking advantage of all the benefits available through the Northwind Standard plan, you can make sure that you are getting the most out of your health insurance coverage.

\n

Notices

\n

OTHER INFORMATION ABOUT THIS PLAN: Notices

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A38Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A38Z&ske=2025-05-20T12%3A06%3A38Z&sks=b&skv=2024-05-04&sig=bvb0MvVwUvY8rbNskjcKITVWfqxNCGccQmXz%2B/JJ3Us%3D)\n\n\n

This coverage is subject to state and geographic restrictions and is available for members in the following states: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, Tennessee, and Texas.

\n

Eligible Members:

\n

For members to be eligible for this coverage, certain criteria must be met. These criteria include:

\n

\u00b7 Having no access to other transportation.

\n

\u00b7 Having a medical condition that requires transportation.

\n

\u00b7 Being enrolled in the Northwind Standard health plan.

\n

\u00b7 Having a valid referral from a physician or other healthcare provider.

\n

Exceptions:

While this coverage is generally available to eligible members in the states listed above, there are some exceptions. These exceptions include:

\n

\u00b7 Transportation to and from a facility that is not a participating provider in the Northwind Standard health plan.

\n

\u00b7 Transportation to and from a facility that is not in the same state as the member.

\n

\u00b7 Transportation to and from a facility that is outside of the service area.

\n

\u00b7 Transportation to and from an event that is not a medical appointment or procedure. Tips for Members:

\n

When utilizing this coverage, it is important for members to keep the following tips in mind:

\n

\u00b7 Call Northwind Health prior to scheduling any medical transportation to ensure coverage is available.

\n

\u00b7 Keep all receipts and documentation related to medical transportation services.

\n

\u00b7 Request an estimate of costs prior to scheduling any medical transportation services.

\n

\u00b7 Contact Northwind Health to confirm coverage of out-of-network transportation services.

\n

. Contact Northwind Health if any unexpected costs arise.

\n

. Contact Northwind Health if any changes to the pre-approved transportation plan are necessary.

\n

Conclusion

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A06%3A38Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A38Z&ske=2025-05-20T12%3A06%3A38Z&sks=b&skv=2024-05-04&sig=bvb0MvVwUvY8rbNskjcKITVWfqxNCGccQmXz%2B/JJ3Us%3D)\n\n\n

This coverage is subject to state and geographic restrictions and is available for members in the following states: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, Tennessee, and Texas.

\n

Eligible Members:

\n

For members to be eligible for this coverage, certain criteria must be met. These criteria include:

\n

\u00b7 Having no access to other transportation.

\n

\u00b7 Having a medical condition that requires transportation.

\n

\u00b7 Being enrolled in the Northwind Standard health plan.

\n

\u00b7 Having a valid referral from a physician or other healthcare provider.

\n

Exceptions:

While this coverage is generally available to eligible members in the states listed above, there are some exceptions. These exceptions include:

\n

\u00b7 Transportation to and from a facility that is not a participating provider in the Northwind Standard health plan.

\n

\u00b7 Transportation to and from a facility that is not in the same state as the member.

\n

\u00b7 Transportation to and from a facility that is outside of the service area.

\n

\u00b7 Transportation to and from an event that is not a medical appointment or procedure. Tips for Members:

\n

When utilizing this coverage, it is important for members to keep the following tips in mind:

\n

\u00b7 Call Northwind Health prior to scheduling any medical transportation to ensure coverage is available.

\n

\u00b7 Keep all receipts and documentation related to medical transportation services.

\n

\u00b7 Request an estimate of costs prior to scheduling any medical transportation services.

\n

\u00b7 Contact Northwind Health to confirm coverage of out-of-network transportation services.

\n

. Contact Northwind Health if any unexpected costs arise.

\n

. Contact Northwind Health if any changes to the pre-approved transportation plan are necessary.

\n

Conclusion

", "latency": 10.145519, "response_length": 2110} +{"query": "What is the cost of each benefit?", "ground_truth": "The cost of each benefit under the health plans offered by Contoso Electronics is as follows:\n\n### Northwind Standard Plan\n- **Employee Only**: $45.00 per paycheck\n- **Employee +1**: $65.00 per paycheck\n- **Employee +2 or more**: $78.00 per paycheck\n\n### Northwind Health Plus Plan\n- **Employee Only**: $55.00 per paycheck\n- **Employee +1**: $71.00 per paycheck\n- **Employee +2 or more**: $89.00 per paycheck\n\nThese costs are deducted from each paycheck and are spread out over the course of the year[doc1][doc2][doc3].", "context": "Benefit_Options: [/documents/Benefit_Options.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Benefit_Options.pdf?se=2030-05-18T12%3A06%3A45Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A45Z&ske=2025-05-20T12%3A06%3A45Z&sks=b&skv=2024-05-04&sig=A5SGc1qR/yxm/6HT3ANqDUbp2%2Bc9cUaFGSaA8hHtKqk%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!\n\nBenefit_Options (1): [/documents/Benefit_Options (1).pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Benefit_Options%20%281%29.pdf?se=2030-05-18T12%3A06%3A45Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A45Z&ske=2025-05-20T12%3A06%3A45Z&sks=b&skv=2024-05-04&sig=A5SGc1qR/yxm/6HT3ANqDUbp2%2Bc9cUaFGSaA8hHtKqk%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!\n\nBenefit_Options (2): [/documents/Benefit_Options (2).pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Benefit_Options%20%282%29.pdf?se=2030-05-18T12%3A06%3A45Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A45Z&ske=2025-05-20T12%3A06%3A45Z&sks=b&skv=2024-05-04&sig=A5SGc1qR/yxm/6HT3ANqDUbp2%2Bc9cUaFGSaA8hHtKqk%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!", "latency": 6.526484, "response_length": 519} +{"query": "How much will be deducted from my paycheck for each benefit?", "ground_truth": "The amount deducted from your paycheck for each benefit depends on the selected health plan and the number of people covered by the insurance. Here is a cost comparison between the different health plans offered by Contoso Electronics:\n\n- **Northwind Standard:**\n - Employee Only: $45.00 per paycheck\n - Employee +1: $65.00 per paycheck\n - Employee +2 or more: $78.00 per paycheck\n\n- **Northwind Health Plus:**\n - Employee Only: $55.00 per paycheck\n - Employee +1: $71.00 per paycheck\n - Employee +2 or more: $89.00 per paycheck\n\nThese costs will be deducted from each paycheck throughout the year, rather than being paid in one lump sum [doc1][doc2][doc3].", "context": "Benefit_Options (1): [/documents/Benefit_Options (1).pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Benefit_Options%20%281%29.pdf?se=2030-05-18T12%3A06%3A51Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A51Z&ske=2025-05-20T12%3A06%3A51Z&sks=b&skv=2024-05-04&sig=9AajuL7fmPIoPWDDAz6r%2B/lU76z6EECmUfIhMKXK9nc%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!\n\nBenefit_Options (2): [/documents/Benefit_Options (2).pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Benefit_Options%20%282%29.pdf?se=2030-05-18T12%3A06%3A51Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A51Z&ske=2025-05-20T12%3A06%3A51Z&sks=b&skv=2024-05-04&sig=9AajuL7fmPIoPWDDAz6r%2B/lU76z6EECmUfIhMKXK9nc%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!\n\nBenefit_Options: [/documents/Benefit_Options.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Benefit_Options.pdf?se=2030-05-18T12%3A06%3A51Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A51Z&ske=2025-05-20T12%3A06%3A51Z&sks=b&skv=2024-05-04&sig=9AajuL7fmPIoPWDDAz6r%2B/lU76z6EECmUfIhMKXK9nc%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!", "latency": 6.268834, "response_length": 657} +{"query": "Are there any options 3 for cost-sharing between the employer and the employee?", "ground_truth": "Yes, Contoso Electronics offers cost-sharing options between the employer and the employee for healthcare costs. The employee's portion of the healthcare cost is deducted from each paycheck, spreading the cost over the course of the year. The cost is calculated based on the selected health plan and the number of people covered by the insurance. The available plans and their costs per paycheck are as follows:\n\n- **Northwind Standard**:\n - Employee Only: $45.00\n - Employee +1: $65.00\n - Employee +2 or more: $78.00\n\n- **Northwind Health Plus**:\n - Employee Only: $55.00\n - Employee +1: $71.00\n - Employee +2 or more: $89.00\n\nThese options allow employees to choose a plan that best fits their needs and budget, with the costs being shared between the employer and the employee [doc1][doc2][doc3].", "context": "Benefit_Options (2): [/documents/Benefit_Options (2).pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Benefit_Options%20%282%29.pdf?se=2030-05-18T12%3A06%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A58Z&ske=2025-05-20T12%3A06%3A58Z&sks=b&skv=2024-05-04&sig=Hk1l40cfFAY4oW4%2BdSDUxYXBrZLXmT2DUQBjasXBfa8%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!\n\nBenefit_Options: [/documents/Benefit_Options.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Benefit_Options.pdf?se=2030-05-18T12%3A06%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A58Z&ske=2025-05-20T12%3A06%3A58Z&sks=b&skv=2024-05-04&sig=Hk1l40cfFAY4oW4%2BdSDUxYXBrZLXmT2DUQBjasXBfa8%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!\n\nBenefit_Options (1): [/documents/Benefit_Options (1).pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Benefit_Options%20%281%29.pdf?se=2030-05-18T12%3A06%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A06%3A58Z&ske=2025-05-20T12%3A06%3A58Z&sks=b&skv=2024-05-04&sig=Hk1l40cfFAY4oW4%2BdSDUxYXBrZLXmT2DUQBjasXBfa8%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!", "latency": 6.778614, "response_length": 799} +{"query": "Can I extend my benefits to cover my spouse or dependents?", "ground_truth": "Yes, coverage under the policy can extend to your spouse, domestic partner, estate, heir, or legal representative in the event of a claim resulting from a Privacy Incident, Network Security Incident, or Media Incident. However, it is important to note that no coverage is provided for any act, error, or omission of the spouse, domestic partner, estate, heir, or legal representative. All terms and conditions of the policy apply to such claims made against them [doc1].", "context": "Woodgrove - Cyber Risk Insurance Policy_Commercial Insurance: [/documents/Woodgrove - Cyber Risk Insurance Policy_Commercial Insurance.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Woodgrove%20-%20Cyber%20Risk%20Insurance%20Policy_Commercial%20Insurance.pdf?se=2030-05-18T12%3A07%3A04Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A04Z&ske=2025-05-20T12%3A07%3A04Z&sks=b&skv=2024-05-04&sig=LXpnegoaYBvS7UT9d9Zmjbx17azLMBnhlE2DO%2B3dLxM%3D)\n\n\nPRIME 250 001 07 20 Page 18 of

nonpayment of premium; or

\n

ii. 60 days prior to the effective date of cancellation, if this Policy is cancelled for any reason other than nonpayment of premium.

\n

d. In the event of cancellation, the Insurer shall refund the unearned premium computer pro rata.

\n

2. Nonrenewal

\n

If the Insurer elects not to renewal this Policy, the Insurer shall mail to the Named Insured written notice thereof at least 60 days prior to the expiration of the Policy Period unless:

\n

a. the reason for the nonrenewal is due to the nonpayment of premium; or

\n

b. the Named Insured has abstained replacement coverage with another insurance company.

\n

The Insurer's offer of renewal terms and conditions or premium different than those in effect prior to the renewal shall not constitute an election by the Insurer not to renew this Policy.

\n

3. Notice

\n

We shall send all notices required under this Subsection IV.F.1. by certified mail or registered mail to the Named Insured at the address in Item 1. of the Declarations, and by mail or electronic mail to the Named Insured's authorized agent or broker, if any. Proof of mailing shall be sufficient proof of notice.

\n

G. Spouses, Domestic Partners, Estates and Legal Representatives

\n

Coverage under this Policy will extend to any Claim resulting from any Privacy Incident, Network Security Incident or Media Incident made against the lawful spouse or domestic partner of an Insured as well as the estate, heir or legal representative of an Insured who is deceased or legally incompetent, insolvent or bankrupt; however, no coverage is provided for any act, error or omission of said spouse, domestic partner, estate, heir or legal representative. It is further understood that all terms and conditions of this Policy apply to such Claim made against an Insured's spouse, domestic partner, estate, heir or legal representative.

\n

H. Application, Representations and Severability

", "latency": 6.034013, "response_length": 470} +{"query": "What is the process for adding family members to my coverage?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.12108, "response_length": 100} +{"query": "Are there any additional costs associated with family coverage?", "ground_truth": "Yes, there are additional costs associated with family coverage under the health plans offered by Contoso Electronics. The cost comparison table shows that for the Northwind Standard plan, the employee's cost per paycheck is $45.00 for employee only, $65.00 for employee +1, and $78.00 for employee +2 or more. For the Northwind Health Plus plan, the employee's cost per paycheck is $55.00 for employee only, $71.00 for employee +1, and $89.00 for employee +2 or more[doc1][doc2].", "context": "Benefit_Options (1): [/documents/Benefit_Options (1).pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Benefit_Options%20%281%29.pdf?se=2030-05-18T12%3A07%3A14Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A14Z&ske=2025-05-20T12%3A07%3A14Z&sks=b&skv=2024-05-04&sig=kYl0sqwFYCoUtl5AdwdakdoAC0bBHXSCpL9FSADcs1c%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!\n\nBenefit_Options (2): [/documents/Benefit_Options (2).pdf](https://strobi3t36om4a4a.blob.core.windows.net/documents/Benefit_Options%20%282%29.pdf?se=2030-05-18T12%3A07%3A14Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A14Z&ske=2025-05-20T12%3A07%3A14Z&sks=b&skv=2024-05-04&sig=kYl0sqwFYCoUtl5AdwdakdoAC0bBHXSCpL9FSADcs1c%3D)\n\n\n

Contoso Electronics deducts the employee's portion of the healthcare cost from each paycheck. This means that the cost of the health insurance will be spread out over the course of the year, rather than being paid in one lump sum. The employee's portion of the cost will be calculated based on the selected health plan and the number of people covered by the insurance. The table below shows a cost comparison between the different health plans offered by Contoso Electronics:

\n
Employee's cost per paycheck
Northwind StandardNorthwind Health Plus
Employee Only$45.00$55.00
Employee +1$65.00$71.00
Employee +2 or more$78.00$89.00

\n

Next Steps

\n

We hope that this information has been helpful in understanding the differences between Northwind Health Plus and Northwind Standard. We are confident that you will find the right plan for you and your family. Thank you for choosing Contoso Electronics!", "latency": 5.874127, "response_length": 480} +{"query": "Are there preferred providers or networks for health insurance or other benefits?", "ground_truth": "Yes, there are preferred providers or networks for health insurance and other benefits. For example, Northwind Health Plus and Northwind Standard plans offer a wide range of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies. Choosing in-network providers is generally more cost-effective, as they have agreed to accept discounted rates for services, resulting in lower out-of-pocket costs for members [doc1][doc2][doc3]. Additionally, in-network providers are not necessarily the same across all plans, so it's important to check if your preferred provider is in-network before selecting a plan [doc4].", "context": "Northwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A20Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A20Z&ske=2025-05-20T12%3A07%3A20Z&sks=b&skv=2024-05-04&sig=j1Xkn4QNDZGwSf2mgOGgoRERxwAucIfchabZObAg3sc%3D)\n\n\n

. Ask the provider if they accept Northwind Health Plus and if they will accept the amount paid by the plan.

\n

\u00b7 Ask the provider what their billing policies are and if they offer any discounts.

\n

. Ask Northwind Health Plus if the services are covered and if there are any limits or exclusions.

\n

\u00b7 Ask Northwind Health Plus if you will be subject to balance billing.

\n

. Check to see if there is an in-network provider available that offers the same services.

\n

By taking the time to understand the differences between in-network and out-of-network care and by doing your research, you can make sure that you are making the best decisions for your health and your wallet.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to healthcare, one of the most important decisions you can make is choosing the right provider. With Northwind Health Plus, you can select from a wide range of in- network providers, including primary care physicians, specialists, hospitals, and pharmacies. This plan also covers emergency services, both in-network and out-of-network.

The provider you choose will have a direct impact on your costs. When you use in-network providers, you'll pay lower out-of-pocket costs. On the other hand, if you use out-of-network providers, you'll be responsible for a larger portion of the cost. In some cases, you may be responsible for the entire cost.

\n

It is important to note that in-network providers are not necessarily the same across all plans. So, even if a provider is in-network for one plan, they may not be in-network for another. Therefore, it's important to check if your preferred provider is in-network before you select a plan.

\n

When selecting a provider, there are a few tips you should keep in mind:

\n

\u00b7 Research your provider's credentials. Make sure they are properly licensed and accredited.

\n

\u00b7 Ask about their experience. How long have they been in practice? What kind of patients have they treated in the past?

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A21Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A21Z&ske=2025-05-20T12%3A07%3A21Z&sks=b&skv=2024-05-04&sig=gr5uCjfge2/xS8SyFD3SDnzOAFqz86wtA/vGUuzkBZM%3D)\n\n\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to health insurance, many people are unaware of the different factors that impact the costs they pay. One of the most significant components that affects your costs is the provider you choose. Northwind Standard provides coverage for a variety of in-network

providers, and the costs associated with each provider can vary significantly. To ensure you're getting the best value for your health care services, it's important to understand how providers can affect your costs.

\n

In-Network Providers

\n

Choosing in-network providers is the most cost-effective option when it comes to your Northwind Standard plan. In-network providers have agreed to accept a discounted rate on services, which means they are often less expensive than out-of-network providers. When selecting an in-network provider, you will likely only have to pay a portion of the cost for services, often referred to as a \"co-pay\" or \"co-insurance\". It's important to note that different types of services may require different co-pays or co-insurance, so it's best to contact your provider to understand what the cost will be.

\n

Out-of-Network Providers

\n

Northwind Standard offers coverage for some out-of-network providers, but the costs associated with these providers can be significantly more expensive than in-network providers. If you choose an out-of-network provider, you may be responsible for the entire cost of services, or a far greater portion of the cost than you would with an in-network provider. In some cases, Northwind Standard may offer coverage for out-of-network providers, but you may still have to pay more than you would for an in-network provider.

\n

Exceptions

\n

Some providers may offer services that are outside of the Northwind Standard plan coverage. Depending on the services provided, you may have to pay out-of-pocket for services that are not covered. Additionally, it's important to note that there may be different rules and coverage levels associated with certain types of services, such as those related to mental health and substance abuse.

\n

Tips

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A21Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A21Z&ske=2025-05-20T12%3A07%3A21Z&sks=b&skv=2024-05-04&sig=gr5uCjfge2/xS8SyFD3SDnzOAFqz86wtA/vGUuzkBZM%3D)\n\n\n

\u00b7 Make sure to take advantage of preventive care services. These services are covered 100% by the plan and can help you avoid more costly treatments down the line.

\n

\u00b7 Always make sure to visit in-network providers. Doing so will ensure that you receive the maximum benefit from your plan.

\n

\u00b7 Consider generic prescription drugs when available. These drugs can often be cheaper than brand-name drugs and are just as effective.

\n

\u00b7 Talk to your doctor about ways to save money. Many doctors are willing to work with you to find the most cost-effective treatment options available.

\n

\u00b7 Review your Explanation of Benefits (EOB) statements carefully. This document will show you exactly how much you are being charged for each service and what your plan is covering.

\n

By following these tips, you can ensure that you are getting the most out of your Northwind Standard health plan.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

When selecting a health insurance plan, one of the most important factors to consider is the network of in-network providers that are available with the plan.

\n

Northwind Standard offers a wide variety of in-network providers, ranging from primary care physicians, specialists, hospitals, and pharmacies. This allows you to choose a provider that is convenient for you and your family, while also helping you to keep your costs low.

\n

When you choose a provider that is in-network with your plan, you will typically pay lower copays and deductibles than you would with an out-of-network provider. In addition, many services, such as preventive care, may be covered at no cost when you receive care from an in-network provider.

\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A21Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A21Z&ske=2025-05-20T12%3A07%3A21Z&sks=b&skv=2024-05-04&sig=gr5uCjfge2/xS8SyFD3SDnzOAFqz86wtA/vGUuzkBZM%3D)\n\n\n

. Ask the provider if they accept Northwind Health Plus and if they will accept the amount paid by the plan.

\n

\u00b7 Ask the provider what their billing policies are and if they offer any discounts.

\n

. Ask Northwind Health Plus if the services are covered and if there are any limits or exclusions.

\n

\u00b7 Ask Northwind Health Plus if you will be subject to balance billing.

\n

. Check to see if there is an in-network provider available that offers the same services.

\n

By taking the time to understand the differences between in-network and out-of-network care and by doing your research, you can make sure that you are making the best decisions for your health and your wallet.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to healthcare, one of the most important decisions you can make is choosing the right provider. With Northwind Health Plus, you can select from a wide range of in- network providers, including primary care physicians, specialists, hospitals, and pharmacies. This plan also covers emergency services, both in-network and out-of-network.

The provider you choose will have a direct impact on your costs. When you use in-network providers, you'll pay lower out-of-pocket costs. On the other hand, if you use out-of-network providers, you'll be responsible for a larger portion of the cost. In some cases, you may be responsible for the entire cost.

\n

It is important to note that in-network providers are not necessarily the same across all plans. So, even if a provider is in-network for one plan, they may not be in-network for another. Therefore, it's important to check if your preferred provider is in-network before you select a plan.

\n

When selecting a provider, there are a few tips you should keep in mind:

\n

\u00b7 Research your provider's credentials. Make sure they are properly licensed and accredited.

\n

\u00b7 Ask about their experience. How long have they been in practice? What kind of patients have they treated in the past?

", "latency": 6.823077, "response_length": 648} +{"query": "Which providers are in-network, and what are the advantages of using them?", "ground_truth": "In-network providers for Northwind Health Plus include primary care physicians, specialists, hospitals, and pharmacies [doc1][doc2]. Using in-network providers offers several advantages:\n\n1. **Lower Costs**: In-network providers charge lower rates for their services, which can help you save money on out-of-pocket costs [doc3][doc4][doc5].\n2. **Cost Savings**: Northwind Health Plus may offer additional discounts or cost-savings for using in-network providers [doc6].\n3. **Preventive Care**: Preventive care services are covered 100% by the plan when using in-network providers, helping you avoid more costly treatments down the line [doc7].\n4. **Convenience**: The plan offers a wide range of in-network providers, allowing you to choose one that is most convenient for you and your family [doc8][doc9].\n5. **Emergency Services**: In the event of an emergency, you can receive care from both in-network and out-of-network providers, but your out-of-pocket costs may be lower with in-network providers [doc10][doc11].\n\nBy choosing in-network providers, you can ensure that you receive the maximum benefit from your plan and keep your healthcare costs as low as possible [doc12][doc13].", "context": "Northwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A29Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A28Z&ske=2025-05-20T12%3A07%3A28Z&sks=b&skv=2024-05-04&sig=MUqLhjIYHfG3Vt2Q2C5%2BFR3ZX5aAj%2B9YKwuQb4chdjU%3D)\n\n\n

. Ask the provider if they accept Northwind Health Plus and if they will accept the amount paid by the plan.

\n

\u00b7 Ask the provider what their billing policies are and if they offer any discounts.

\n

. Ask Northwind Health Plus if the services are covered and if there are any limits or exclusions.

\n

\u00b7 Ask Northwind Health Plus if you will be subject to balance billing.

\n

. Check to see if there is an in-network provider available that offers the same services.

\n

By taking the time to understand the differences between in-network and out-of-network care and by doing your research, you can make sure that you are making the best decisions for your health and your wallet.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to healthcare, one of the most important decisions you can make is choosing the right provider. With Northwind Health Plus, you can select from a wide range of in- network providers, including primary care physicians, specialists, hospitals, and pharmacies. This plan also covers emergency services, both in-network and out-of-network.

The provider you choose will have a direct impact on your costs. When you use in-network providers, you'll pay lower out-of-pocket costs. On the other hand, if you use out-of-network providers, you'll be responsible for a larger portion of the cost. In some cases, you may be responsible for the entire cost.

\n

It is important to note that in-network providers are not necessarily the same across all plans. So, even if a provider is in-network for one plan, they may not be in-network for another. Therefore, it's important to check if your preferred provider is in-network before you select a plan.

\n

When selecting a provider, there are a few tips you should keep in mind:

\n

\u00b7 Research your provider's credentials. Make sure they are properly licensed and accredited.

\n

\u00b7 Ask about their experience. How long have they been in practice? What kind of patients have they treated in the past?

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A29Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A29Z&ske=2025-05-20T12%3A07%3A29Z&sks=b&skv=2024-05-04&sig=sQk1xQZimPEywnd7UVrw2bFJY31Yc/BKpI%2BQ6buLYG8%3D)\n\n\n

. If you have any questions about your costs, you can contact Northwind Health for more information.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

Choosing the right provider is an important part of getting the most value out of your health insurance plan. With Northwind Health Plus, you have access to an extensive network of in- network providers. Working with these providers is an essential part of getting the most value out of your plan.

\n

In-Network Providers

\n

When choosing an in-network provider for your health care needs, make sure to check with Northwind Health Plus to ensure that the provider is in-network. This is important because in-network providers charge lower rates than out-of-network providers. Northwind Health Plus offers a wide range of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies. This lets you choose a provider that is most convenient for you and your family.

\n

It is important to note that in-network providers may not always be available in every area. The Northwind Health Plus website offers a searchable directory of all in-network providers in your area. This directory is regularly updated, so you can be sure that you are choosing from in-network providers that are available in your area.

\n

Cost Savings

\n

Using an in-network provider can help you save money on health care services. In-network providers have agreed to charge lower rates for their services, which can help you save money on your out-of-pocket costs. In addition, Northwind Health Plus may offer additional discounts or cost-savings for using in-network providers.

\n

Emergency Services

In the event of an emergency, you can receive care from both in-network and out-of- network providers. However, if you choose to receive care from an out-of-network provider, your out-of-pocket costs may be higher. Therefore, it is important to consider the cost of out-of-network care when deciding whether to seek emergency care.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A29Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A29Z&ske=2025-05-20T12%3A07%3A29Z&sks=b&skv=2024-05-04&sig=sQk1xQZimPEywnd7UVrw2bFJY31Yc/BKpI%2BQ6buLYG8%3D)\n\n\n

. If you have any questions about your costs, you can contact Northwind Health for more information.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

Choosing the right provider is an important part of getting the most value out of your health insurance plan. With Northwind Health Plus, you have access to an extensive network of in- network providers. Working with these providers is an essential part of getting the most value out of your plan.

\n

In-Network Providers

\n

When choosing an in-network provider for your health care needs, make sure to check with Northwind Health Plus to ensure that the provider is in-network. This is important because in-network providers charge lower rates than out-of-network providers. Northwind Health Plus offers a wide range of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies. This lets you choose a provider that is most convenient for you and your family.

\n

It is important to note that in-network providers may not always be available in every area. The Northwind Health Plus website offers a searchable directory of all in-network providers in your area. This directory is regularly updated, so you can be sure that you are choosing from in-network providers that are available in your area.

\n

Cost Savings

\n

Using an in-network provider can help you save money on health care services. In-network providers have agreed to charge lower rates for their services, which can help you save money on your out-of-pocket costs. In addition, Northwind Health Plus may offer additional discounts or cost-savings for using in-network providers.

\n

Emergency Services

In the event of an emergency, you can receive care from both in-network and out-of- network providers. However, if you choose to receive care from an out-of-network provider, your out-of-pocket costs may be higher. Therefore, it is important to consider the cost of out-of-network care when deciding whether to seek emergency care.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A29Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A29Z&ske=2025-05-20T12%3A07%3A29Z&sks=b&skv=2024-05-04&sig=sQk1xQZimPEywnd7UVrw2bFJY31Yc/BKpI%2BQ6buLYG8%3D)\n\n\n

\u00b7 Make sure to take advantage of preventive care services. These services are covered 100% by the plan and can help you avoid more costly treatments down the line.

\n

\u00b7 Always make sure to visit in-network providers. Doing so will ensure that you receive the maximum benefit from your plan.

\n

\u00b7 Consider generic prescription drugs when available. These drugs can often be cheaper than brand-name drugs and are just as effective.

\n

\u00b7 Talk to your doctor about ways to save money. Many doctors are willing to work with you to find the most cost-effective treatment options available.

\n

\u00b7 Review your Explanation of Benefits (EOB) statements carefully. This document will show you exactly how much you are being charged for each service and what your plan is covering.

\n

By following these tips, you can ensure that you are getting the most out of your Northwind Standard health plan.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

When selecting a health insurance plan, one of the most important factors to consider is the network of in-network providers that are available with the plan.

\n

Northwind Standard offers a wide variety of in-network providers, ranging from primary care physicians, specialists, hospitals, and pharmacies. This allows you to choose a provider that is convenient for you and your family, while also helping you to keep your costs low.

\n

When you choose a provider that is in-network with your plan, you will typically pay lower copays and deductibles than you would with an out-of-network provider. In addition, many services, such as preventive care, may be covered at no cost when you receive care from an in-network provider.

\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A29Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A29Z&ske=2025-05-20T12%3A07%3A29Z&sks=b&skv=2024-05-04&sig=sQk1xQZimPEywnd7UVrw2bFJY31Yc/BKpI%2BQ6buLYG8%3D)\n\n\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to health insurance, many people are unaware of the different factors that impact the costs they pay. One of the most significant components that affects your costs is the provider you choose. Northwind Standard provides coverage for a variety of in-network

providers, and the costs associated with each provider can vary significantly. To ensure you're getting the best value for your health care services, it's important to understand how providers can affect your costs.

\n

In-Network Providers

\n

Choosing in-network providers is the most cost-effective option when it comes to your Northwind Standard plan. In-network providers have agreed to accept a discounted rate on services, which means they are often less expensive than out-of-network providers. When selecting an in-network provider, you will likely only have to pay a portion of the cost for services, often referred to as a \"co-pay\" or \"co-insurance\". It's important to note that different types of services may require different co-pays or co-insurance, so it's best to contact your provider to understand what the cost will be.

\n

Out-of-Network Providers

\n

Northwind Standard offers coverage for some out-of-network providers, but the costs associated with these providers can be significantly more expensive than in-network providers. If you choose an out-of-network provider, you may be responsible for the entire cost of services, or a far greater portion of the cost than you would with an in-network provider. In some cases, Northwind Standard may offer coverage for out-of-network providers, but you may still have to pay more than you would for an in-network provider.

\n

Exceptions

\n

Some providers may offer services that are outside of the Northwind Standard plan coverage. Depending on the services provided, you may have to pay out-of-pocket for services that are not covered. Additionally, it's important to note that there may be different rules and coverage levels associated with certain types of services, such as those related to mental health and substance abuse.

\n

Tips

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A30Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A30Z&ske=2025-05-20T12%3A07%3A30Z&sks=b&skv=2024-05-04&sig=CdJHvu6l%2BXb5zutTD9Cl6LkvxZqsuh5fEWpZHz7HZaA%3D)\n\n\n

. If you have any questions about your costs, you can contact Northwind Health for more information.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

Choosing the right provider is an important part of getting the most value out of your health insurance plan. With Northwind Health Plus, you have access to an extensive network of in- network providers. Working with these providers is an essential part of getting the most value out of your plan.

\n

In-Network Providers

\n

When choosing an in-network provider for your health care needs, make sure to check with Northwind Health Plus to ensure that the provider is in-network. This is important because in-network providers charge lower rates than out-of-network providers. Northwind Health Plus offers a wide range of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies. This lets you choose a provider that is most convenient for you and your family.

\n

It is important to note that in-network providers may not always be available in every area. The Northwind Health Plus website offers a searchable directory of all in-network providers in your area. This directory is regularly updated, so you can be sure that you are choosing from in-network providers that are available in your area.

\n

Cost Savings

\n

Using an in-network provider can help you save money on health care services. In-network providers have agreed to charge lower rates for their services, which can help you save money on your out-of-pocket costs. In addition, Northwind Health Plus may offer additional discounts or cost-savings for using in-network providers.

\n

Emergency Services

In the event of an emergency, you can receive care from both in-network and out-of- network providers. However, if you choose to receive care from an out-of-network provider, your out-of-pocket costs may be higher. Therefore, it is important to consider the cost of out-of-network care when deciding whether to seek emergency care.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A30Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A30Z&ske=2025-05-20T12%3A07%3A30Z&sks=b&skv=2024-05-04&sig=CdJHvu6l%2BXb5zutTD9Cl6LkvxZqsuh5fEWpZHz7HZaA%3D)\n\n\n

\u00b7 Make sure to take advantage of preventive care services. These services are covered 100% by the plan and can help you avoid more costly treatments down the line.

\n

\u00b7 Always make sure to visit in-network providers. Doing so will ensure that you receive the maximum benefit from your plan.

\n

\u00b7 Consider generic prescription drugs when available. These drugs can often be cheaper than brand-name drugs and are just as effective.

\n

\u00b7 Talk to your doctor about ways to save money. Many doctors are willing to work with you to find the most cost-effective treatment options available.

\n

\u00b7 Review your Explanation of Benefits (EOB) statements carefully. This document will show you exactly how much you are being charged for each service and what your plan is covering.

\n

By following these tips, you can ensure that you are getting the most out of your Northwind Standard health plan.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

When selecting a health insurance plan, one of the most important factors to consider is the network of in-network providers that are available with the plan.

\n

Northwind Standard offers a wide variety of in-network providers, ranging from primary care physicians, specialists, hospitals, and pharmacies. This allows you to choose a provider that is convenient for you and your family, while also helping you to keep your costs low.

\n

When you choose a provider that is in-network with your plan, you will typically pay lower copays and deductibles than you would with an out-of-network provider. In addition, many services, such as preventive care, may be covered at no cost when you receive care from an in-network provider.

\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A30Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A30Z&ske=2025-05-20T12%3A07%3A30Z&sks=b&skv=2024-05-04&sig=CdJHvu6l%2BXb5zutTD9Cl6LkvxZqsuh5fEWpZHz7HZaA%3D)\n\n\n

. If you have any questions about your costs, you can contact Northwind Health for more information.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

Choosing the right provider is an important part of getting the most value out of your health insurance plan. With Northwind Health Plus, you have access to an extensive network of in- network providers. Working with these providers is an essential part of getting the most value out of your plan.

\n

In-Network Providers

\n

When choosing an in-network provider for your health care needs, make sure to check with Northwind Health Plus to ensure that the provider is in-network. This is important because in-network providers charge lower rates than out-of-network providers. Northwind Health Plus offers a wide range of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies. This lets you choose a provider that is most convenient for you and your family.

\n

It is important to note that in-network providers may not always be available in every area. The Northwind Health Plus website offers a searchable directory of all in-network providers in your area. This directory is regularly updated, so you can be sure that you are choosing from in-network providers that are available in your area.

\n

Cost Savings

\n

Using an in-network provider can help you save money on health care services. In-network providers have agreed to charge lower rates for their services, which can help you save money on your out-of-pocket costs. In addition, Northwind Health Plus may offer additional discounts or cost-savings for using in-network providers.

\n

Emergency Services

In the event of an emergency, you can receive care from both in-network and out-of- network providers. However, if you choose to receive care from an out-of-network provider, your out-of-pocket costs may be higher. Therefore, it is important to consider the cost of out-of-network care when deciding whether to seek emergency care.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A30Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A30Z&ske=2025-05-20T12%3A07%3A30Z&sks=b&skv=2024-05-04&sig=CdJHvu6l%2BXb5zutTD9Cl6LkvxZqsuh5fEWpZHz7HZaA%3D)\n\n\n

\u00b7 Make sure to take advantage of preventive care services. These services are covered 100% by the plan and can help you avoid more costly treatments down the line.

\n

\u00b7 Always make sure to visit in-network providers. Doing so will ensure that you receive the maximum benefit from your plan.

\n

\u00b7 Consider generic prescription drugs when available. These drugs can often be cheaper than brand-name drugs and are just as effective.

\n

\u00b7 Talk to your doctor about ways to save money. Many doctors are willing to work with you to find the most cost-effective treatment options available.

\n

\u00b7 Review your Explanation of Benefits (EOB) statements carefully. This document will show you exactly how much you are being charged for each service and what your plan is covering.

\n

By following these tips, you can ensure that you are getting the most out of your Northwind Standard health plan.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

When selecting a health insurance plan, one of the most important factors to consider is the network of in-network providers that are available with the plan.

\n

Northwind Standard offers a wide variety of in-network providers, ranging from primary care physicians, specialists, hospitals, and pharmacies. This allows you to choose a provider that is convenient for you and your family, while also helping you to keep your costs low.

\n

When you choose a provider that is in-network with your plan, you will typically pay lower copays and deductibles than you would with an out-of-network provider. In addition, many services, such as preventive care, may be covered at no cost when you receive care from an in-network provider.

\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A30Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A30Z&ske=2025-05-20T12%3A07%3A30Z&sks=b&skv=2024-05-04&sig=CdJHvu6l%2BXb5zutTD9Cl6LkvxZqsuh5fEWpZHz7HZaA%3D)\n\n\n

. If you have any questions about your costs, you can contact Northwind Health for more information.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

Choosing the right provider is an important part of getting the most value out of your health insurance plan. With Northwind Health Plus, you have access to an extensive network of in- network providers. Working with these providers is an essential part of getting the most value out of your plan.

\n

In-Network Providers

\n

When choosing an in-network provider for your health care needs, make sure to check with Northwind Health Plus to ensure that the provider is in-network. This is important because in-network providers charge lower rates than out-of-network providers. Northwind Health Plus offers a wide range of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies. This lets you choose a provider that is most convenient for you and your family.

\n

It is important to note that in-network providers may not always be available in every area. The Northwind Health Plus website offers a searchable directory of all in-network providers in your area. This directory is regularly updated, so you can be sure that you are choosing from in-network providers that are available in your area.

\n

Cost Savings

\n

Using an in-network provider can help you save money on health care services. In-network providers have agreed to charge lower rates for their services, which can help you save money on your out-of-pocket costs. In addition, Northwind Health Plus may offer additional discounts or cost-savings for using in-network providers.

\n

Emergency Services

In the event of an emergency, you can receive care from both in-network and out-of- network providers. However, if you choose to receive care from an out-of-network provider, your out-of-pocket costs may be higher. Therefore, it is important to consider the cost of out-of-network care when deciding whether to seek emergency care.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A31Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A30Z&ske=2025-05-20T12%3A07%3A30Z&sks=b&skv=2024-05-04&sig=Ga9l/asKPImS%2BTjUiNwphMW96nQP3QIXAvbcjwpV%2BAc%3D)\n\n\n

Emergency Services

In the event of an emergency, you can receive care from both in-network and out-of- network providers. However, if you choose to receive care from an out-of-network provider, your out-of-pocket costs may be higher. Therefore, it is important to consider the cost of out-of-network care when deciding whether to seek emergency care.

\n

Tips for Choosing an In-Network Provider

\n

When choosing an in-network provider, there are a few tips to keep in mind:

\n

. Check with Northwind Health Plus to make sure that the provider you are considering is in-network.

\n

. Use the searchable directory on the Northwind Health Plus website to find in-network providers in your area.

\n

. Ask your current provider if they are part of the Northwind Health Plus network.

\n

\u00b7 Consider the cost savings associated with in-network providers when making your decision.

\n

\u00b7 Consider the quality of care when choosing a provider.

\n

\u00b7 Make sure the provider is familiar with your health insurance plan and its coverage.

\n

\u00b7 Make sure the provider is available and can accommodate your schedule.

\n

Conclusion

\n

Choosing the right provider is an important part of getting the most value out of your health insurance plan. Northwind Health Plus offers an extensive network of in-network providers that can help you save money on health care services. By following the tips outlined above, you can make sure that you are choosing an in-network provider that is most convenient and cost-effective for you and your family.

\n

Continuity of Care HOW PROVIDERS AFFECT YOUR COSTS: Continuity of Care

\n

It's important to understand continuity of care when selecting a provider. Continuity of care is the process of being treated by the same provider or medical team over a period of time. When you have continuity of care, your provider has a better understanding of your medical history, enabling them to provide more accurate diagnoses and treatments.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A31Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A31Z&ske=2025-05-20T12%3A07%3A31Z&sks=b&skv=2024-05-04&sig=e6HtUvICxfvn282GnKCcCqS76rG1pxe47MuU1nkYVsc%3D)\n\n\n

\u00b7 Make sure to take advantage of preventive care services. These services are covered 100% by the plan and can help you avoid more costly treatments down the line.

\n

\u00b7 Always make sure to visit in-network providers. Doing so will ensure that you receive the maximum benefit from your plan.

\n

\u00b7 Consider generic prescription drugs when available. These drugs can often be cheaper than brand-name drugs and are just as effective.

\n

\u00b7 Talk to your doctor about ways to save money. Many doctors are willing to work with you to find the most cost-effective treatment options available.

\n

\u00b7 Review your Explanation of Benefits (EOB) statements carefully. This document will show you exactly how much you are being charged for each service and what your plan is covering.

\n

By following these tips, you can ensure that you are getting the most out of your Northwind Standard health plan.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

When selecting a health insurance plan, one of the most important factors to consider is the network of in-network providers that are available with the plan.

\n

Northwind Standard offers a wide variety of in-network providers, ranging from primary care physicians, specialists, hospitals, and pharmacies. This allows you to choose a provider that is convenient for you and your family, while also helping you to keep your costs low.

\n

When you choose a provider that is in-network with your plan, you will typically pay lower copays and deductibles than you would with an out-of-network provider. In addition, many services, such as preventive care, may be covered at no cost when you receive care from an in-network provider.

\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A31Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A31Z&ske=2025-05-20T12%3A07%3A31Z&sks=b&skv=2024-05-04&sig=e6HtUvICxfvn282GnKCcCqS76rG1pxe47MuU1nkYVsc%3D)\n\n\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to health insurance, many people are unaware of the different factors that impact the costs they pay. One of the most significant components that affects your costs is the provider you choose. Northwind Standard provides coverage for a variety of in-network

providers, and the costs associated with each provider can vary significantly. To ensure you're getting the best value for your health care services, it's important to understand how providers can affect your costs.

\n

In-Network Providers

\n

Choosing in-network providers is the most cost-effective option when it comes to your Northwind Standard plan. In-network providers have agreed to accept a discounted rate on services, which means they are often less expensive than out-of-network providers. When selecting an in-network provider, you will likely only have to pay a portion of the cost for services, often referred to as a \"co-pay\" or \"co-insurance\". It's important to note that different types of services may require different co-pays or co-insurance, so it's best to contact your provider to understand what the cost will be.

\n

Out-of-Network Providers

\n

Northwind Standard offers coverage for some out-of-network providers, but the costs associated with these providers can be significantly more expensive than in-network providers. If you choose an out-of-network provider, you may be responsible for the entire cost of services, or a far greater portion of the cost than you would with an in-network provider. In some cases, Northwind Standard may offer coverage for out-of-network providers, but you may still have to pay more than you would for an in-network provider.

\n

Exceptions

\n

Some providers may offer services that are outside of the Northwind Standard plan coverage. Depending on the services provided, you may have to pay out-of-pocket for services that are not covered. Additionally, it's important to note that there may be different rules and coverage levels associated with certain types of services, such as those related to mental health and substance abuse.

\n

Tips

", "latency": 10.425959, "response_length": 1187} +{"query": "Can I still receive coverage if I choose an out-of-network provider?", "ground_truth": "Yes, you can still receive coverage if you choose an out-of-network provider, but there are important considerations to keep in mind:\n\n1. **Higher Costs**: You will generally be responsible for a greater portion of the costs when using out-of-network providers compared to in-network providers. Out-of-network providers have not contracted with Northwind Health to provide services at a discounted rate, so they are not required to accept the payment amount offered by Northwind Health, leading to higher out-of-pocket expenses for you [doc1][doc2].\n\n2. **Exceptions**: There are some exceptions where Northwind Health Plus may cover a portion of the costs for out-of-network providers. For example, if you are traveling outside of the United States and cannot find an in-network provider, or if you are in a life-threatening situation and need to go to the nearest hospital, Northwind Health Plus may provide coverage for the care received [doc3][doc4].\n\n3. **Balance Billing**: You may be subject to balance billing, which occurs when the out-of-network provider bills you for the difference between their charges and the amount paid by Northwind Health Plus [doc5].\n\n4. **Cost Sharing**: Services received from out-of-network providers may not count towards your deductible or be applied to your out-of-pocket maximum, meaning you could be responsible for the entire cost of the services minus any applicable discounts [doc6].\n\n5. **Research and Questions**: It is important to do your research and ask questions about the provider's billing policies, cost of services, and any potential discounts. Contact Northwind Health Plus prior to receiving care to ensure the services are covered and to understand your financial responsibility [doc7].\n\nBy understanding these factors, you can make an informed decision about whether to seek care from an out-of-network provider.", "context": "Northwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A40Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A40Z&ske=2025-05-20T12%3A07%3A40Z&sks=b&skv=2024-05-04&sig=l3xTZKb/dj6%2BhVX/xC0yPW2J/cC80rp3ag846YCqAaM%3D)\n\n\n

Under Northwind Standard, you may receive care from out-of-network providers, but you will be responsible for a greater portion of the costs. To make sure you are getting the best value for your health care expenses, it is important to understand the differences between in-network and out-of-network providers and how they affect your costs.

\n

In-Network: In-network providers are those who have contracted with Northwind Health to provide services at a discounted rate. In-network providers have agreed to accept the amount of payment offered by Northwind Health, meaning that you pay the portion of the cost that is not covered by the insurance plan. In-network providers may also offer additional services or discounts that are not available to out-of-network providers.

Out-of-Network: Out-of-network providers are those who have not contracted with Northwind Health. As a result, they are not required to accept the amount of payment offered by Northwind Health, meaning that you may be responsible for a greater portion of the cost. Additionally, out-of-network providers may not offer additional services or discounts that are available to in-network providers.

\n

When choosing a provider, it is important to make sure that the provider is in-network. While it is possible to receive care from out-of-network providers, it is important to understand that you will be responsible for a greater portion of the costs. To make sure that you are getting the best value for your health care expenses, it is recommended that you choose an in-network provider whenever possible.

\n

There are some exceptions when it comes to receiving care from out-of-network providers. If you are unable to find an in-network provider in your area or if you require a specific type of care that is not available from an in-network provider, you may receive care from an out- of-network provider. In these cases, the cost of care may be more expensive and you may be responsible for a greater portion of the costs.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A40Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A40Z&ske=2025-05-20T12%3A07%3A40Z&sks=b&skv=2024-05-04&sig=l3xTZKb/dj6%2BhVX/xC0yPW2J/cC80rp3ag846YCqAaM%3D)\n\n\n

There are some exceptions when it comes to receiving care from out-of-network providers. If you are unable to find an in-network provider in your area or if you require a specific type of care that is not available from an in-network provider, you may receive care from an out- of-network provider. In these cases, the cost of care may be more expensive and you may be responsible for a greater portion of the costs.

\n

In addition to understanding the differences between in-network and out-of-network providers, it is important to understand the cost sharing associated with each. Northwind Standard does not cover the full cost of care for out-of-network providers, so you may be responsible for a greater portion of the costs.

\n

When choosing a provider, it is important to take into account the cost sharing associated with each provider. If you are unable to find an in-network provider in your area or if you require a specific type of care that is not available from an in-network provider, it is important to understand that you may be responsible for a greater portion of the costs.

\n

Finally, it is important to be aware of any additional fees that may be associated with receiving care from an out-of-network provider. Some providers may charge additional fees for services that are not covered by Northwind Standard. It is important to ask about any additional fees before receiving care from an out-of-network provider to make sure you are aware of any additional costs you may be responsible for.

\n

By understanding the differences between in-network and out-of-network providers, as well as the cost sharing associated with each, you can make sure that you are getting the best value for your health care expenses. While it is possible to receive care from an out-of- network provider, it is important to understand that you may be responsible for a greater portion of the costs. When choosing a provider, it is important to consider the cost sharing associated with each provider and to ask about any additional fees before receiving care.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A40Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A40Z&ske=2025-05-20T12%3A07%3A40Z&sks=b&skv=2024-05-04&sig=l3xTZKb/dj6%2BhVX/xC0yPW2J/cC80rp3ag846YCqAaM%3D)\n\n\n

\u00b7 Ask your provider if they offer continuity of care.

\n

\u00b7 If you are switching to a new provider, make sure they are familiar with your medical history.

\n

\u00b7 If you are switching from an in-network provider to an out-of-network provider, make sure you understand what that means for your coverage.

\n

\u00b7 Make sure you keep all of your medical records up to date.

\n

Continuity of care is an important factor to consider when selecting a provider. Northwind Health Plus offers coverage for continuity of care, so you may be able to continue seeing the same provider without having to switch to a different provider in the network. However, there are some exceptions to the continuity of care rule, so it's important to understand what those are. By following these tips, you can ensure you have the best possible coverage and ensure continuity of care.

\n

Non-Participating HOW PROVIDERS AFFECT YOUR COSTS

\n

When it comes to health care, the provider you choose can have a major impact on your costs. With Northwind Health Plus, you have the option to choose from a variety of in- network providers. However, if you choose to go outside of the network, you may incur additional costs.

\n

Non-Participating Providers

\n

Non-participating providers are providers that are not in-network with Northwind Health Plus. When you visit a provider that is not in-network, you will be responsible for the entire cost of the care. This means that, if you choose to visit a provider who is not in-network, you will have to pay the entire cost of the service out-of-pocket.

Exceptions

\n

There are some exceptions to this rule. If you are traveling outside of the United States and you cannot find an in-network provider, you may be able to visit a non-participating provider and Northwind Health Plus may cover a portion of the cost. Additionally, if you are in a life-threatening situation and need to go to the nearest hospital, Northwind Health Plus may provide coverage for the care received.

\n

Tips

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A41Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A40Z&ske=2025-05-20T12%3A07%3A40Z&sks=b&skv=2024-05-04&sig=vJ7VJmzsh7JAlKC1yVUdERsKRY0/E6qTONTW6BWUy30%3D)\n\n\n

When seeking care from an out-of-network provider, it is important to know exactly what services are covered and what you will be expected to pay out of pocket. Generally, out-of-

network providers are not required to accept the same reimbursement rates as contracted providers, so the cost of care could be significantly higher.

\n

It is also important to know that services received from an out-of-network provider may not count towards your deductible or be applied to your out-of-pocket maximum. This means that you may be responsible for paying the entire cost of the services, minus any applicable discounts. It is important to keep in mind that you may also be subject to balance billing from an out-of-network provider. Balance billing occurs when the provider bills you for the difference between their billed charges and the amount paid by Northwind Health Plus.

\n

In some cases, you may be able to receive care from an out-of-network provider if there is not an in-network option available. In these cases, Northwind Health Plus will cover the same amount as if the care was provided by an in-network provider.

\n

When considering care from an out-of-network provider, it is important to understand the potential risks of doing so. You may end up paying more out of pocket because the provider is not contracted with Northwind Health Plus, or you may be subject to balance billing.

\n

It is important to do your research before seeking care from an out-of-network provider. Make sure to ask questions about the provider's billing policies, cost of services, and any potential discounts. It is also important to call Northwind Health Plus prior to receiving care to make sure that the services are covered and to understand your financial responsibility.

\n

Tips for seeking out-of-network care:

\n

. Ask the provider if they accept Northwind Health Plus and if they will accept the amount paid by the plan.

\n

\u00b7 Ask the provider what their billing policies are and if they offer any discounts.

\n

. Ask Northwind Health Plus if the services are covered and if there are any limits or exclusions.

\n

\u00b7 Ask Northwind Health Plus if you will be subject to balance billing.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A41Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A41Z&ske=2025-05-20T12%3A07%3A41Z&sks=b&skv=2024-05-04&sig=R62cDcDs8FNliPu4H7g69S1U3VkOjAxeQ8YOdwYW7Fc%3D)\n\n\n

When seeking care from an out-of-network provider, it is important to know exactly what services are covered and what you will be expected to pay out of pocket. Generally, out-of-

network providers are not required to accept the same reimbursement rates as contracted providers, so the cost of care could be significantly higher.

\n

It is also important to know that services received from an out-of-network provider may not count towards your deductible or be applied to your out-of-pocket maximum. This means that you may be responsible for paying the entire cost of the services, minus any applicable discounts. It is important to keep in mind that you may also be subject to balance billing from an out-of-network provider. Balance billing occurs when the provider bills you for the difference between their billed charges and the amount paid by Northwind Health Plus.

\n

In some cases, you may be able to receive care from an out-of-network provider if there is not an in-network option available. In these cases, Northwind Health Plus will cover the same amount as if the care was provided by an in-network provider.

\n

When considering care from an out-of-network provider, it is important to understand the potential risks of doing so. You may end up paying more out of pocket because the provider is not contracted with Northwind Health Plus, or you may be subject to balance billing.

\n

It is important to do your research before seeking care from an out-of-network provider. Make sure to ask questions about the provider's billing policies, cost of services, and any potential discounts. It is also important to call Northwind Health Plus prior to receiving care to make sure that the services are covered and to understand your financial responsibility.

\n

Tips for seeking out-of-network care:

\n

. Ask the provider if they accept Northwind Health Plus and if they will accept the amount paid by the plan.

\n

\u00b7 Ask the provider what their billing policies are and if they offer any discounts.

\n

. Ask Northwind Health Plus if the services are covered and if there are any limits or exclusions.

\n

\u00b7 Ask Northwind Health Plus if you will be subject to balance billing.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A41Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A41Z&ske=2025-05-20T12%3A07%3A41Z&sks=b&skv=2024-05-04&sig=R62cDcDs8FNliPu4H7g69S1U3VkOjAxeQ8YOdwYW7Fc%3D)\n\n\n

When seeking care from an out-of-network provider, it is important to know exactly what services are covered and what you will be expected to pay out of pocket. Generally, out-of-

network providers are not required to accept the same reimbursement rates as contracted providers, so the cost of care could be significantly higher.

\n

It is also important to know that services received from an out-of-network provider may not count towards your deductible or be applied to your out-of-pocket maximum. This means that you may be responsible for paying the entire cost of the services, minus any applicable discounts. It is important to keep in mind that you may also be subject to balance billing from an out-of-network provider. Balance billing occurs when the provider bills you for the difference between their billed charges and the amount paid by Northwind Health Plus.

\n

In some cases, you may be able to receive care from an out-of-network provider if there is not an in-network option available. In these cases, Northwind Health Plus will cover the same amount as if the care was provided by an in-network provider.

\n

When considering care from an out-of-network provider, it is important to understand the potential risks of doing so. You may end up paying more out of pocket because the provider is not contracted with Northwind Health Plus, or you may be subject to balance billing.

\n

It is important to do your research before seeking care from an out-of-network provider. Make sure to ask questions about the provider's billing policies, cost of services, and any potential discounts. It is also important to call Northwind Health Plus prior to receiving care to make sure that the services are covered and to understand your financial responsibility.

\n

Tips for seeking out-of-network care:

\n

. Ask the provider if they accept Northwind Health Plus and if they will accept the amount paid by the plan.

\n

\u00b7 Ask the provider what their billing policies are and if they offer any discounts.

\n

. Ask Northwind Health Plus if the services are covered and if there are any limits or exclusions.

\n

\u00b7 Ask Northwind Health Plus if you will be subject to balance billing.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A41Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A41Z&ske=2025-05-20T12%3A07%3A41Z&sks=b&skv=2024-05-04&sig=R62cDcDs8FNliPu4H7g69S1U3VkOjAxeQ8YOdwYW7Fc%3D)\n\n\n

When seeking care from an out-of-network provider, it is important to know exactly what services are covered and what you will be expected to pay out of pocket. Generally, out-of-

network providers are not required to accept the same reimbursement rates as contracted providers, so the cost of care could be significantly higher.

\n

It is also important to know that services received from an out-of-network provider may not count towards your deductible or be applied to your out-of-pocket maximum. This means that you may be responsible for paying the entire cost of the services, minus any applicable discounts. It is important to keep in mind that you may also be subject to balance billing from an out-of-network provider. Balance billing occurs when the provider bills you for the difference between their billed charges and the amount paid by Northwind Health Plus.

\n

In some cases, you may be able to receive care from an out-of-network provider if there is not an in-network option available. In these cases, Northwind Health Plus will cover the same amount as if the care was provided by an in-network provider.

\n

When considering care from an out-of-network provider, it is important to understand the potential risks of doing so. You may end up paying more out of pocket because the provider is not contracted with Northwind Health Plus, or you may be subject to balance billing.

\n

It is important to do your research before seeking care from an out-of-network provider. Make sure to ask questions about the provider's billing policies, cost of services, and any potential discounts. It is also important to call Northwind Health Plus prior to receiving care to make sure that the services are covered and to understand your financial responsibility.

\n

Tips for seeking out-of-network care:

\n

. Ask the provider if they accept Northwind Health Plus and if they will accept the amount paid by the plan.

\n

\u00b7 Ask the provider what their billing policies are and if they offer any discounts.

\n

. Ask Northwind Health Plus if the services are covered and if there are any limits or exclusions.

\n

\u00b7 Ask Northwind Health Plus if you will be subject to balance billing.

", "latency": 10.113595, "response_length": 1873} +{"query": "What medications are covered under the prescription drug plan?", "ground_truth": "The Northwind Health Plus prescription drug plan covers a variety of medications, including both generic and brand name drugs. The covered drug classes include:\n\n- Antibiotics\n- Antidepressants\n- Anti-anxiety medications\n- Asthma inhalers\n- Hormone replacement therapies\n- Pain relievers\n- Statins\n- Vaccines\n\nAdditionally, most over-the-counter medications and supplies are covered when prescribed by a doctor[doc1][doc2]. However, there are exceptions, such as non-FDA approved medications, non-prescription vitamins and supplements, drugs for cosmetic or elective purposes, drugs for fertility treatments, and drugs for weight loss or gain[doc3][doc4][doc5].", "context": "Northwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A47Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A47Z&ske=2025-05-20T12%3A07%3A47Z&sks=b&skv=2024-05-04&sig=YHvXGQA8XanQSSMLT2Eop1LLTclSAmmVsAuP1/HeJb4%3D)\n\n\n

After the procedure, your physician may recommend that you wear a protective appliance, such as a splint or headgear, to protect your jaw while it heals. You may also need to attend follow-up appointments with your physician to monitor your progress.

\n

Northwind Health Plus typically covers the cost of Orthognathic Surgery, but you should confirm with your provider that all costs associated with the procedure are covered. Additionally, you should keep in mind that there may be certain limitations or exclusions that apply to this coverage, so it is important to review your policy in detail to be sure that you understand what is and is not covered.

If you have any questions about Orthognathic Surgery and whether or not it is covered under your Northwind Health Plus plan, you should contact your provider for more information.

\n

Prescription Drug COVERED SERVICES: Prescription Drug

\n

Northwind Health Plus offers comprehensive coverage for prescription drugs. This coverage includes both generic and brand name drugs. The plan also includes access to mail order services, which allows you to order up to a 90-day supply of medications at a time.

\n

The plan covers a variety of drug classes, including but not limited to:

\n

\u00b7 Antibiotics

\n

\u00b7 Antidepressants

\n

\u00b7 Anti-anxiety medications

\n

\u00b7 Asthma inhalers

\n

\u00b7 Hormone replacement therapies

\n

\u00b7 Pain relievers

\n

\u00b7 Statins

\n

\u00b7 Vaccines

\n

In addition, Northwind Health Plus covers most over-the-counter medications and supplies when prescribed by your doctor.

\n

Exceptions

\n

While Northwind Health Plus covers a wide variety of drug classes, there are some exceptions. These exceptions include:

\n

\u00b7 Non-FDA approved medications

\n

\u00b7 Non-prescription vitamins and supplements

\n

\u00b7 Drugs for cosmetic or elective purposes

\n

\u00b7 Drugs for fertility treatments

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A47Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A47Z&ske=2025-05-20T12%3A07%3A47Z&sks=b&skv=2024-05-04&sig=YHvXGQA8XanQSSMLT2Eop1LLTclSAmmVsAuP1/HeJb4%3D)\n\n\n

Finally, it is important to remember that orthognathic surgery is a major medical procedure, and it is important to be aware of the risks and potential complications. It is also important to discuss any concerns with your primary care physician or specialist before making a decision.

\n

Northwind Standard is committed to providing patients with quality care and coverage for orthognathic surgery. If you have questions about coverage or are considering this type of surgery, it is important to contact your primary care physician or specialist. You can also contact Northwind Standard for more information about coverage and eligibility.

\n

Prescription Drug COVERED SERVICES: Prescription Drugs

\n

The Northwind Standard plan provides coverage for prescription drugs. This includes both brand name and generic medications, as well as over-the-counter drugs when prescribed by a doctor. Northwind Standard also provides coverage for immunizations and vaccinations.

\n

In order to receive coverage for prescription drugs, members must use one of Northwind Health's preferred pharmacies. Preferred pharmacies offer the lowest copayments, and they also provide additional cost savings benefits. To find a preferred pharmacy in your area, you can use the Find a Pharmacy tool on the Northwind Health website.

\n

When filling a prescription, you can choose to receive your medications through the mail. This option is convenient and can help you save money. You can also request prescription refills online or by phone, and you can even use a mobile app to manage your prescriptions.

\n

When using a preferred pharmacy, you may be able to take advantage of discounts on generic medications. This can help to reduce your out-of-pocket costs. In addition, your pharmacy may offer additional savings on brand-name medications, such as 90-day supplies or three-month supplies.

\n

It's important to note that the Northwind Standard plan does not cover certain medications, including drugs used for weight loss or fertility treatments, compounded medications, or drugs that are not FDA-approved. You should always check with your doctor or pharmacist to make sure that your prescription is covered under the Northwind Standard plan.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A47Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A47Z&ske=2025-05-20T12%3A07%3A47Z&sks=b&skv=2024-05-04&sig=YHvXGQA8XanQSSMLT2Eop1LLTclSAmmVsAuP1/HeJb4%3D)\n\n\n

Exceptions

\n

While Northwind Health Plus covers a wide variety of drug classes, there are some exceptions. These exceptions include:

\n

\u00b7 Non-FDA approved medications

\n

\u00b7 Non-prescription vitamins and supplements

\n

\u00b7 Drugs for cosmetic or elective purposes

\n

\u00b7 Drugs for fertility treatments

\n

\u00b7 Drugs for weight loss or gain

\n

In addition, Northwind Health Plus does not cover drugs that are considered experimental or investigational.

Tips For Employees

\n

\u00b7 Be sure to ask your doctor if any of the medications he or she is prescribing are covered by Northwind Health Plus.

\n

. If you fill a prescription for a drug that is not covered by the plan, you may have to pay the full cost.

\n

. Make sure to check the Northwind Health Plus drug list to see if the medications you need are covered by the plan.

\n

. If you have any questions about your coverage, contact Northwind Health Plus customer service.

\n

\u00b7 When you fill a prescription at a retail pharmacy, make sure to present your Northwind Health Plus insurance card so that you can receive the discounted rate.

\n

\u00b7 If you have a chronic condition, consider using a mail order pharmacy to get up to a 90- day supply of medications. This can help you save money.

\n

\u00b7 If you have any questions about your benefits, contact your employer's human resources department. They can provide you with more information about your coverage.

\n

Preventive Care COVERED SERVICES: Preventive Care

\n

Northwind Health Plus provides coverage for preventive care services. Preventive care is an important part of staying healthy and managing existing health conditions, and Northwind Health Plus covers many different types of preventive care services.

\n

Routine Physicals:

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A48Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A48Z&ske=2025-05-20T12%3A07%3A48Z&sks=b&skv=2024-05-04&sig=95uNn9S26mvIXfS/Zfc5vojC%2BwE6ufAT%2Bm1RjxNNaU4%3D)\n\n\n

It's important to note that the Northwind Standard plan does not cover certain medications, including drugs used for weight loss or fertility treatments, compounded medications, or drugs that are not FDA-approved. You should always check with your doctor or pharmacist to make sure that your prescription is covered under the Northwind Standard plan.

\n

You should also be aware that Northwind Standard does not cover over-the-counter medications, unless they are prescribed by a doctor. If you need to purchase an over-the- counter medication, you will have to pay for it out of pocket.

\n

Finally, always look for generic medications whenever possible. Generic medications are typically less expensive than brand-name medications, and they are just as effective.

By following these tips, you can make sure that you are taking advantage of all the benefits of the Northwind Standard plan. With the right plan in place, you can be sure that you are getting the best coverage for your medical, dental, vision, and prescription drug needs.

\n

Preventive Care COVERED SERVICES: Preventive Care

\n

At Northwind Health, preventive care services are covered under the Northwind Standard plan. Preventive care services are a great way to stay on top of your health, and they are available at no additional cost when you are a part of Northwind Standard.

\n

Preventive care services include the following:

\n

\u00b7 Physicals and vaccinations

\n

\u00b7 Health screenings and tests, such as blood pressure, cholesterol and diabetes tests

\n

\u00b7 Counseling, such as lifestyle and nutrition counseling

\n

\u00b7 Immunizations

\n

\u00b7 Vision and hearing screenings

\n

. Other preventive services as recommended by the U.S. Preventive Services Task Force

\n

Please note that Northwind Standard does not cover all preventive care services. For instance, Northwind Standard does not cover cosmetic services or any service that is not medically necessary.

\n

To make the most of your Northwind Standard plan, here are a few tips:

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A48Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A48Z&ske=2025-05-20T12%3A07%3A48Z&sks=b&skv=2024-05-04&sig=95uNn9S26mvIXfS/Zfc5vojC%2BwE6ufAT%2Bm1RjxNNaU4%3D)\n\n\n

Finally, it is important to remember that orthognathic surgery is a major medical procedure, and it is important to be aware of the risks and potential complications. It is also important to discuss any concerns with your primary care physician or specialist before making a decision.

\n

Northwind Standard is committed to providing patients with quality care and coverage for orthognathic surgery. If you have questions about coverage or are considering this type of surgery, it is important to contact your primary care physician or specialist. You can also contact Northwind Standard for more information about coverage and eligibility.

\n

Prescription Drug COVERED SERVICES: Prescription Drugs

\n

The Northwind Standard plan provides coverage for prescription drugs. This includes both brand name and generic medications, as well as over-the-counter drugs when prescribed by a doctor. Northwind Standard also provides coverage for immunizations and vaccinations.

\n

In order to receive coverage for prescription drugs, members must use one of Northwind Health's preferred pharmacies. Preferred pharmacies offer the lowest copayments, and they also provide additional cost savings benefits. To find a preferred pharmacy in your area, you can use the Find a Pharmacy tool on the Northwind Health website.

\n

When filling a prescription, you can choose to receive your medications through the mail. This option is convenient and can help you save money. You can also request prescription refills online or by phone, and you can even use a mobile app to manage your prescriptions.

\n

When using a preferred pharmacy, you may be able to take advantage of discounts on generic medications. This can help to reduce your out-of-pocket costs. In addition, your pharmacy may offer additional savings on brand-name medications, such as 90-day supplies or three-month supplies.

\n

It's important to note that the Northwind Standard plan does not cover certain medications, including drugs used for weight loss or fertility treatments, compounded medications, or drugs that are not FDA-approved. You should always check with your doctor or pharmacist to make sure that your prescription is covered under the Northwind Standard plan.

", "latency": 6.431411, "response_length": 661} +{"query": "Are there any restrictions or limitations on specific medications?", "ground_truth": "Yes, there are several restrictions and limitations on specific medications under the Northwind Health Plus plan:\n\n1. **Non-FDA approved medications** are not covered [doc1].\n2. **Non-prescription vitamins and supplements** are excluded from coverage [doc2].\n3. **Drugs for cosmetic or elective purposes** are not covered [doc3].\n4. **Drugs for fertility treatments** are excluded [doc4].\n5. **Drugs for weight loss or gain** are not covered [doc5].\n6. **Experimental or investigational drugs** are not covered [doc6].\n7. **Allergy medications available over-the-counter** and **allergy shots not prescribed by a doctor** are not covered [doc7].\n8. **Alternative treatments**, such as herbal remedies or homeopathic treatments, are not covered [doc8].\n9. **Certain medications for orthognathic surgery** are not covered unless they are prescribed by a doctor and deemed medically necessary [doc9].\n10. **Chemotherapy and radiation therapy services** that are not specifically listed in the plan document are not covered [doc10].\n\nThese restrictions ensure that only medically necessary and approved treatments are covered under the plan.", "context": "Northwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A56Z&ske=2025-05-20T12%3A07%3A56Z&sks=b&skv=2024-05-04&sig=YLRXbvtdkKH7w2KBfSo2s%2BTVN8pt5hUxGjO6iAUXFsQ%3D)\n\n\n

Exceptions

\n

While Northwind Health Plus covers a wide variety of drug classes, there are some exceptions. These exceptions include:

\n

\u00b7 Non-FDA approved medications

\n

\u00b7 Non-prescription vitamins and supplements

\n

\u00b7 Drugs for cosmetic or elective purposes

\n

\u00b7 Drugs for fertility treatments

\n

\u00b7 Drugs for weight loss or gain

\n

In addition, Northwind Health Plus does not cover drugs that are considered experimental or investigational.

Tips For Employees

\n

\u00b7 Be sure to ask your doctor if any of the medications he or she is prescribing are covered by Northwind Health Plus.

\n

. If you fill a prescription for a drug that is not covered by the plan, you may have to pay the full cost.

\n

. Make sure to check the Northwind Health Plus drug list to see if the medications you need are covered by the plan.

\n

. If you have any questions about your coverage, contact Northwind Health Plus customer service.

\n

\u00b7 When you fill a prescription at a retail pharmacy, make sure to present your Northwind Health Plus insurance card so that you can receive the discounted rate.

\n

\u00b7 If you have a chronic condition, consider using a mail order pharmacy to get up to a 90- day supply of medications. This can help you save money.

\n

\u00b7 If you have any questions about your benefits, contact your employer's human resources department. They can provide you with more information about your coverage.

\n

Preventive Care COVERED SERVICES: Preventive Care

\n

Northwind Health Plus provides coverage for preventive care services. Preventive care is an important part of staying healthy and managing existing health conditions, and Northwind Health Plus covers many different types of preventive care services.

\n

Routine Physicals:

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A56Z&ske=2025-05-20T12%3A07%3A56Z&sks=b&skv=2024-05-04&sig=YLRXbvtdkKH7w2KBfSo2s%2BTVN8pt5hUxGjO6iAUXFsQ%3D)\n\n\n

Exceptions

\n

While Northwind Health Plus covers a wide variety of drug classes, there are some exceptions. These exceptions include:

\n

\u00b7 Non-FDA approved medications

\n

\u00b7 Non-prescription vitamins and supplements

\n

\u00b7 Drugs for cosmetic or elective purposes

\n

\u00b7 Drugs for fertility treatments

\n

\u00b7 Drugs for weight loss or gain

\n

In addition, Northwind Health Plus does not cover drugs that are considered experimental or investigational.

Tips For Employees

\n

\u00b7 Be sure to ask your doctor if any of the medications he or she is prescribing are covered by Northwind Health Plus.

\n

. If you fill a prescription for a drug that is not covered by the plan, you may have to pay the full cost.

\n

. Make sure to check the Northwind Health Plus drug list to see if the medications you need are covered by the plan.

\n

. If you have any questions about your coverage, contact Northwind Health Plus customer service.

\n

\u00b7 When you fill a prescription at a retail pharmacy, make sure to present your Northwind Health Plus insurance card so that you can receive the discounted rate.

\n

\u00b7 If you have a chronic condition, consider using a mail order pharmacy to get up to a 90- day supply of medications. This can help you save money.

\n

\u00b7 If you have any questions about your benefits, contact your employer's human resources department. They can provide you with more information about your coverage.

\n

Preventive Care COVERED SERVICES: Preventive Care

\n

Northwind Health Plus provides coverage for preventive care services. Preventive care is an important part of staying healthy and managing existing health conditions, and Northwind Health Plus covers many different types of preventive care services.

\n

Routine Physicals:

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A56Z&ske=2025-05-20T12%3A07%3A56Z&sks=b&skv=2024-05-04&sig=YLRXbvtdkKH7w2KBfSo2s%2BTVN8pt5hUxGjO6iAUXFsQ%3D)\n\n\n

Exceptions

\n

While Northwind Health Plus covers a wide variety of drug classes, there are some exceptions. These exceptions include:

\n

\u00b7 Non-FDA approved medications

\n

\u00b7 Non-prescription vitamins and supplements

\n

\u00b7 Drugs for cosmetic or elective purposes

\n

\u00b7 Drugs for fertility treatments

\n

\u00b7 Drugs for weight loss or gain

\n

In addition, Northwind Health Plus does not cover drugs that are considered experimental or investigational.

Tips For Employees

\n

\u00b7 Be sure to ask your doctor if any of the medications he or she is prescribing are covered by Northwind Health Plus.

\n

. If you fill a prescription for a drug that is not covered by the plan, you may have to pay the full cost.

\n

. Make sure to check the Northwind Health Plus drug list to see if the medications you need are covered by the plan.

\n

. If you have any questions about your coverage, contact Northwind Health Plus customer service.

\n

\u00b7 When you fill a prescription at a retail pharmacy, make sure to present your Northwind Health Plus insurance card so that you can receive the discounted rate.

\n

\u00b7 If you have a chronic condition, consider using a mail order pharmacy to get up to a 90- day supply of medications. This can help you save money.

\n

\u00b7 If you have any questions about your benefits, contact your employer's human resources department. They can provide you with more information about your coverage.

\n

Preventive Care COVERED SERVICES: Preventive Care

\n

Northwind Health Plus provides coverage for preventive care services. Preventive care is an important part of staying healthy and managing existing health conditions, and Northwind Health Plus covers many different types of preventive care services.

\n

Routine Physicals:

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A56Z&ske=2025-05-20T12%3A07%3A56Z&sks=b&skv=2024-05-04&sig=YLRXbvtdkKH7w2KBfSo2s%2BTVN8pt5hUxGjO6iAUXFsQ%3D)\n\n\n

Exceptions

\n

While Northwind Health Plus covers a wide variety of drug classes, there are some exceptions. These exceptions include:

\n

\u00b7 Non-FDA approved medications

\n

\u00b7 Non-prescription vitamins and supplements

\n

\u00b7 Drugs for cosmetic or elective purposes

\n

\u00b7 Drugs for fertility treatments

\n

\u00b7 Drugs for weight loss or gain

\n

In addition, Northwind Health Plus does not cover drugs that are considered experimental or investigational.

Tips For Employees

\n

\u00b7 Be sure to ask your doctor if any of the medications he or she is prescribing are covered by Northwind Health Plus.

\n

. If you fill a prescription for a drug that is not covered by the plan, you may have to pay the full cost.

\n

. Make sure to check the Northwind Health Plus drug list to see if the medications you need are covered by the plan.

\n

. If you have any questions about your coverage, contact Northwind Health Plus customer service.

\n

\u00b7 When you fill a prescription at a retail pharmacy, make sure to present your Northwind Health Plus insurance card so that you can receive the discounted rate.

\n

\u00b7 If you have a chronic condition, consider using a mail order pharmacy to get up to a 90- day supply of medications. This can help you save money.

\n

\u00b7 If you have any questions about your benefits, contact your employer's human resources department. They can provide you with more information about your coverage.

\n

Preventive Care COVERED SERVICES: Preventive Care

\n

Northwind Health Plus provides coverage for preventive care services. Preventive care is an important part of staying healthy and managing existing health conditions, and Northwind Health Plus covers many different types of preventive care services.

\n

Routine Physicals:

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A56Z&ske=2025-05-20T12%3A07%3A56Z&sks=b&skv=2024-05-04&sig=YLRXbvtdkKH7w2KBfSo2s%2BTVN8pt5hUxGjO6iAUXFsQ%3D)\n\n\n

Exceptions

\n

While Northwind Health Plus covers a wide variety of drug classes, there are some exceptions. These exceptions include:

\n

\u00b7 Non-FDA approved medications

\n

\u00b7 Non-prescription vitamins and supplements

\n

\u00b7 Drugs for cosmetic or elective purposes

\n

\u00b7 Drugs for fertility treatments

\n

\u00b7 Drugs for weight loss or gain

\n

In addition, Northwind Health Plus does not cover drugs that are considered experimental or investigational.

Tips For Employees

\n

\u00b7 Be sure to ask your doctor if any of the medications he or she is prescribing are covered by Northwind Health Plus.

\n

. If you fill a prescription for a drug that is not covered by the plan, you may have to pay the full cost.

\n

. Make sure to check the Northwind Health Plus drug list to see if the medications you need are covered by the plan.

\n

. If you have any questions about your coverage, contact Northwind Health Plus customer service.

\n

\u00b7 When you fill a prescription at a retail pharmacy, make sure to present your Northwind Health Plus insurance card so that you can receive the discounted rate.

\n

\u00b7 If you have a chronic condition, consider using a mail order pharmacy to get up to a 90- day supply of medications. This can help you save money.

\n

\u00b7 If you have any questions about your benefits, contact your employer's human resources department. They can provide you with more information about your coverage.

\n

Preventive Care COVERED SERVICES: Preventive Care

\n

Northwind Health Plus provides coverage for preventive care services. Preventive care is an important part of staying healthy and managing existing health conditions, and Northwind Health Plus covers many different types of preventive care services.

\n

Routine Physicals:

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A57Z&ske=2025-05-20T12%3A07%3A57Z&sks=b&skv=2024-05-04&sig=1/Ht3%2BPsMOgr2jK%2Bwl68MX3zWZxWQkD1eYpYsw1yJfM%3D)\n\n\n

Exceptions

\n

While Northwind Health Plus covers a wide variety of drug classes, there are some exceptions. These exceptions include:

\n

\u00b7 Non-FDA approved medications

\n

\u00b7 Non-prescription vitamins and supplements

\n

\u00b7 Drugs for cosmetic or elective purposes

\n

\u00b7 Drugs for fertility treatments

\n

\u00b7 Drugs for weight loss or gain

\n

In addition, Northwind Health Plus does not cover drugs that are considered experimental or investigational.

Tips For Employees

\n

\u00b7 Be sure to ask your doctor if any of the medications he or she is prescribing are covered by Northwind Health Plus.

\n

. If you fill a prescription for a drug that is not covered by the plan, you may have to pay the full cost.

\n

. Make sure to check the Northwind Health Plus drug list to see if the medications you need are covered by the plan.

\n

. If you have any questions about your coverage, contact Northwind Health Plus customer service.

\n

\u00b7 When you fill a prescription at a retail pharmacy, make sure to present your Northwind Health Plus insurance card so that you can receive the discounted rate.

\n

\u00b7 If you have a chronic condition, consider using a mail order pharmacy to get up to a 90- day supply of medications. This can help you save money.

\n

\u00b7 If you have any questions about your benefits, contact your employer's human resources department. They can provide you with more information about your coverage.

\n

Preventive Care COVERED SERVICES: Preventive Care

\n

Northwind Health Plus provides coverage for preventive care services. Preventive care is an important part of staying healthy and managing existing health conditions, and Northwind Health Plus covers many different types of preventive care services.

\n

Routine Physicals:

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A57Z&ske=2025-05-20T12%3A07%3A57Z&sks=b&skv=2024-05-04&sig=1/Ht3%2BPsMOgr2jK%2Bwl68MX3zWZxWQkD1eYpYsw1yJfM%3D)\n\n\n

\u00b7 Allergy medications that are available over-the-counter.

\n

\u00b7 Allergy shots that are not prescribed by a doctor.

\n

\u00b7 Allergy treatments or medications that are considered experimental or unproven. \u00b7 Alternative treatments, such as herbal remedies or homeopathic treatments.

\n

Tips

\n

\u00b7 Talk to your doctor about all of your allergy symptoms, so they can determine the best course of testing and treatment.

\n

\u00b7 Ask your doctor about the cost of any allergy medications that they prescribe.

\n

. Be sure to fill any prescriptions at a pharmacy that is in-network, so you can receive the lowest cost for your medications.

\n

\u00b7 If you are considering an alternative treatment for your allergies, be sure to discuss it with your doctor first.

\n

\u00b7 Keep your receipts for any out-of-pocket expenses related to your allergy testing and treatment, so you can be reimbursed for your expenses.

\n

At Contoso, we are committed to providing our employees with the best coverage for their healthcare needs. With Northwind Health Plus, you can be sure that you are getting the best coverage for your allergy testing and treatment.

\n

Ambulance

\n

COVERED SERVICES: Ambulance

\n

Ambulance services are covered under Northwind Health Plus. This includes any transportation to and from medical facilities, as long as it is medically necessary. In most cases, ambulance services are covered when no other form of transportation is available.

\n

If you need to use an ambulance, it must be one that is in your network and has been approved by Northwind Health. You will be responsible for paying any applicable coinsurance and copays for this service. If you use an out-of-network ambulance, you may be responsible for the entire cost of the service.

When deciding whether you need an ambulance, you should consider your medical condition and the available transportation options. If you are able to use a car or another form of transportation, this will usually be the most cost-effective option. However, if you require medical assistance during transportation, an ambulance may be necessary.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A57Z&ske=2025-05-20T12%3A07%3A57Z&sks=b&skv=2024-05-04&sig=1/Ht3%2BPsMOgr2jK%2Bwl68MX3zWZxWQkD1eYpYsw1yJfM%3D)\n\n\n

\u00b7 Allergy medications that are available over-the-counter.

\n

\u00b7 Allergy shots that are not prescribed by a doctor.

\n

\u00b7 Allergy treatments or medications that are considered experimental or unproven. \u00b7 Alternative treatments, such as herbal remedies or homeopathic treatments.

\n

Tips

\n

\u00b7 Talk to your doctor about all of your allergy symptoms, so they can determine the best course of testing and treatment.

\n

\u00b7 Ask your doctor about the cost of any allergy medications that they prescribe.

\n

. Be sure to fill any prescriptions at a pharmacy that is in-network, so you can receive the lowest cost for your medications.

\n

\u00b7 If you are considering an alternative treatment for your allergies, be sure to discuss it with your doctor first.

\n

\u00b7 Keep your receipts for any out-of-pocket expenses related to your allergy testing and treatment, so you can be reimbursed for your expenses.

\n

At Contoso, we are committed to providing our employees with the best coverage for their healthcare needs. With Northwind Health Plus, you can be sure that you are getting the best coverage for your allergy testing and treatment.

\n

Ambulance

\n

COVERED SERVICES: Ambulance

\n

Ambulance services are covered under Northwind Health Plus. This includes any transportation to and from medical facilities, as long as it is medically necessary. In most cases, ambulance services are covered when no other form of transportation is available.

\n

If you need to use an ambulance, it must be one that is in your network and has been approved by Northwind Health. You will be responsible for paying any applicable coinsurance and copays for this service. If you use an out-of-network ambulance, you may be responsible for the entire cost of the service.

When deciding whether you need an ambulance, you should consider your medical condition and the available transportation options. If you are able to use a car or another form of transportation, this will usually be the most cost-effective option. However, if you require medical assistance during transportation, an ambulance may be necessary.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A57Z&ske=2025-05-20T12%3A07%3A57Z&sks=b&skv=2024-05-04&sig=1/Ht3%2BPsMOgr2jK%2Bwl68MX3zWZxWQkD1eYpYsw1yJfM%3D)\n\n\n

Finally, it is important to remember that orthognathic surgery is a major medical procedure, and it is important to be aware of the risks and potential complications. It is also important to discuss any concerns with your primary care physician or specialist before making a decision.

\n

Northwind Standard is committed to providing patients with quality care and coverage for orthognathic surgery. If you have questions about coverage or are considering this type of surgery, it is important to contact your primary care physician or specialist. You can also contact Northwind Standard for more information about coverage and eligibility.

\n

Prescription Drug COVERED SERVICES: Prescription Drugs

\n

The Northwind Standard plan provides coverage for prescription drugs. This includes both brand name and generic medications, as well as over-the-counter drugs when prescribed by a doctor. Northwind Standard also provides coverage for immunizations and vaccinations.

\n

In order to receive coverage for prescription drugs, members must use one of Northwind Health's preferred pharmacies. Preferred pharmacies offer the lowest copayments, and they also provide additional cost savings benefits. To find a preferred pharmacy in your area, you can use the Find a Pharmacy tool on the Northwind Health website.

\n

When filling a prescription, you can choose to receive your medications through the mail. This option is convenient and can help you save money. You can also request prescription refills online or by phone, and you can even use a mobile app to manage your prescriptions.

\n

When using a preferred pharmacy, you may be able to take advantage of discounts on generic medications. This can help to reduce your out-of-pocket costs. In addition, your pharmacy may offer additional savings on brand-name medications, such as 90-day supplies or three-month supplies.

\n

It's important to note that the Northwind Standard plan does not cover certain medications, including drugs used for weight loss or fertility treatments, compounded medications, or drugs that are not FDA-approved. You should always check with your doctor or pharmacist to make sure that your prescription is covered under the Northwind Standard plan.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A07%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A07%3A57Z&ske=2025-05-20T12%3A07%3A57Z&sks=b&skv=2024-05-04&sig=7mpYTSbM5V%2BfpAA5ChuwZ7P1Wh7AWuCd4nlWBR9SPBo%3D)\n\n\n

\u00b7 Take advantage of the resources available through Northwind Health Plus, such as their 24-hour nurse advice line and their online cost estimator tool.

\n

\u00b7 Ask your doctor or pharmacist if there are generic or over-the-counter alternatives to any medications that are prescribed for chemotherapy and radiation therapy.

\n

By following these tips, employees can make sure they are getting the most out of their coverage for chemotherapy and radiation therapy services. Employees should keep in mind that any services that are not specifically listed in the plan document are not covered.

\n

Clinical Trials

\n

COVERED SERVICES: CLINICAL TRIALS

\n

At Northwind Health Plus, we understand that life-saving treatments can come from clinical trials. That is why we cover certain clinical trials as part of your plan.

\n

What Are Clinical Trials?

\n

Clinical trials are research studies conducted in an effort to identify new treatments, drugs, or procedures that can help improve patient outcomes. A clinical trial typically involves a group of participants who are given a certain type of treatment for a certain period of time. The results of the trial are then evaluated to measure the effectiveness of the treatment.

\n

What Does Northwind Health Plus Cover?

\n

Northwind Health Plus covers certain clinical trials that are approved by the Food and Drug Administration (FDA) and that are considered medically necessary. These clinical trials must also be recommended by your doctor or health care provider. The plan covers FDA- approved drugs, medical treatments, and medical devices that are used in the clinical trial.

\n

What Are Some Exceptions?

\n

Northwind Health Plus does not cover any experimental treatments that are not approved by the FDA or that are not considered medically necessary. Additionally, the plan does not cover any treatments that are used in the clinical trial that are not considered medically necessary. Clinical trials must be recommended by your doctor or health care provider and must be approved by the FDA in order for the plan to cover them.

Tips for Employees

\n

If you are considering participating in a clinical trial, there are a few things to keep in mind:

", "latency": 9.73907, "response_length": 1137} +{"query": "Is there a preferred pharmacy network?", "ground_truth": "The retrieved documents do not provide specific information about a preferred pharmacy network for Northwind Health Plus. They mention that Northwind Standard offers a wide variety of in-network providers, including pharmacies, but do not specify if there is a preferred pharmacy network [doc1]. \n\nThe requested information is not available in the retrieved data. Please try another query or topic.", "context": "Northwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A08%3A04Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A04Z&ske=2025-05-20T12%3A08%3A04Z&sks=b&skv=2024-05-04&sig=6yagKCyNhzoKeLEqIDmpGKtIgck9FGbtfDtvACnoiDA%3D)\n\n\n

\u00b7 Make sure to take advantage of preventive care services. These services are covered 100% by the plan and can help you avoid more costly treatments down the line.

\n

\u00b7 Always make sure to visit in-network providers. Doing so will ensure that you receive the maximum benefit from your plan.

\n

\u00b7 Consider generic prescription drugs when available. These drugs can often be cheaper than brand-name drugs and are just as effective.

\n

\u00b7 Talk to your doctor about ways to save money. Many doctors are willing to work with you to find the most cost-effective treatment options available.

\n

\u00b7 Review your Explanation of Benefits (EOB) statements carefully. This document will show you exactly how much you are being charged for each service and what your plan is covering.

\n

By following these tips, you can ensure that you are getting the most out of your Northwind Standard health plan.

\n

HOW PROVIDERS AFFECT YOUR COSTS

\n

In-Network Providers HOW PROVIDERS AFFECT YOUR COSTS

\n

When selecting a health insurance plan, one of the most important factors to consider is the network of in-network providers that are available with the plan.

\n

Northwind Standard offers a wide variety of in-network providers, ranging from primary care physicians, specialists, hospitals, and pharmacies. This allows you to choose a provider that is convenient for you and your family, while also helping you to keep your costs low.

\n

When you choose a provider that is in-network with your plan, you will typically pay lower copays and deductibles than you would with an out-of-network provider. In addition, many services, such as preventive care, may be covered at no cost when you receive care from an in-network provider.

\n

It is important to note, however, that Northwind Standard does not offer coverage for emergency services, mental health and substance abuse coverage, or out-of-network

services. This means that you may have to pay out of pocket for these services if you receive them from an out-of-network provider.

", "latency": 6.621752, "response_length": 398} +{"query": "Flexible spending accounts (FSAs) or health savings accounts (HSAs): How do Flexible spending accounts (FSAs) or health savings accounts (HSAs) work?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.396577, "response_length": 100} +{"query": "What expenses are eligible for reimbursement?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.134763, "response_length": 100} +{"query": "How can I access the funds in my FSA or HSA?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.227875, "response_length": 100} +{"query": "What retirement plans are available?", "ground_truth": "The available retirement plans include:\n\n1. **Employee Stock Purchase Plan (ESPP)**: Eligible employees can purchase shares of common stock at three-month intervals at 90% of the fair market value on the last trading day of each three-month period. Employees may purchase shares with a value not exceeding 15% of their gross compensation during an offering period. As of June 30, 2023, 74 million shares were reserved for future issuance through the ESPP [doc1][doc2][doc3].\n\n2. **Savings Plans**: These plans qualify under Section 401(k) of the Internal Revenue Code in the U.S., and there are also savings plans available in international locations. Eligible U.S. employees can contribute a portion of their salary into these plans, subject to certain limitations. The company matches a portion of each dollar a participant contributes. Employer-funded retirement benefits for all plans were $1.6 billion, $1.4 billion, and $1.2 billion in fiscal years 2023, 2022, and 2021, respectively, and were expensed as contributed [doc4][doc5][doc6].", "context": "MSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A24Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A24Z&ske=2025-05-20T12%3A08%3A24Z&sks=b&skv=2024-05-04&sig=hlW5DvCSCz6QHkc4wyUWGMeKtjNDR2x164OqK4rZoEA%3D)\n\n\n

Employee Stock Purchase Plan

\n

We have an ESPP for all eligible employees. Shares of our common stock may be purchased by employees at three-month intervals at 90% of the fair market value on the last trading day of each three-month period. Employees may purchase shares having a value not exceeding 15% of their gross compensation during an offering period.

\n

Employees purchased the following shares during the periods presented:

\n

\u00a0

\n

\n

As of June 30, 2023, 74\u00a0million shares of our common stock were reserved for future issuance through the ESPP.

\n

Savings Plans

\n

We have savings plans in the U.S. that qualify under Section\u00a0401(k) of the Internal Revenue Code, and a number of savings plans in international locations. Eligible U.S. employees may contribute a portion of their salary into the savings plans, subject to certain limitations. We match a portion of each dollar a participant contributes into the plans. Employer-funded retirement benefits for all plans were $1.6 billion, $1.4 billion, and $1.2 billion in fiscal years 2023, 2022, and 2021, respectively, and were expensed as contributed.

\n

NOTE 19\u00a0\u2014\u00a0SEGMENT INFORMATION AND GEOGRAPHIC DATA

\n

In its operation of the business, management, including our chief operating decision maker, who is also our Chief Executive Officer, reviews certain financial information, including segmented internal profit and loss statements prepared on a basis not consistent with GAAP. During the periods presented, we reported our financial performance based on the following segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing.

\n

We have recast certain prior period amounts to conform to the way we internally manage and monitor our business.

\n

Our reportable segments are described below.

\n

Productivity and Business Processes

\n

Our Productivity and Business Processes segment consists of products and services in our portfolio of productivity, communication, and information services, spanning a variety of devices and platforms. This segment primarily comprises:

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A08%3A24Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A24Z&ske=2025-05-20T12%3A08%3A24Z&sks=b&skv=2024-05-04&sig=hlW5DvCSCz6QHkc4wyUWGMeKtjNDR2x164OqK4rZoEA%3D)\n\n\n

Employee Stock Purchase Plan

\n

We have an ESPP for all eligible employees. Shares of our common stock may be purchased by employees at three-month intervals at 90% of the fair market value on the last trading day of each three-month period. Employees may purchase shares having a value not exceeding 15% of their gross compensation during an offering period.

\n

Employees purchased the following shares during the periods presented:

\n

\u00a0

\n

\n

As of June 30, 2023, 74\u00a0million shares of our common stock were reserved for future issuance through the ESPP.

\n

Savings Plans

\n

We have savings plans in the U.S. that qualify under Section\u00a0401(k) of the Internal Revenue Code, and a number of savings plans in international locations. Eligible U.S. employees may contribute a portion of their salary into the savings plans, subject to certain limitations. We match a portion of each dollar a participant contributes into the plans. Employer-funded retirement benefits for all plans were $1.6 billion, $1.4 billion, and $1.2 billion in fiscal years 2023, 2022, and 2021, respectively, and were expensed as contributed.

\n

NOTE 19\u00a0\u2014\u00a0SEGMENT INFORMATION AND GEOGRAPHIC DATA

\n

In its operation of the business, management, including our chief operating decision maker, who is also our Chief Executive Officer, reviews certain financial information, including segmented internal profit and loss statements prepared on a basis not consistent with GAAP. During the periods presented, we reported our financial performance based on the following segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing.

\n

We have recast certain prior period amounts to conform to the way we internally manage and monitor our business.

\n

Our reportable segments are described below.

\n

Productivity and Business Processes

\n

Our Productivity and Business Processes segment consists of products and services in our portfolio of productivity, communication, and information services, spanning a variety of devices and platforms. This segment primarily comprises:

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A24Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A24Z&ske=2025-05-20T12%3A08%3A24Z&sks=b&skv=2024-05-04&sig=hlW5DvCSCz6QHkc4wyUWGMeKtjNDR2x164OqK4rZoEA%3D)\n\n\n

Employee Stock Purchase Plan

\n

We have an ESPP for all eligible employees. Shares of our common stock may be purchased by employees at three-month intervals at 90% of the fair market value on the last trading day of each three-month period. Employees may purchase shares having a value not exceeding 15% of their gross compensation during an offering period.

\n

Employees purchased the following shares during the periods presented:

\n

\u00a0

\n

\n

As of June 30, 2023, 74\u00a0million shares of our common stock were reserved for future issuance through the ESPP.

\n

Savings Plans

\n

We have savings plans in the U.S. that qualify under Section\u00a0401(k) of the Internal Revenue Code, and a number of savings plans in international locations. Eligible U.S. employees may contribute a portion of their salary into the savings plans, subject to certain limitations. We match a portion of each dollar a participant contributes into the plans. Employer-funded retirement benefits for all plans were $1.6 billion, $1.4 billion, and $1.2 billion in fiscal years 2023, 2022, and 2021, respectively, and were expensed as contributed.

\n

NOTE 19\u00a0\u2014\u00a0SEGMENT INFORMATION AND GEOGRAPHIC DATA

\n

In its operation of the business, management, including our chief operating decision maker, who is also our Chief Executive Officer, reviews certain financial information, including segmented internal profit and loss statements prepared on a basis not consistent with GAAP. During the periods presented, we reported our financial performance based on the following segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing.

\n

We have recast certain prior period amounts to conform to the way we internally manage and monitor our business.

\n

Our reportable segments are described below.

\n

Productivity and Business Processes

\n

Our Productivity and Business Processes segment consists of products and services in our portfolio of productivity, communication, and information services, spanning a variety of devices and platforms. This segment primarily comprises:

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A24Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A24Z&ske=2025-05-20T12%3A08%3A24Z&sks=b&skv=2024-05-04&sig=hlW5DvCSCz6QHkc4wyUWGMeKtjNDR2x164OqK4rZoEA%3D)\n\n\n

Employee Stock Purchase Plan

\n

We have an ESPP for all eligible employees. Shares of our common stock may be purchased by employees at three-month intervals at 90% of the fair market value on the last trading day of each three-month period. Employees may purchase shares having a value not exceeding 15% of their gross compensation during an offering period.

\n

Employees purchased the following shares during the periods presented:

\n

\u00a0

\n

\n

As of June 30, 2023, 74\u00a0million shares of our common stock were reserved for future issuance through the ESPP.

\n

Savings Plans

\n

We have savings plans in the U.S. that qualify under Section\u00a0401(k) of the Internal Revenue Code, and a number of savings plans in international locations. Eligible U.S. employees may contribute a portion of their salary into the savings plans, subject to certain limitations. We match a portion of each dollar a participant contributes into the plans. Employer-funded retirement benefits for all plans were $1.6 billion, $1.4 billion, and $1.2 billion in fiscal years 2023, 2022, and 2021, respectively, and were expensed as contributed.

\n

NOTE 19\u00a0\u2014\u00a0SEGMENT INFORMATION AND GEOGRAPHIC DATA

\n

In its operation of the business, management, including our chief operating decision maker, who is also our Chief Executive Officer, reviews certain financial information, including segmented internal profit and loss statements prepared on a basis not consistent with GAAP. During the periods presented, we reported our financial performance based on the following segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing.

\n

We have recast certain prior period amounts to conform to the way we internally manage and monitor our business.

\n

Our reportable segments are described below.

\n

Productivity and Business Processes

\n

Our Productivity and Business Processes segment consists of products and services in our portfolio of productivity, communication, and information services, spanning a variety of devices and platforms. This segment primarily comprises:

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A08%3A25Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A24Z&ske=2025-05-20T12%3A08%3A24Z&sks=b&skv=2024-05-04&sig=0d0r4z1A9K0IPSWE6kR9SRGqaMdGh/vPd3PLK7ek6tg%3D)\n\n\n

Employee Stock Purchase Plan

\n

We have an ESPP for all eligible employees. Shares of our common stock may be purchased by employees at three-month intervals at 90% of the fair market value on the last trading day of each three-month period. Employees may purchase shares having a value not exceeding 15% of their gross compensation during an offering period.

\n

Employees purchased the following shares during the periods presented:

\n

\u00a0

\n

\n

As of June 30, 2023, 74\u00a0million shares of our common stock were reserved for future issuance through the ESPP.

\n

Savings Plans

\n

We have savings plans in the U.S. that qualify under Section\u00a0401(k) of the Internal Revenue Code, and a number of savings plans in international locations. Eligible U.S. employees may contribute a portion of their salary into the savings plans, subject to certain limitations. We match a portion of each dollar a participant contributes into the plans. Employer-funded retirement benefits for all plans were $1.6 billion, $1.4 billion, and $1.2 billion in fiscal years 2023, 2022, and 2021, respectively, and were expensed as contributed.

\n

NOTE 19\u00a0\u2014\u00a0SEGMENT INFORMATION AND GEOGRAPHIC DATA

\n

In its operation of the business, management, including our chief operating decision maker, who is also our Chief Executive Officer, reviews certain financial information, including segmented internal profit and loss statements prepared on a basis not consistent with GAAP. During the periods presented, we reported our financial performance based on the following segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing.

\n

We have recast certain prior period amounts to conform to the way we internally manage and monitor our business.

\n

Our reportable segments are described below.

\n

Productivity and Business Processes

\n

Our Productivity and Business Processes segment consists of products and services in our portfolio of productivity, communication, and information services, spanning a variety of devices and platforms. This segment primarily comprises:

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A25Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A25Z&ske=2025-05-20T12%3A08%3A25Z&sks=b&skv=2024-05-04&sig=iOjUqwnOZiNhi/dNn7O2WNVeaG0L%2BYfHcZ%2BZ8cFzAUg%3D)\n\n\n

Employee Stock Purchase Plan

\n

We have an ESPP for all eligible employees. Shares of our common stock may be purchased by employees at three-month intervals at 90% of the fair market value on the last trading day of each three-month period. Employees may purchase shares having a value not exceeding 15% of their gross compensation during an offering period.

\n

Employees purchased the following shares during the periods presented:

\n

\u00a0

\n

\n

As of June 30, 2023, 74\u00a0million shares of our common stock were reserved for future issuance through the ESPP.

\n

Savings Plans

\n

We have savings plans in the U.S. that qualify under Section\u00a0401(k) of the Internal Revenue Code, and a number of savings plans in international locations. Eligible U.S. employees may contribute a portion of their salary into the savings plans, subject to certain limitations. We match a portion of each dollar a participant contributes into the plans. Employer-funded retirement benefits for all plans were $1.6 billion, $1.4 billion, and $1.2 billion in fiscal years 2023, 2022, and 2021, respectively, and were expensed as contributed.

\n

NOTE 19\u00a0\u2014\u00a0SEGMENT INFORMATION AND GEOGRAPHIC DATA

\n

In its operation of the business, management, including our chief operating decision maker, who is also our Chief Executive Officer, reviews certain financial information, including segmented internal profit and loss statements prepared on a basis not consistent with GAAP. During the periods presented, we reported our financial performance based on the following segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing.

\n

We have recast certain prior period amounts to conform to the way we internally manage and monitor our business.

\n

Our reportable segments are described below.

\n

Productivity and Business Processes

\n

Our Productivity and Business Processes segment consists of products and services in our portfolio of productivity, communication, and information services, spanning a variety of devices and platforms. This segment primarily comprises:

", "latency": 7.813784, "response_length": 1043} +{"query": "How does the employer match contributions, if applicable?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.096435, "response_length": 100} +{"query": "What investment options are available?", "ground_truth": "The investment options available include:\n\n1. **Equity Investments**: These include investments without readily determinable fair values measured using the equity method or at cost with adjustments for observable changes in price or impairments. As of June 30, 2023, equity investments were valued at $9.9 billion [doc1][doc2][doc3].\n\n2. **Debt Investments**: These consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. They include U.S. dollar-denominated securities and foreign currency-denominated securities to diversify risk. The fixed-income investments are exposed to interest rate risk and credit risk [doc4][doc5][doc6].\n\n3. **Short-term Investments**: These are primarily intended to facilitate liquidity and capital preservation. They include commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities [doc7][doc8][doc9].\n\n4. **Derivative Instruments**: These are used to manage risks related to foreign currencies, interest rates, equity prices, and credit, as well as to enhance investment returns and facilitate portfolio diversification. The derivative programs include strategies that both qualify and do not qualify for hedge accounting treatment [doc10][doc11].\n\nThese investment options are managed to achieve economic returns that correlate to certain fixed-income indices, with the settlement risk being insignificant due to the highly liquid nature of the investment-grade fixed-income securities [doc12][doc13][doc14].", "context": "MSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A37Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A37Z&ske=2025-05-20T12%3A08%3A37Z&sks=b&skv=2024-05-04&sig=DczIWymIsGHP/dPf7fVaKsBTmD4ywjlO88LN1GKmRCU%3D)\n\n\n

\n

NOTE 4\u00a0\u2014\u00a0INVESTMENTS

\n

Investment Components

\n

The components of investments were as follows:

\n

\n

(a)\tRefer to Note 5 \u2013 Derivatives for further information on the fair value of our derivative instruments.

\n

Equity investments presented as \u201cOther\u201d in the tables above include investments without readily determinable fair values measured using the equity method or measured at cost with adjustments for observable changes in price or impairments, and investments measured at fair value using net asset value as a practical expedient which are not categorized in the fair value hierarchy. As of June 30, 2023 and 2022, equity investments without readily determinable fair values measured at cost with adjustments for observable changes in price or impairments were $4.2 billion and $3.8 billion, respectively.

\n

Unrealized Losses on Debt Investments

\n

Debt investments with continuous unrealized losses for less than 12 months and 12 months or greater and their related fair values were as follows:

\n

\u00a0

\n

\n

\n

Unrealized losses from fixed-income securities are primarily attributable to changes in interest rates. Management does not believe any remaining unrealized losses represent impairments based on our evaluation of available evidence.

\n

Debt Investment Maturities

\n

\u00a0

\n

NOTE 5 \u2014 DERIVATIVES

\n

We use derivative instruments to manage risks related to foreign currencies, interest rates, equity prices, and credit; to enhance investment returns; and to facilitate portfolio diversification. Our objectives for holding derivatives include reducing, eliminating, and efficiently managing the economic impact of these exposures as effectively as possible. Our derivative programs include strategies that both qualify and do not qualify for hedge accounting treatment.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A37Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A37Z&ske=2025-05-20T12%3A08%3A37Z&sks=b&skv=2024-05-04&sig=DczIWymIsGHP/dPf7fVaKsBTmD4ywjlO88LN1GKmRCU%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A37Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A37Z&ske=2025-05-20T12%3A08%3A37Z&sks=b&skv=2024-05-04&sig=DczIWymIsGHP/dPf7fVaKsBTmD4ywjlO88LN1GKmRCU%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A38Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A38Z&ske=2025-05-20T12%3A08%3A38Z&sks=b&skv=2024-05-04&sig=l4UTKKsdE7MEYCKhoStaX52T8mPqzKwV8gQBqXfUpMA%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A38Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A38Z&ske=2025-05-20T12%3A08%3A38Z&sks=b&skv=2024-05-04&sig=l4UTKKsdE7MEYCKhoStaX52T8mPqzKwV8gQBqXfUpMA%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A08%3A38Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A38Z&ske=2025-05-20T12%3A08%3A38Z&sks=b&skv=2024-05-04&sig=l4UTKKsdE7MEYCKhoStaX52T8mPqzKwV8gQBqXfUpMA%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A38Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A38Z&ske=2025-05-20T12%3A08%3A38Z&sks=b&skv=2024-05-04&sig=l4UTKKsdE7MEYCKhoStaX52T8mPqzKwV8gQBqXfUpMA%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A39Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A38Z&ske=2025-05-20T12%3A08%3A38Z&sks=b&skv=2024-05-04&sig=SybngE74u3cjL%2B/rDftz7u6TYstDNrsDdXoSIYGAzew%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A08%3A39Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A39Z&ske=2025-05-20T12%3A08%3A39Z&sks=b&skv=2024-05-04&sig=8FXWC1SgTNzjHc7VnBAIy/SdKodgi2Cfuy9J6wpr2qI%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A39Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A39Z&ske=2025-05-20T12%3A08%3A39Z&sks=b&skv=2024-05-04&sig=8FXWC1SgTNzjHc7VnBAIy/SdKodgi2Cfuy9J6wpr2qI%3D)\n\n\n

\n

NOTE 4\u00a0\u2014\u00a0INVESTMENTS

\n

Investment Components

\n

The components of investments were as follows:

\n

\n

(a)\tRefer to Note 5 \u2013 Derivatives for further information on the fair value of our derivative instruments.

\n

Equity investments presented as \u201cOther\u201d in the tables above include investments without readily determinable fair values measured using the equity method or measured at cost with adjustments for observable changes in price or impairments, and investments measured at fair value using net asset value as a practical expedient which are not categorized in the fair value hierarchy. As of June 30, 2023 and 2022, equity investments without readily determinable fair values measured at cost with adjustments for observable changes in price or impairments were $4.2 billion and $3.8 billion, respectively.

\n

Unrealized Losses on Debt Investments

\n

Debt investments with continuous unrealized losses for less than 12 months and 12 months or greater and their related fair values were as follows:

\n

\u00a0

\n

\n

\n

Unrealized losses from fixed-income securities are primarily attributable to changes in interest rates. Management does not believe any remaining unrealized losses represent impairments based on our evaluation of available evidence.

\n

Debt Investment Maturities

\n

\u00a0

\n

NOTE 5 \u2014 DERIVATIVES

\n

We use derivative instruments to manage risks related to foreign currencies, interest rates, equity prices, and credit; to enhance investment returns; and to facilitate portfolio diversification. Our objectives for holding derivatives include reducing, eliminating, and efficiently managing the economic impact of these exposures as effectively as possible. Our derivative programs include strategies that both qualify and do not qualify for hedge accounting treatment.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A39Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A39Z&ske=2025-05-20T12%3A08%3A39Z&sks=b&skv=2024-05-04&sig=8FXWC1SgTNzjHc7VnBAIy/SdKodgi2Cfuy9J6wpr2qI%3D)\n\n\n

\n

NOTE 4\u00a0\u2014\u00a0INVESTMENTS

\n

Investment Components

\n

The components of investments were as follows:

\n

\n

(a)\tRefer to Note 5 \u2013 Derivatives for further information on the fair value of our derivative instruments.

\n

Equity investments presented as \u201cOther\u201d in the tables above include investments without readily determinable fair values measured using the equity method or measured at cost with adjustments for observable changes in price or impairments, and investments measured at fair value using net asset value as a practical expedient which are not categorized in the fair value hierarchy. As of June 30, 2023 and 2022, equity investments without readily determinable fair values measured at cost with adjustments for observable changes in price or impairments were $4.2 billion and $3.8 billion, respectively.

\n

Unrealized Losses on Debt Investments

\n

Debt investments with continuous unrealized losses for less than 12 months and 12 months or greater and their related fair values were as follows:

\n

\u00a0

\n

\n

\n

Unrealized losses from fixed-income securities are primarily attributable to changes in interest rates. Management does not believe any remaining unrealized losses represent impairments based on our evaluation of available evidence.

\n

Debt Investment Maturities

\n

\u00a0

\n

NOTE 5 \u2014 DERIVATIVES

\n

We use derivative instruments to manage risks related to foreign currencies, interest rates, equity prices, and credit; to enhance investment returns; and to facilitate portfolio diversification. Our objectives for holding derivatives include reducing, eliminating, and efficiently managing the economic impact of these exposures as effectively as possible. Our derivative programs include strategies that both qualify and do not qualify for hedge accounting treatment.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A39Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A39Z&ske=2025-05-20T12%3A08%3A39Z&sks=b&skv=2024-05-04&sig=8FXWC1SgTNzjHc7VnBAIy/SdKodgi2Cfuy9J6wpr2qI%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A40Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A39Z&ske=2025-05-20T12%3A08%3A39Z&sks=b&skv=2024-05-04&sig=/UkyqQpUbTNUIH7TFR84SsMuVNGgV2LxNXBeNFdj/hI%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A08%3A40Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A40Z&ske=2025-05-20T12%3A08%3A40Z&sks=b&skv=2024-05-04&sig=v4l5uex75y1qI4ri48GenlAoKff4nkGW0O8j8evoris%3D)\n\n\n

Cash, Cash Equivalents, and Investments

\n

Cash, cash equivalents, and short-term investments totaled $111.3 billion and $104.8 billion as of June 30, 2023 and 2022, respectively. Equity investments were $9.9 billion and $6.9 billion as of June 30, 2023 and 2022, respectively. Our short-term investments are primarily intended to facilitate liquidity and capital preservation. They consist predominantly of highly liquid investment-grade fixed-income securities, diversified among industries and individual issuers. The investments are predominantly U.S. dollar-denominated securities, but also include foreign currency-denominated securities to diversify risk. Our fixed-income investments are exposed to interest rate risk and credit risk. The credit risk and average maturity of our fixed-income portfolio are managed to achieve economic returns that correlate to certain fixed-income indices. The settlement risk related to these investments is insignificant given that the short-term investments held are primarily highly liquid investment-grade fixed-income securities.

\n

Valuation

\n

In general, and where applicable, we use quoted prices in active markets for identical assets or liabilities to determine the fair value of our financial instruments. This pricing methodology applies to our Level 1 investments, such as U.S. government securities, common and preferred stock, and mutual funds. If quoted prices in active markets for identical assets or liabilities are not available to determine fair value, then we use quoted prices for similar assets and liabilities or inputs other than the quoted prices that are observable either directly or indirectly. This pricing methodology applies to our Level 2 investments, such as commercial paper, certificates of deposit, U.S. agency securities, foreign government bonds, mortgage- and asset-backed securities, corporate notes and bonds, and municipal securities. Level 3 investments are valued using internally-developed models with unobservable inputs. Assets and liabilities measured at fair value on a recurring basis using unobservable inputs are an immaterial portion of our portfolio.

", "latency": 11.024082, "response_length": 1646} +{"query": "What are the vesting rules?", "ground_truth": "The vesting rules for stock awards under Microsoft's stock plans are as follows:\n\n1. **Stock Awards**: These generally vest over a service period of four or five years[doc1][doc2][doc3].\n2. **Executive Incentive Plan**:\n - **Restricted Stock Units (RSUs)**: These generally vest ratably over a service period of four years[doc4][doc5][doc6].\n - **Performance Stock Units (PSUs)**: These generally vest over a performance period of three years, with the number of shares received based on the extent to which the corresponding performance goals have been achieved[doc7][doc8][doc9].", "context": "MSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A08%3A46Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A46Z&ske=2025-05-20T12%3A08%3A46Z&sks=b&skv=2024-05-04&sig=A2frm5K8jYVObaKF5TsEgIqyywuIT8vKDs49eAv02Cs%3D)\n\n\n

Stock-based compensation expense and related income tax benefits were as follows:

\n

\u00a0

\n

Stock Plans

\n

Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years.

\n

Executive Incentive Plan

\n

Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of three years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved.

\n

Activity for All Stock Plans

\n

The fair value of stock awards was estimated on the date of grant using the following assumptions:

\n

\u00a0

\n

During fiscal year 2023, the following activity occurred under our stock plans:

\n

\u00a0

\n

(a)\tIncludes 1 million, 1 million, and 2 million of PSUs granted at target and performance adjustments above target levels for fiscal years 2023, 2022, and 2021, respectively.

\n

As of June 30, 2023, total unrecognized compensation costs related to stock awards were $18.6 billion. These costs are expected to be recognized over a weighted average period of three years. The weighted average grant-date fair value of stock awards granted was $252.59, $291.22, and $221.13 for fiscal years 2023, 2022, and 2021, respectively. The fair value of stock awards vested was $11.9 billion, $14.1 billion, and $13.4 billion, for fiscal years 2023, 2022, and 2021, respectively. As of June 30, 2023, an aggregate of 164 million shares were authorized for future grant under our stock plans.

\n

Employee Stock Purchase Plan

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A46Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A46Z&ske=2025-05-20T12%3A08%3A46Z&sks=b&skv=2024-05-04&sig=A2frm5K8jYVObaKF5TsEgIqyywuIT8vKDs49eAv02Cs%3D)\n\n\n

Stock-based compensation expense and related income tax benefits were as follows:

\n

\u00a0

\n

Stock Plans

\n

Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years.

\n

Executive Incentive Plan

\n

Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of three years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved.

\n

Activity for All Stock Plans

\n

The fair value of stock awards was estimated on the date of grant using the following assumptions:

\n

\u00a0

\n

During fiscal year 2023, the following activity occurred under our stock plans:

\n

\u00a0

\n

(a)\tIncludes 1 million, 1 million, and 2 million of PSUs granted at target and performance adjustments above target levels for fiscal years 2023, 2022, and 2021, respectively.

\n

As of June 30, 2023, total unrecognized compensation costs related to stock awards were $18.6 billion. These costs are expected to be recognized over a weighted average period of three years. The weighted average grant-date fair value of stock awards granted was $252.59, $291.22, and $221.13 for fiscal years 2023, 2022, and 2021, respectively. The fair value of stock awards vested was $11.9 billion, $14.1 billion, and $13.4 billion, for fiscal years 2023, 2022, and 2021, respectively. As of June 30, 2023, an aggregate of 164 million shares were authorized for future grant under our stock plans.

\n

Employee Stock Purchase Plan

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A46Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A46Z&ske=2025-05-20T12%3A08%3A46Z&sks=b&skv=2024-05-04&sig=A2frm5K8jYVObaKF5TsEgIqyywuIT8vKDs49eAv02Cs%3D)\n\n\n

Stock-based compensation expense and related income tax benefits were as follows:

\n

\u00a0

\n

Stock Plans

\n

Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years.

\n

Executive Incentive Plan

\n

Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of three years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved.

\n

Activity for All Stock Plans

\n

The fair value of stock awards was estimated on the date of grant using the following assumptions:

\n

\u00a0

\n

During fiscal year 2023, the following activity occurred under our stock plans:

\n

\u00a0

\n

(a)\tIncludes 1 million, 1 million, and 2 million of PSUs granted at target and performance adjustments above target levels for fiscal years 2023, 2022, and 2021, respectively.

\n

As of June 30, 2023, total unrecognized compensation costs related to stock awards were $18.6 billion. These costs are expected to be recognized over a weighted average period of three years. The weighted average grant-date fair value of stock awards granted was $252.59, $291.22, and $221.13 for fiscal years 2023, 2022, and 2021, respectively. The fair value of stock awards vested was $11.9 billion, $14.1 billion, and $13.4 billion, for fiscal years 2023, 2022, and 2021, respectively. As of June 30, 2023, an aggregate of 164 million shares were authorized for future grant under our stock plans.

\n

Employee Stock Purchase Plan

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A08%3A46Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A46Z&ske=2025-05-20T12%3A08%3A46Z&sks=b&skv=2024-05-04&sig=A2frm5K8jYVObaKF5TsEgIqyywuIT8vKDs49eAv02Cs%3D)\n\n\n

Stock-based compensation expense and related income tax benefits were as follows:

\n

\u00a0

\n

Stock Plans

\n

Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years.

\n

Executive Incentive Plan

\n

Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of three years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved.

\n

Activity for All Stock Plans

\n

The fair value of stock awards was estimated on the date of grant using the following assumptions:

\n

\u00a0

\n

During fiscal year 2023, the following activity occurred under our stock plans:

\n

\u00a0

\n

(a)\tIncludes 1 million, 1 million, and 2 million of PSUs granted at target and performance adjustments above target levels for fiscal years 2023, 2022, and 2021, respectively.

\n

As of June 30, 2023, total unrecognized compensation costs related to stock awards were $18.6 billion. These costs are expected to be recognized over a weighted average period of three years. The weighted average grant-date fair value of stock awards granted was $252.59, $291.22, and $221.13 for fiscal years 2023, 2022, and 2021, respectively. The fair value of stock awards vested was $11.9 billion, $14.1 billion, and $13.4 billion, for fiscal years 2023, 2022, and 2021, respectively. As of June 30, 2023, an aggregate of 164 million shares were authorized for future grant under our stock plans.

\n

Employee Stock Purchase Plan

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A47Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A47Z&ske=2025-05-20T12%3A08%3A47Z&sks=b&skv=2024-05-04&sig=R%2B5Xd4iJ%2BMpDxb9f1P71cspZ8CO13CkaHP4TWOcq2%2BY%3D)\n\n\n

Stock-based compensation expense and related income tax benefits were as follows:

\n

\u00a0

\n

Stock Plans

\n

Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years.

\n

Executive Incentive Plan

\n

Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of three years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved.

\n

Activity for All Stock Plans

\n

The fair value of stock awards was estimated on the date of grant using the following assumptions:

\n

\u00a0

\n

During fiscal year 2023, the following activity occurred under our stock plans:

\n

\u00a0

\n

(a)\tIncludes 1 million, 1 million, and 2 million of PSUs granted at target and performance adjustments above target levels for fiscal years 2023, 2022, and 2021, respectively.

\n

As of June 30, 2023, total unrecognized compensation costs related to stock awards were $18.6 billion. These costs are expected to be recognized over a weighted average period of three years. The weighted average grant-date fair value of stock awards granted was $252.59, $291.22, and $221.13 for fiscal years 2023, 2022, and 2021, respectively. The fair value of stock awards vested was $11.9 billion, $14.1 billion, and $13.4 billion, for fiscal years 2023, 2022, and 2021, respectively. As of June 30, 2023, an aggregate of 164 million shares were authorized for future grant under our stock plans.

\n

Employee Stock Purchase Plan

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A47Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A47Z&ske=2025-05-20T12%3A08%3A47Z&sks=b&skv=2024-05-04&sig=R%2B5Xd4iJ%2BMpDxb9f1P71cspZ8CO13CkaHP4TWOcq2%2BY%3D)\n\n\n

Stock-based compensation expense and related income tax benefits were as follows:

\n

\u00a0

\n

Stock Plans

\n

Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years.

\n

Executive Incentive Plan

\n

Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of three years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved.

\n

Activity for All Stock Plans

\n

The fair value of stock awards was estimated on the date of grant using the following assumptions:

\n

\u00a0

\n

During fiscal year 2023, the following activity occurred under our stock plans:

\n

\u00a0

\n

(a)\tIncludes 1 million, 1 million, and 2 million of PSUs granted at target and performance adjustments above target levels for fiscal years 2023, 2022, and 2021, respectively.

\n

As of June 30, 2023, total unrecognized compensation costs related to stock awards were $18.6 billion. These costs are expected to be recognized over a weighted average period of three years. The weighted average grant-date fair value of stock awards granted was $252.59, $291.22, and $221.13 for fiscal years 2023, 2022, and 2021, respectively. The fair value of stock awards vested was $11.9 billion, $14.1 billion, and $13.4 billion, for fiscal years 2023, 2022, and 2021, respectively. As of June 30, 2023, an aggregate of 164 million shares were authorized for future grant under our stock plans.

\n

Employee Stock Purchase Plan

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A08%3A47Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A47Z&ske=2025-05-20T12%3A08%3A47Z&sks=b&skv=2024-05-04&sig=R%2B5Xd4iJ%2BMpDxb9f1P71cspZ8CO13CkaHP4TWOcq2%2BY%3D)\n\n\n

Stock-based compensation expense and related income tax benefits were as follows:

\n

\u00a0

\n

Stock Plans

\n

Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years.

\n

Executive Incentive Plan

\n

Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of three years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved.

\n

Activity for All Stock Plans

\n

The fair value of stock awards was estimated on the date of grant using the following assumptions:

\n

\u00a0

\n

During fiscal year 2023, the following activity occurred under our stock plans:

\n

\u00a0

\n

(a)\tIncludes 1 million, 1 million, and 2 million of PSUs granted at target and performance adjustments above target levels for fiscal years 2023, 2022, and 2021, respectively.

\n

As of June 30, 2023, total unrecognized compensation costs related to stock awards were $18.6 billion. These costs are expected to be recognized over a weighted average period of three years. The weighted average grant-date fair value of stock awards granted was $252.59, $291.22, and $221.13 for fiscal years 2023, 2022, and 2021, respectively. The fair value of stock awards vested was $11.9 billion, $14.1 billion, and $13.4 billion, for fiscal years 2023, 2022, and 2021, respectively. As of June 30, 2023, an aggregate of 164 million shares were authorized for future grant under our stock plans.

\n

Employee Stock Purchase Plan

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A08%3A47Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A47Z&ske=2025-05-20T12%3A08%3A47Z&sks=b&skv=2024-05-04&sig=R%2B5Xd4iJ%2BMpDxb9f1P71cspZ8CO13CkaHP4TWOcq2%2BY%3D)\n\n\n

Stock-based compensation expense and related income tax benefits were as follows:

\n

\u00a0

\n

Stock Plans

\n

Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years.

\n

Executive Incentive Plan

\n

Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of three years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved.

\n

Activity for All Stock Plans

\n

The fair value of stock awards was estimated on the date of grant using the following assumptions:

\n

\u00a0

\n

During fiscal year 2023, the following activity occurred under our stock plans:

\n

\u00a0

\n

(a)\tIncludes 1 million, 1 million, and 2 million of PSUs granted at target and performance adjustments above target levels for fiscal years 2023, 2022, and 2021, respectively.

\n

As of June 30, 2023, total unrecognized compensation costs related to stock awards were $18.6 billion. These costs are expected to be recognized over a weighted average period of three years. The weighted average grant-date fair value of stock awards granted was $252.59, $291.22, and $221.13 for fiscal years 2023, 2022, and 2021, respectively. The fair value of stock awards vested was $11.9 billion, $14.1 billion, and $13.4 billion, for fiscal years 2023, 2022, and 2021, respectively. As of June 30, 2023, an aggregate of 164 million shares were authorized for future grant under our stock plans.

\n

Employee Stock Purchase Plan

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A08%3A48Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A48Z&ske=2025-05-20T12%3A08%3A48Z&sks=b&skv=2024-05-04&sig=a8O3bt3qSq5TnJa%2BRLGcuRFzXy3HjSW7jPCtELamZmA%3D)\n\n\n

Stock-based compensation expense and related income tax benefits were as follows:

\n

\u00a0

\n

Stock Plans

\n

Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years.

\n

Executive Incentive Plan

\n

Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of three years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved.

\n

Activity for All Stock Plans

\n

The fair value of stock awards was estimated on the date of grant using the following assumptions:

\n

\u00a0

\n

During fiscal year 2023, the following activity occurred under our stock plans:

\n

\u00a0

\n

(a)\tIncludes 1 million, 1 million, and 2 million of PSUs granted at target and performance adjustments above target levels for fiscal years 2023, 2022, and 2021, respectively.

\n

As of June 30, 2023, total unrecognized compensation costs related to stock awards were $18.6 billion. These costs are expected to be recognized over a weighted average period of three years. The weighted average grant-date fair value of stock awards granted was $252.59, $291.22, and $221.13 for fiscal years 2023, 2022, and 2021, respectively. The fair value of stock awards vested was $11.9 billion, $14.1 billion, and $13.4 billion, for fiscal years 2023, 2022, and 2021, respectively. As of June 30, 2023, an aggregate of 164 million shares were authorized for future grant under our stock plans.

\n

Employee Stock Purchase Plan

", "latency": 7.911146, "response_length": 583} +{"query": "What are the company's policies regarding vacation, sick leave, and parental leave? ", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.282861, "response_length": 100} +{"query": "How are these benefits accrued and requested?", "ground_truth": "To accrue and request benefits under the Northwind Standard plan, employees must follow these steps:\n\n1. **Accrual of Benefits**:\n - Benefits are accrued by receiving eligible services from in-network providers, which include primary care physicians, specialists, hospitals, and pharmacies [doc1][doc2].\n - The plan covers medical, vision, and dental services, as well as preventive care and prescription drug coverage [doc3][doc4].\n\n2. **Requesting Benefits**:\n - Employees must submit a claim to the insurance company with all relevant details and documentation, including a copy of the bill for the service, proof of payment, and any other required documentation [doc5].\n - It is important to check if the service requires pre-authorization and to ensure that the service is covered under the plan [doc6].\n - After processing a claim, Northwind Health will provide an Explanation of Benefits (EOB) outlining the services provided, the amount of the claim, and the amount paid by Northwind Health [doc7].\n\n3. **Exceptions and Limitations**:\n - The plan does not cover emergency services, mental health and substance abuse services, or out-of-network services [doc8][doc9][doc10].\n - The right of recovery is only applicable to services paid for by the insured and not by any third party [doc11].\n\nBy understanding these steps and the associated conditions, employees can effectively accrue and request benefits under the Northwind Standard plan.", "context": "Northwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A08%3A59Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A08%3A59Z&ske=2025-05-20T12%3A08%3A59Z&sks=b&skv=2024-05-04&sig=TdaDQCnyYACYgU0Gg6chXegqlOTKquq%2BGnuETv5VPuY%3D)\n\n\n

In addition, there are some services that are not eligible for the right of recovery. These include services related to mental health and substance abuse, emergency services, inpatient services, and any services that are not covered under the Northwind Standard plan.

\n

It is also important to note that the right of recovery is only applicable to services that were paid for by the insured, and not by any other third party. This includes family members, friends, employers, or other insurance plans.

\n

Employees should keep in mind that the right of recovery is subject to the terms and conditions of the Northwind Standard plan. Therefore, it is important to read the plan documents in detail to understand any additional exclusions or limitations of the right of recovery.

\n

To take advantage of the right of recovery, employees should submit a claim to the insurance company with all of the relevant details and documentation. This should include a copy of the bill for the service, proof of payment, and any other documentation that may be required.

\n

The Northwind Standard plan's right of recovery is a great feature that can help employees save time and money. It is important to be aware of the conditions and exceptions associated with this right, as well as any additional documentation that may be required. By understanding the right of recovery and following the steps outlined above, employees can take advantage of this great feature and be reimbursed for services that were already paid for.

\n

Right To And Payment Of Benefits OTHER INFORMATION ABOUT THIS PLAN: Right To And Payment Of Benefits

\n

The Northwind Standard plan is a comprehensive health plan that provides coverage for medical, vision, and dental services. It also includes preventive care services and prescription drug coverage. Northwind Standard offers a variety of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies.

Under this plan, Northwind Health will cover the cost of eligible services you receive, as long as you follow certain rules. Some services may require pre-authorization or be subject to an annual deductible or coinsurance. Northwind Health is also responsible for processing and paying claims correctly.

\n

Right to Benefits

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A00Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A00Z&ske=2025-05-20T12%3A09%3A00Z&sks=b&skv=2024-05-04&sig=5ftCpfyWKxffgY/aGaWG6xvouRERwJjBhGYqQBd1ofs%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A00Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A00Z&ske=2025-05-20T12%3A09%3A00Z&sks=b&skv=2024-05-04&sig=5ftCpfyWKxffgY/aGaWG6xvouRERwJjBhGYqQBd1ofs%3D)\n\n\n

In addition, there are some services that are not eligible for the right of recovery. These include services related to mental health and substance abuse, emergency services, inpatient services, and any services that are not covered under the Northwind Standard plan.

\n

It is also important to note that the right of recovery is only applicable to services that were paid for by the insured, and not by any other third party. This includes family members, friends, employers, or other insurance plans.

\n

Employees should keep in mind that the right of recovery is subject to the terms and conditions of the Northwind Standard plan. Therefore, it is important to read the plan documents in detail to understand any additional exclusions or limitations of the right of recovery.

\n

To take advantage of the right of recovery, employees should submit a claim to the insurance company with all of the relevant details and documentation. This should include a copy of the bill for the service, proof of payment, and any other documentation that may be required.

\n

The Northwind Standard plan's right of recovery is a great feature that can help employees save time and money. It is important to be aware of the conditions and exceptions associated with this right, as well as any additional documentation that may be required. By understanding the right of recovery and following the steps outlined above, employees can take advantage of this great feature and be reimbursed for services that were already paid for.

\n

Right To And Payment Of Benefits OTHER INFORMATION ABOUT THIS PLAN: Right To And Payment Of Benefits

\n

The Northwind Standard plan is a comprehensive health plan that provides coverage for medical, vision, and dental services. It also includes preventive care services and prescription drug coverage. Northwind Standard offers a variety of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies.

Under this plan, Northwind Health will cover the cost of eligible services you receive, as long as you follow certain rules. Some services may require pre-authorization or be subject to an annual deductible or coinsurance. Northwind Health is also responsible for processing and paying claims correctly.

\n

Right to Benefits

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A00Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A00Z&ske=2025-05-20T12%3A09%3A00Z&sks=b&skv=2024-05-04&sig=5ftCpfyWKxffgY/aGaWG6xvouRERwJjBhGYqQBd1ofs%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A00Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A00Z&ske=2025-05-20T12%3A09%3A00Z&sks=b&skv=2024-05-04&sig=5ftCpfyWKxffgY/aGaWG6xvouRERwJjBhGYqQBd1ofs%3D)\n\n\n

In addition, there are some services that are not eligible for the right of recovery. These include services related to mental health and substance abuse, emergency services, inpatient services, and any services that are not covered under the Northwind Standard plan.

\n

It is also important to note that the right of recovery is only applicable to services that were paid for by the insured, and not by any other third party. This includes family members, friends, employers, or other insurance plans.

\n

Employees should keep in mind that the right of recovery is subject to the terms and conditions of the Northwind Standard plan. Therefore, it is important to read the plan documents in detail to understand any additional exclusions or limitations of the right of recovery.

\n

To take advantage of the right of recovery, employees should submit a claim to the insurance company with all of the relevant details and documentation. This should include a copy of the bill for the service, proof of payment, and any other documentation that may be required.

\n

The Northwind Standard plan's right of recovery is a great feature that can help employees save time and money. It is important to be aware of the conditions and exceptions associated with this right, as well as any additional documentation that may be required. By understanding the right of recovery and following the steps outlined above, employees can take advantage of this great feature and be reimbursed for services that were already paid for.

\n

Right To And Payment Of Benefits OTHER INFORMATION ABOUT THIS PLAN: Right To And Payment Of Benefits

\n

The Northwind Standard plan is a comprehensive health plan that provides coverage for medical, vision, and dental services. It also includes preventive care services and prescription drug coverage. Northwind Standard offers a variety of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies.

Under this plan, Northwind Health will cover the cost of eligible services you receive, as long as you follow certain rules. Some services may require pre-authorization or be subject to an annual deductible or coinsurance. Northwind Health is also responsible for processing and paying claims correctly.

\n

Right to Benefits

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A00Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A00Z&ske=2025-05-20T12%3A09%3A00Z&sks=b&skv=2024-05-04&sig=5ftCpfyWKxffgY/aGaWG6xvouRERwJjBhGYqQBd1ofs%3D)\n\n\n

Right to Benefits

\n

You have the right to receive the benefits available under the Northwind Standard plan. This includes the right to receive services from any in-network provider, subject to certain rules and regulations. You also have the right to be informed about the types of services that are covered and the costs associated with them.

\n

Payment of Benefits

\n

Northwind Health is responsible for paying claims correctly. They will do this by determining your eligibility, obtaining pre-authorization for services when required, and paying for eligible services based on the terms of the plan. Northwind Health will also provide you with an explanation of benefits (EOB) after they process a claim. The EOB will outline the services that were provided, the amount of the claim, and the amount that was paid by Northwind Health.

\n

Exceptions

\n

Northwind Standard does not cover emergency services, mental health and substance abuse services, or out-of-network services.

\n

Tips

\n

Before receiving any services, make sure to check with Northwind Health to determine if the service is covered and if pre-authorization is required. Additionally, Northwind Health will provide you with an EOB after they process a claim. Make sure to review the EOB to ensure that the services and amounts are correct.

\n

If you have any questions about your coverage or about the payment of your benefits, contact Northwind Health for assistance. Their customer service team is available to answer any questions you may have.

\n

Venue

\n

OTHER INFORMATION ABOUT THIS PLAN

\n

Venue

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A01Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A01Z&ske=2025-05-20T12%3A09%3A01Z&sks=b&skv=2024-05-04&sig=Y9Ot5pTi1fuBUJVm/CCVNwjjB0Yy/EtfbFND4%2BnemZs%3D)\n\n\n

Right to Benefits

\n

You have the right to receive the benefits available under the Northwind Standard plan. This includes the right to receive services from any in-network provider, subject to certain rules and regulations. You also have the right to be informed about the types of services that are covered and the costs associated with them.

\n

Payment of Benefits

\n

Northwind Health is responsible for paying claims correctly. They will do this by determining your eligibility, obtaining pre-authorization for services when required, and paying for eligible services based on the terms of the plan. Northwind Health will also provide you with an explanation of benefits (EOB) after they process a claim. The EOB will outline the services that were provided, the amount of the claim, and the amount that was paid by Northwind Health.

\n

Exceptions

\n

Northwind Standard does not cover emergency services, mental health and substance abuse services, or out-of-network services.

\n

Tips

\n

Before receiving any services, make sure to check with Northwind Health to determine if the service is covered and if pre-authorization is required. Additionally, Northwind Health will provide you with an EOB after they process a claim. Make sure to review the EOB to ensure that the services and amounts are correct.

\n

If you have any questions about your coverage or about the payment of your benefits, contact Northwind Health for assistance. Their customer service team is available to answer any questions you may have.

\n

Venue

\n

OTHER INFORMATION ABOUT THIS PLAN

\n

Venue

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A01Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A01Z&ske=2025-05-20T12%3A09%3A01Z&sks=b&skv=2024-05-04&sig=Y9Ot5pTi1fuBUJVm/CCVNwjjB0Yy/EtfbFND4%2BnemZs%3D)\n\n\n

In addition, there are some services that are not eligible for the right of recovery. These include services related to mental health and substance abuse, emergency services, inpatient services, and any services that are not covered under the Northwind Standard plan.

\n

It is also important to note that the right of recovery is only applicable to services that were paid for by the insured, and not by any other third party. This includes family members, friends, employers, or other insurance plans.

\n

Employees should keep in mind that the right of recovery is subject to the terms and conditions of the Northwind Standard plan. Therefore, it is important to read the plan documents in detail to understand any additional exclusions or limitations of the right of recovery.

\n

To take advantage of the right of recovery, employees should submit a claim to the insurance company with all of the relevant details and documentation. This should include a copy of the bill for the service, proof of payment, and any other documentation that may be required.

\n

The Northwind Standard plan's right of recovery is a great feature that can help employees save time and money. It is important to be aware of the conditions and exceptions associated with this right, as well as any additional documentation that may be required. By understanding the right of recovery and following the steps outlined above, employees can take advantage of this great feature and be reimbursed for services that were already paid for.

\n

Right To And Payment Of Benefits OTHER INFORMATION ABOUT THIS PLAN: Right To And Payment Of Benefits

\n

The Northwind Standard plan is a comprehensive health plan that provides coverage for medical, vision, and dental services. It also includes preventive care services and prescription drug coverage. Northwind Standard offers a variety of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies.

Under this plan, Northwind Health will cover the cost of eligible services you receive, as long as you follow certain rules. Some services may require pre-authorization or be subject to an annual deductible or coinsurance. Northwind Health is also responsible for processing and paying claims correctly.

\n

Right to Benefits

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A01Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A01Z&ske=2025-05-20T12%3A09%3A01Z&sks=b&skv=2024-05-04&sig=Y9Ot5pTi1fuBUJVm/CCVNwjjB0Yy/EtfbFND4%2BnemZs%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A01Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A01Z&ske=2025-05-20T12%3A09%3A01Z&sks=b&skv=2024-05-04&sig=Y9Ot5pTi1fuBUJVm/CCVNwjjB0Yy/EtfbFND4%2BnemZs%3D)\n\n\n

Right to Benefits

\n

You have the right to receive the benefits available under the Northwind Standard plan. This includes the right to receive services from any in-network provider, subject to certain rules and regulations. You also have the right to be informed about the types of services that are covered and the costs associated with them.

\n

Payment of Benefits

\n

Northwind Health is responsible for paying claims correctly. They will do this by determining your eligibility, obtaining pre-authorization for services when required, and paying for eligible services based on the terms of the plan. Northwind Health will also provide you with an explanation of benefits (EOB) after they process a claim. The EOB will outline the services that were provided, the amount of the claim, and the amount that was paid by Northwind Health.

\n

Exceptions

\n

Northwind Standard does not cover emergency services, mental health and substance abuse services, or out-of-network services.

\n

Tips

\n

Before receiving any services, make sure to check with Northwind Health to determine if the service is covered and if pre-authorization is required. Additionally, Northwind Health will provide you with an EOB after they process a claim. Make sure to review the EOB to ensure that the services and amounts are correct.

\n

If you have any questions about your coverage or about the payment of your benefits, contact Northwind Health for assistance. Their customer service team is available to answer any questions you may have.

\n

Venue

\n

OTHER INFORMATION ABOUT THIS PLAN

\n

Venue

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A01Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A01Z&ske=2025-05-20T12%3A09%3A01Z&sks=b&skv=2024-05-04&sig=Y9Ot5pTi1fuBUJVm/CCVNwjjB0Yy/EtfbFND4%2BnemZs%3D)\n\n\n

In addition, there are some services that are not eligible for the right of recovery. These include services related to mental health and substance abuse, emergency services, inpatient services, and any services that are not covered under the Northwind Standard plan.

\n

It is also important to note that the right of recovery is only applicable to services that were paid for by the insured, and not by any other third party. This includes family members, friends, employers, or other insurance plans.

\n

Employees should keep in mind that the right of recovery is subject to the terms and conditions of the Northwind Standard plan. Therefore, it is important to read the plan documents in detail to understand any additional exclusions or limitations of the right of recovery.

\n

To take advantage of the right of recovery, employees should submit a claim to the insurance company with all of the relevant details and documentation. This should include a copy of the bill for the service, proof of payment, and any other documentation that may be required.

\n

The Northwind Standard plan's right of recovery is a great feature that can help employees save time and money. It is important to be aware of the conditions and exceptions associated with this right, as well as any additional documentation that may be required. By understanding the right of recovery and following the steps outlined above, employees can take advantage of this great feature and be reimbursed for services that were already paid for.

\n

Right To And Payment Of Benefits OTHER INFORMATION ABOUT THIS PLAN: Right To And Payment Of Benefits

\n

The Northwind Standard plan is a comprehensive health plan that provides coverage for medical, vision, and dental services. It also includes preventive care services and prescription drug coverage. Northwind Standard offers a variety of in-network providers, including primary care physicians, specialists, hospitals, and pharmacies.

Under this plan, Northwind Health will cover the cost of eligible services you receive, as long as you follow certain rules. Some services may require pre-authorization or be subject to an annual deductible or coinsurance. Northwind Health is also responsible for processing and paying claims correctly.

\n

Right to Benefits

", "latency": 9.351497, "response_length": 1454} +{"query": "What should I do if I experience a life event such as marriage, birth/adoption, divorce, or a change in dependent status?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.222061, "response_length": 100} +{"query": "How can I update my benefit elections or add/remove dependents?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.147776, "response_length": 100} +{"query": "What happens to my benefits if I leave the company?", "ground_truth": "If you leave the company, you may be able to continue your coverage for a certain period of time under COBRA (Consolidated Omnibus Budget Reconciliation Act). COBRA allows you to maintain your health insurance coverage after leaving your job, but you will need to pay the full premium, which includes both your share and the employer's share, plus a small administrative fee[doc1]. \n\nAdditionally, you have the right to access your health information and correct any inaccuracies under HIPAA (Health Insurance Portability and Accountability Act)[doc2]. If you have any questions or concerns about your coverage after leaving the company, you should contact Northwind Health for assistance[doc3][doc4].", "context": "Northwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A16Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A15Z&ske=2025-05-20T12%3A09%3A15Z&sks=b&skv=2024-05-04&sig=K4Hppo0q6/aXjFDfoH87wQ7aWRbjt1RAlFq2JyoXuAk%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A16Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A16Z&ske=2025-05-20T12%3A09%3A16Z&sks=b&skv=2024-05-04&sig=wPKS4NPXTGQ%2BRy8qg9XqVMVebqckhUCkCu279zy7ZRw%3D)\n\n\n

\u00b7 Know your rights under COBRA: if you lose your job or otherwise qualify for COBRA, you may be able to continue your coverage for a certain period of time.

\u00b7 Understand your rights under HIPAA: you have the right to access your health information and correct any inaccurate information.

\n

\u00b7 Make sure you understand the requirements of the ACA: if you're eligible, your employer must offer you minimum essential coverage or face a penalty.

\n

Following the law is an important part of employee benefits, and Contoso and Northwind Health strive to ensure that the Northwind Standard plan is in compliance with all applicable laws. Employees should make sure they understand their rights and responsibilities under the law when it comes to their employer-provided health insurance plan. With Northwind Standard, you can be sure that you're getting the coverage you need and that you're in compliance with the law.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN: Entire Contract

\n

The Northwind Standard plan is a contract between the employee and Northwind Health. By enrolling in the plan, the employee agrees to all of the terms and conditions included in the plan documents. It is important to understand that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions.

\n

The plan documents state that the Northwind Standard plan provides coverage for medical, vision, and dental services. This coverage includes preventive care services and prescription drug coverage. The plan does not provide coverage for emergency services, mental health and substance abuse coverage, or out-of-network services.

\n

The plan documents also include information on how to access care, including a list of in- network providers such as primary care physicians, specialists, hospitals, and pharmacies. Additionally, the plan documents outline the plan's coordination of benefits and any limitations or exclusions.

\n

It is important to remember that the plan documents are the ultimate authority for any questions about benefits, coverage, and exclusions. If there is ever a discrepancy between what is stated in the plan documents and what is stated in any other sources, such as Northwind Health's website or a customer service representative, the plan documents take precedence.

\n

Tips for Employees

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A16Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A16Z&ske=2025-05-20T12%3A09%3A16Z&sks=b&skv=2024-05-04&sig=wPKS4NPXTGQ%2BRy8qg9XqVMVebqckhUCkCu279zy7ZRw%3D)\n\n\n

Finally, if you have any questions or concerns about your coverage, be sure to reach out to Northwind Health. Their knowledgeable customer service representatives are always available to answer your questions and provide guidance on how best to use your coverage.

\n

COB's Effect On Benefits WHAT IF I HAVE OTHER COVERAGE?

\n

When you have other health insurance coverage, coordination of benefits (COB) can affect how your benefits are paid. COB is a process where your insurance companies coordinate who pays first when you have multiple health insurance plans that cover the same medical expenses. The insurance company that pays first is called the primary payer, and the company that pays second is called the secondary payer.

\n

Coordination of Benefits Exceptions

\n

There are a few exceptions to COB rules that may apply to you. If you are covered by Medicare, Medicaid, or a veterans' health plan, Northwind Standard may pay first, even if the other plan is usually the primary payer. Additionally, if you are enrolled in a plan that is required by law to coordinate benefits, such as an employer-sponsored plan, Northwind Standard may pay first.

\n

Understanding How COB Affects Your Benefits

\n

When COB applies, the primary and secondary payers will each pay a portion of the eligible expenses and combined payments cannot exceed the total cost. Depending on the type of service, the primary payer may pay all of the eligible expenses. When this happens, the secondary payer may pay nothing.

For example, if you receive a medical bill for $1,000 and the primary payer pays $800, the secondary payer will pay the remaining balance of $200. However, if the primary payer pays the full $1,000, the secondary payer will not pay anything.

\n

Tips for Working with COB

\n

When you have multiple health insurance plans, it's important to understand how COB works and how it can affect your benefits. Here are a few tips to help you manage your benefits:

\n

\u00b7 Make sure that each insurance company has all of the necessary information about your other coverage, including plan numbers and policy dates.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A16Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A16Z&ske=2025-05-20T12%3A09%3A16Z&sks=b&skv=2024-05-04&sig=wPKS4NPXTGQ%2BRy8qg9XqVMVebqckhUCkCu279zy7ZRw%3D)\n\n\n

Right to Benefits

\n

You have the right to receive the benefits available under the Northwind Standard plan. This includes the right to receive services from any in-network provider, subject to certain rules and regulations. You also have the right to be informed about the types of services that are covered and the costs associated with them.

\n

Payment of Benefits

\n

Northwind Health is responsible for paying claims correctly. They will do this by determining your eligibility, obtaining pre-authorization for services when required, and paying for eligible services based on the terms of the plan. Northwind Health will also provide you with an explanation of benefits (EOB) after they process a claim. The EOB will outline the services that were provided, the amount of the claim, and the amount that was paid by Northwind Health.

\n

Exceptions

\n

Northwind Standard does not cover emergency services, mental health and substance abuse services, or out-of-network services.

\n

Tips

\n

Before receiving any services, make sure to check with Northwind Health to determine if the service is covered and if pre-authorization is required. Additionally, Northwind Health will provide you with an EOB after they process a claim. Make sure to review the EOB to ensure that the services and amounts are correct.

\n

If you have any questions about your coverage or about the payment of your benefits, contact Northwind Health for assistance. Their customer service team is available to answer any questions you may have.

\n

Venue

\n

OTHER INFORMATION ABOUT THIS PLAN

\n

Venue

", "latency": 6.144231, "response_length": 701} +{"query": "How can I continue coverage through COBRA?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.038208, "response_length": 100} +{"query": "What are the costs associated with COBRA coverage?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.190697, "response_length": 100} +{"query": "Where can I find detailed information about each benefit plan, including the summary plan description, coverage details, and contact information for the benefits administrator?", "ground_truth": "You can find detailed information about each benefit plan, including the summary plan description, coverage details, and contact information for the benefits administrator, in the following resources:\n\n1. **Plan Documents**: These provide detailed information about the plan, including your rights and responsibilities [doc1].\n2. **Summary Plan Description (SPD)**: This document outlines the benefits available under the plan and is essential for understanding your coverage [doc2].\n3. **Northwind Health Website**: The website offers information about the plan, including benefits, exclusions, limitations, and member responsibilities [doc3].\n4. **Customer Service Representatives**: They are available to answer questions about the plan and provide guidance [doc4].\n5. **Provider Directories**: These list all in-network providers and facilities available under the plan [doc5].\n6. **Newsletters**: These provide updates about the plan and new features [doc6].\n\nBy utilizing these resources, you can ensure you have all the necessary information about your benefit plan.", "context": "Northwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A32Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A32Z&ske=2025-05-20T12%3A09%3A32Z&sks=b&skv=2024-05-04&sig=R26yXZ0G/6gkOU4XRUMiszzxqeossZQcdyIr8xZj1BA%3D)\n\n\n

\u00b7 Our website - which provides information about the plan, including benefits, exclusions and limitations, and member responsibilities.

\u00b7 Our customer service representatives - who are available to answer your questions about the plan and provide guidance.

\n

\u00b7 Our plan documents - which provide detailed information about the plan and your rights and responsibilities.

\n

\u00b7 Our newsletters - which provide updates about the plan and new features.

\n

\u00b7 Our provider directories - which list all of the in-network providers and facilities that are available under the plan.

\n

Getting the Most Out of Your Plan

\n

To get the most out of your Northwind Standard plan, here are some tips to keep in mind:

\n

\u00b7 Be sure to use in-network providers as much as possible, as this will help you maximize your benefits and minimize your out-of-pocket expenses.

\n

. If you need to use out-of-network providers, be sure to contact Northwind Health first to verify coverage.

\n

\u00b7 Be sure to inform your providers of any pre-existing conditions or special circumstances that could affect your care.

\n

\u00b7 Be sure to stay informed about the plan and your rights and responsibilities as a member of the plan.

\n

\u00b7 Follow up with your provider after receiving care to ensure that all procedures were properly billed to the plan.

\n

\u00b7 Remember to use any preventive care benefits that your plan offers. These services can help you stay healthy and ensure that any issues are caught early.

\n

\u00b7 Remember to contact Northwind Health with any questions you may have about the plan.

\n

By understanding your rights and responsibilities under the plan, as well as the benefits and limitations of the plan, you can feel confident that you are getting the most out of your Northwind Standard plan.

\n

Exceptions

\n

It is important to note that while Northwind Standard covers a variety of services, there are some exceptions. These include emergency services, mental health and substance abuse coverage, and out-of-network services. If you need any of these services, be sure to contact Northwind Health to verify coverage.

\n\nNorthwind_Health_Plus_Benefits_Details: [/documents/Northwind_Health_Plus_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Health_Plus_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A32Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A32Z&ske=2025-05-20T12%3A09%3A32Z&sks=b&skv=2024-05-04&sig=R26yXZ0G/6gkOU4XRUMiszzxqeossZQcdyIr8xZj1BA%3D)\n\n\n

Under the ACA, Northwind Health Plus must provide essential health benefits, such as ambulatory patient services, hospitalization, maternity and newborn care, preventive and wellness services, mental health and substance abuse services, and prescription drugs. The plan also must provide coverage for preventive services without cost sharing.

\n

Under MHPAEA, the plan must provide comparable benefits for mental health and substance abuse services as it does for medical and surgical benefits. This includes covering services that are medically necessary, such as inpatient and outpatient services, medication management, and psychological and psychosocial therapies.

\n

It is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

\n

Finally, it is important to note that the plan may not provide coverage or impose any limits or exclusions that are not in compliance with applicable laws and regulations. Additionally, the plan may not discriminate against individuals based on their medical condition or health status. Individuals who feel they have been discriminated against should contact the Department of Labor, who can investigate the issue.

Tips for Employees:

\n

1. Read your Summary Plan Description (SPD) carefully to understand the benefits available to you under Northwind Health Plus.

\n

2. Familiarize yourself with the applicable laws and regulations, such as ERISA, the Affordable Care Act (ACA), and the Mental Health Parity and Addiction Equity Act (MHPAEA).

\n

3. Be aware of the coverage and limits your plan provides.

\n

4. Be aware of any exclusions or exceptions that may apply to your plan.

\n

5. If you feel you have been discriminated against, contact the Department of Labor.

\n

By understanding the applicable laws and regulations and the coverage and limits of your plan, you can ensure that you are getting the most out of your Northwind Health Plus benefits.

\n

Entire Contract OTHER INFORMATION ABOUT THIS PLAN - Entire Contract

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A32Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A32Z&ske=2025-05-20T12%3A09%3A32Z&sks=b&skv=2024-05-04&sig=R26yXZ0G/6gkOU4XRUMiszzxqeossZQcdyIr8xZj1BA%3D)\n\n\n

\u00b7 Our website - which provides information about the plan, including benefits, exclusions and limitations, and member responsibilities.

\u00b7 Our customer service representatives - who are available to answer your questions about the plan and provide guidance.

\n

\u00b7 Our plan documents - which provide detailed information about the plan and your rights and responsibilities.

\n

\u00b7 Our newsletters - which provide updates about the plan and new features.

\n

\u00b7 Our provider directories - which list all of the in-network providers and facilities that are available under the plan.

\n

Getting the Most Out of Your Plan

\n

To get the most out of your Northwind Standard plan, here are some tips to keep in mind:

\n

\u00b7 Be sure to use in-network providers as much as possible, as this will help you maximize your benefits and minimize your out-of-pocket expenses.

\n

. If you need to use out-of-network providers, be sure to contact Northwind Health first to verify coverage.

\n

\u00b7 Be sure to inform your providers of any pre-existing conditions or special circumstances that could affect your care.

\n

\u00b7 Be sure to stay informed about the plan and your rights and responsibilities as a member of the plan.

\n

\u00b7 Follow up with your provider after receiving care to ensure that all procedures were properly billed to the plan.

\n

\u00b7 Remember to use any preventive care benefits that your plan offers. These services can help you stay healthy and ensure that any issues are caught early.

\n

\u00b7 Remember to contact Northwind Health with any questions you may have about the plan.

\n

By understanding your rights and responsibilities under the plan, as well as the benefits and limitations of the plan, you can feel confident that you are getting the most out of your Northwind Standard plan.

\n

Exceptions

\n

It is important to note that while Northwind Standard covers a variety of services, there are some exceptions. These include emergency services, mental health and substance abuse coverage, and out-of-network services. If you need any of these services, be sure to contact Northwind Health to verify coverage.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A32Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A32Z&ske=2025-05-20T12%3A09%3A32Z&sks=b&skv=2024-05-04&sig=R26yXZ0G/6gkOU4XRUMiszzxqeossZQcdyIr8xZj1BA%3D)\n\n\n

\u00b7 Our website - which provides information about the plan, including benefits, exclusions and limitations, and member responsibilities.

\u00b7 Our customer service representatives - who are available to answer your questions about the plan and provide guidance.

\n

\u00b7 Our plan documents - which provide detailed information about the plan and your rights and responsibilities.

\n

\u00b7 Our newsletters - which provide updates about the plan and new features.

\n

\u00b7 Our provider directories - which list all of the in-network providers and facilities that are available under the plan.

\n

Getting the Most Out of Your Plan

\n

To get the most out of your Northwind Standard plan, here are some tips to keep in mind:

\n

\u00b7 Be sure to use in-network providers as much as possible, as this will help you maximize your benefits and minimize your out-of-pocket expenses.

\n

. If you need to use out-of-network providers, be sure to contact Northwind Health first to verify coverage.

\n

\u00b7 Be sure to inform your providers of any pre-existing conditions or special circumstances that could affect your care.

\n

\u00b7 Be sure to stay informed about the plan and your rights and responsibilities as a member of the plan.

\n

\u00b7 Follow up with your provider after receiving care to ensure that all procedures were properly billed to the plan.

\n

\u00b7 Remember to use any preventive care benefits that your plan offers. These services can help you stay healthy and ensure that any issues are caught early.

\n

\u00b7 Remember to contact Northwind Health with any questions you may have about the plan.

\n

By understanding your rights and responsibilities under the plan, as well as the benefits and limitations of the plan, you can feel confident that you are getting the most out of your Northwind Standard plan.

\n

Exceptions

\n

It is important to note that while Northwind Standard covers a variety of services, there are some exceptions. These include emergency services, mental health and substance abuse coverage, and out-of-network services. If you need any of these services, be sure to contact Northwind Health to verify coverage.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A33Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A32Z&ske=2025-05-20T12%3A09%3A32Z&sks=b&skv=2024-05-04&sig=5gX7f3fwweEpKDxuqnH8XWA2%2BiCy1vQiCVyiULcQNDI%3D)\n\n\n

\u00b7 Our website - which provides information about the plan, including benefits, exclusions and limitations, and member responsibilities.

\u00b7 Our customer service representatives - who are available to answer your questions about the plan and provide guidance.

\n

\u00b7 Our plan documents - which provide detailed information about the plan and your rights and responsibilities.

\n

\u00b7 Our newsletters - which provide updates about the plan and new features.

\n

\u00b7 Our provider directories - which list all of the in-network providers and facilities that are available under the plan.

\n

Getting the Most Out of Your Plan

\n

To get the most out of your Northwind Standard plan, here are some tips to keep in mind:

\n

\u00b7 Be sure to use in-network providers as much as possible, as this will help you maximize your benefits and minimize your out-of-pocket expenses.

\n

. If you need to use out-of-network providers, be sure to contact Northwind Health first to verify coverage.

\n

\u00b7 Be sure to inform your providers of any pre-existing conditions or special circumstances that could affect your care.

\n

\u00b7 Be sure to stay informed about the plan and your rights and responsibilities as a member of the plan.

\n

\u00b7 Follow up with your provider after receiving care to ensure that all procedures were properly billed to the plan.

\n

\u00b7 Remember to use any preventive care benefits that your plan offers. These services can help you stay healthy and ensure that any issues are caught early.

\n

\u00b7 Remember to contact Northwind Health with any questions you may have about the plan.

\n

By understanding your rights and responsibilities under the plan, as well as the benefits and limitations of the plan, you can feel confident that you are getting the most out of your Northwind Standard plan.

\n

Exceptions

\n

It is important to note that while Northwind Standard covers a variety of services, there are some exceptions. These include emergency services, mental health and substance abuse coverage, and out-of-network services. If you need any of these services, be sure to contact Northwind Health to verify coverage.

\n\nNorthwind_Standard_Benefits_Details: [/documents/Northwind_Standard_Benefits_Details.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/Northwind_Standard_Benefits_Details.pdf?se=2030-05-18T12%3A09%3A33Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A33Z&ske=2025-05-20T12%3A09%3A33Z&sks=b&skv=2024-05-04&sig=FGFCz3eptgb8LJv9ZFZniCXl5bEXxuCrHSjZyHTloJc%3D)\n\n\n

\u00b7 Our website - which provides information about the plan, including benefits, exclusions and limitations, and member responsibilities.

\u00b7 Our customer service representatives - who are available to answer your questions about the plan and provide guidance.

\n

\u00b7 Our plan documents - which provide detailed information about the plan and your rights and responsibilities.

\n

\u00b7 Our newsletters - which provide updates about the plan and new features.

\n

\u00b7 Our provider directories - which list all of the in-network providers and facilities that are available under the plan.

\n

Getting the Most Out of Your Plan

\n

To get the most out of your Northwind Standard plan, here are some tips to keep in mind:

\n

\u00b7 Be sure to use in-network providers as much as possible, as this will help you maximize your benefits and minimize your out-of-pocket expenses.

\n

. If you need to use out-of-network providers, be sure to contact Northwind Health first to verify coverage.

\n

\u00b7 Be sure to inform your providers of any pre-existing conditions or special circumstances that could affect your care.

\n

\u00b7 Be sure to stay informed about the plan and your rights and responsibilities as a member of the plan.

\n

\u00b7 Follow up with your provider after receiving care to ensure that all procedures were properly billed to the plan.

\n

\u00b7 Remember to use any preventive care benefits that your plan offers. These services can help you stay healthy and ensure that any issues are caught early.

\n

\u00b7 Remember to contact Northwind Health with any questions you may have about the plan.

\n

By understanding your rights and responsibilities under the plan, as well as the benefits and limitations of the plan, you can feel confident that you are getting the most out of your Northwind Standard plan.

\n

Exceptions

\n

It is important to note that while Northwind Standard covers a variety of services, there are some exceptions. These include emergency services, mental health and substance abuse coverage, and out-of-network services. If you need any of these services, be sure to contact Northwind Health to verify coverage.

", "latency": 8.483072, "response_length": 1073} +{"query": "When is the open enrollment period?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.410481, "response_length": 100} +{"query": "What changes can I make to my benefits during this time?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 3.97118, "response_length": 100} +{"query": "Are there any new benefit options or changes for the upcoming plan year?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.171787, "response_length": 100} +{"query": "What are the core values of the company?", "ground_truth": "The core values of Contoso Electronics are:\n\n1. Quality: Striving to provide the highest quality products and services to customers.\n2. Integrity: Valuing honesty, respect, and trustworthiness in all interactions.\n3. Innovation: Encouraging creativity and supporting new ideas and approaches to business.\n4. Teamwork: Believing that working together can achieve greater success.\n5. Respect: Treating all employees, customers, and partners with respect and dignity.\n6. Excellence: Striving to exceed expectations and provide excellent service.\n7. Accountability: Taking responsibility for actions and holding oneself and others accountable for their performance.\n8. Community: Committed to making a positive impact in the communities in which they work and live [doc1].", "context": "employee_handbook: [/documents/employee_handbook.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/employee_handbook.pdf?se=2030-05-18T12%3A09%3A51Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A09%3A51Z&ske=2025-05-20T12%3A09%3A51Z&sks=b&skv=2024-05-04&sig=Dz8xZID0V0%2BRlkDE252QegSm9JBTH%2B/YfYSa/iM6giU%3D)\n\n\n

Values

\n

At Contoso Electronics, we strive to create an environment that values hard work, innovation, and collaboration. Our core values serve as the foundation for our success, and they guide our employees in how we should act and interact with each other and our customers.

\n

Company Values:

\n

1. Quality: We strive to provide the highest quality products and services to our customers.

\n

2. Integrity: We value honesty, respect, and trustworthiness in all our interactions.

\n

3. Innovation: We encourage creativity and support new ideas and approaches to our business.

\n

4. Teamwork: We believe that by working together, we can achieve greater success.

\n

5. Respect: We treat all our employees, customers, and partners with respect and dignity.

\n

6. Excellence: We strive to exceed expectations and provide excellent service.

7. Accountability: We take responsibility for our actions and hold ourselves and others accountable for their performance.

\n

8. Community: We are committed to making a positive impact in the communities in which we work and live.

\n

Performance Reviews

\n

Performance Reviews at Contoso Electronics

\n

At Contoso Electronics, we strive to ensure our employees are getting the feedback they need to continue growing and developing in their roles. We understand that performance reviews are a key part of this process and it is important to us that they are conducted in an effective and efficient manner.

\n

Performance reviews are conducted annually and are an important part of your career development. During the review, your supervisor will discuss your performance over the past year and provide feedback on areas for improvement. They will also provide you with an opportunity to discuss your goals and objectives for the upcoming year.

\n

Performance reviews are a two-way dialogue between managers and employees. We encourage all employees to be honest and open during the review process, as it is an important opportunity to discuss successes and challenges in the workplace.

\n

We aim to provide positive and constructive feedback during performance reviews. This feedback should be used as an opportunity to help employees develop and grow in their roles.

", "latency": 5.670574, "response_length": 768} +{"query": "How does the company handle feedback and performance reviews?", "ground_truth": "At Contoso Electronics, performance reviews are conducted annually and are an important part of career development. During these reviews, supervisors discuss employees' performance over the past year, provide feedback on areas for improvement, and discuss goals and objectives for the upcoming year. The process is designed to be a two-way dialogue, encouraging honesty and openness to discuss successes and challenges in the workplace[doc1][doc2].\n\nEmployees receive a written summary of their performance review, which includes a rating of their performance, feedback, and goals for the upcoming year. The company aims to provide positive and constructive feedback to help employees develop and grow in their roles. Additionally, Contoso Electronics is committed to making sure that all employees feel supported and empowered during the performance review process, and encourages employees to reach out to their managers with any questions or concerns[doc3].", "context": "employee_handbook: [/documents/employee_handbook.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/employee_handbook.pdf?se=2030-05-18T12%3A10%3A00Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A00Z&ske=2025-05-20T12%3A10%3A00Z&sks=b&skv=2024-05-04&sig=2lIWtaDuBZSngT8S9OW/fpItddQYf%2BgZmV0OnbJ6iaA%3D)\n\n\n

Values

\n

At Contoso Electronics, we strive to create an environment that values hard work, innovation, and collaboration. Our core values serve as the foundation for our success, and they guide our employees in how we should act and interact with each other and our customers.

\n

Company Values:

\n

1. Quality: We strive to provide the highest quality products and services to our customers.

\n

2. Integrity: We value honesty, respect, and trustworthiness in all our interactions.

\n

3. Innovation: We encourage creativity and support new ideas and approaches to our business.

\n

4. Teamwork: We believe that by working together, we can achieve greater success.

\n

5. Respect: We treat all our employees, customers, and partners with respect and dignity.

\n

6. Excellence: We strive to exceed expectations and provide excellent service.

7. Accountability: We take responsibility for our actions and hold ourselves and others accountable for their performance.

\n

8. Community: We are committed to making a positive impact in the communities in which we work and live.

\n

Performance Reviews

\n

Performance Reviews at Contoso Electronics

\n

At Contoso Electronics, we strive to ensure our employees are getting the feedback they need to continue growing and developing in their roles. We understand that performance reviews are a key part of this process and it is important to us that they are conducted in an effective and efficient manner.

\n

Performance reviews are conducted annually and are an important part of your career development. During the review, your supervisor will discuss your performance over the past year and provide feedback on areas for improvement. They will also provide you with an opportunity to discuss your goals and objectives for the upcoming year.

\n

Performance reviews are a two-way dialogue between managers and employees. We encourage all employees to be honest and open during the review process, as it is an important opportunity to discuss successes and challenges in the workplace.

\n

We aim to provide positive and constructive feedback during performance reviews. This feedback should be used as an opportunity to help employees develop and grow in their roles.

\n\nemployee_handbook: [/documents/employee_handbook.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/employee_handbook.pdf?se=2030-05-18T12%3A10%3A01Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A00Z&ske=2025-05-20T12%3A10%3A00Z&sks=b&skv=2024-05-04&sig=Oa3pgPqQAGKy02DFCzu0EvC8fihT9bxOcDt2JTca5FM%3D)\n\n\n

Performance reviews are a two-way dialogue between managers and employees. We encourage all employees to be honest and open during the review process, as it is an important opportunity to discuss successes and challenges in the workplace.

\n

We aim to provide positive and constructive feedback during performance reviews. This feedback should be used as an opportunity to help employees develop and grow in their roles.

\n

Employees will receive a written summary of their performance review which will be discussed during the review session. This written summary will include a rating of the employee's performance, feedback, and goals and objectives for the upcoming year.

\n

We understand that performance reviews can be a stressful process. We are committed to making sure that all employees feel supported and empowered during the process. We encourage all employees to reach out to their managers with any questions or concerns they may have.

\n

We look forward to conducting performance reviews with all our employees. They are an important part of our commitment to helping our employees grow and develop in their roles.

Workplace Safety

\n

Welcome to Contoso Electronics! Our goal is to provide a safe and healthy work environment for our employees and to maintain a safe workplace that is free from recognized hazards. We believe that workplace safety is everyone's responsibility and we are committed to providing a safe working environment for all of our employees.

\n

Contoso Electronics' Workplace Safety Program

\n

At Contoso Electronics, we have established a comprehensive workplace safety program that is designed to protect our employees from workplace hazards. Our program includes:

\n

\u00b7 Hazard Identification and Risk Assessment - We strive to identify and assess potential safety hazards in the workplace and take the necessary steps to reduce or eliminate them.

\n

\u00b7 Training - We provide our employees with safety training to ensure that they are aware of safety procedures and protocols.

\n

\u00b7 Personal Protective Equipment (PPE) - We provide our employees with the necessary PPE to ensure their safety.

\n

\u00b7 Emergency Preparedness - We have established procedures and protocols in the event of an emergency.

\n

\u00b7 Reporting - We encourage our employees to report any safety concerns or incidents to our safety department.

\n\nemployee_handbook: [/documents/employee_handbook.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/employee_handbook.pdf?se=2030-05-18T12%3A10%3A01Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A01Z&ske=2025-05-20T12%3A10%3A01Z&sks=b&skv=2024-05-04&sig=RTz4vlEvqICoLRtrTE92JFD%2BPvCjxqVppcO5E7bwbL0%3D)\n\n\n

Performance reviews are a two-way dialogue between managers and employees. We encourage all employees to be honest and open during the review process, as it is an important opportunity to discuss successes and challenges in the workplace.

\n

We aim to provide positive and constructive feedback during performance reviews. This feedback should be used as an opportunity to help employees develop and grow in their roles.

\n

Employees will receive a written summary of their performance review which will be discussed during the review session. This written summary will include a rating of the employee's performance, feedback, and goals and objectives for the upcoming year.

\n

We understand that performance reviews can be a stressful process. We are committed to making sure that all employees feel supported and empowered during the process. We encourage all employees to reach out to their managers with any questions or concerns they may have.

\n

We look forward to conducting performance reviews with all our employees. They are an important part of our commitment to helping our employees grow and develop in their roles.

Workplace Safety

\n

Welcome to Contoso Electronics! Our goal is to provide a safe and healthy work environment for our employees and to maintain a safe workplace that is free from recognized hazards. We believe that workplace safety is everyone's responsibility and we are committed to providing a safe working environment for all of our employees.

\n

Contoso Electronics' Workplace Safety Program

\n

At Contoso Electronics, we have established a comprehensive workplace safety program that is designed to protect our employees from workplace hazards. Our program includes:

\n

\u00b7 Hazard Identification and Risk Assessment - We strive to identify and assess potential safety hazards in the workplace and take the necessary steps to reduce or eliminate them.

\n

\u00b7 Training - We provide our employees with safety training to ensure that they are aware of safety procedures and protocols.

\n

\u00b7 Personal Protective Equipment (PPE) - We provide our employees with the necessary PPE to ensure their safety.

\n

\u00b7 Emergency Preparedness - We have established procedures and protocols in the event of an emergency.

\n

\u00b7 Reporting - We encourage our employees to report any safety concerns or incidents to our safety department.

", "latency": 9.799025, "response_length": 960} +{"query": "What training do I have to complete in my first month at 'Company name'?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.22951, "response_length": 100} +{"query": "What are my main responsibilities (role specific)?", "ground_truth": "To provide a detailed answer, please specify the job title or role you are referring to.", "context": "", "latency": 4.043409, "response_length": 88} +{"query": "I use my personal device how will my private data be handled?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.364383, "response_length": 100} +{"query": "Are there any immediate tasks I should focus on as a Sales Manager?", "ground_truth": "As a Sales Manager, you should focus on the following immediate tasks:\n\n1. **Develop and Implement Sales Strategies**: Create and execute sales plans to achieve top-line revenue objectives and ensure the success of sales initiatives [doc1][doc2].\n2. **Analyze Sales Data and Market Trends**: Identify key opportunities and develop strategies to capitalize on them by analyzing sales data and market trends [doc3][doc4].\n3. **Lead and Motivate the Sales Team**: Ensure that the sales team meets performance goals by providing regular feedback, coaching, and guidance [doc5][doc6].\n4. **Develop and Maintain Relationships**: Establish and maintain strong relationships with key customers and vendors to ensure customer satisfaction and support sales growth [doc7][doc8].\n5. **Monitor Competitor Activity**: Keep an eye on competitor activities and adjust sales strategies accordingly to stay competitive in the market [doc9].\n6. **Manage Sales Budget**: Develop and manage the sales budget to ensure financial objectives are met [doc10].\n7. **Ensure Compliance**: Make sure all sales activities comply with company policies and applicable laws and regulations [doc11][doc12].\n\nThese tasks will help you set a strong foundation for achieving your sales targets and driving the success of your team.", "context": "role_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A21Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A21Z&ske=2025-05-20T12%3A10%3A21Z&sks=b&skv=2024-05-04&sig=ZYmIdgghGPdoPiDvw1Q50/Ck3vTcwoPPbr4q7vYvmEA%3D)\n\n\n

Job Summary:

\n

The Senior Manager of Sales for Contoso Electronics is responsible for the overall direction and management of the company's sales operations. The Senior Manager of Sales will work closely with the executive team to develop strategic business plans, ensure customer satisfaction, and oversee the execution of sales initiatives. The Senior Manager of Sales is responsible for developing and implementing strategies to grow sales and achieve top-line revenue goals.

\n

Responsibilities and Duties:

\n

\u00b7 Lead the development, implementation, and execution of sales plans to achieve top-line revenue objectives

\n

\u00b7 Analyze sales data and market trends to identify key opportunities and develop strategies to capitalize on them

\n

\u00b7 Develop and oversee sales teams to ensure performance goals are met

\n

\u00b7 Monitor team performance and provide coaching and guidance as needed

\n

\u00b7 Develop and maintain relationships with key customers

\n

\u00b7 Develop and execute promotional activities, including trade shows and marketing campaigns

\n

\u00b7 Negotiate and manage sales contracts

\n

\u00b7 Establish and maintain strong relationships with vendors

\n

\u00b7 Ensure compliance with all applicable laws and regulations

\n

\u00b7 Assess and update sales policies and procedures as needed

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business or a related field

\u00b7 5+ years of sales management experience

\n

\u00b7 Proven track record of success in achieving sales goals

\n

\u00b7 Ability to develop and implement sales strategies

\n

\u00b7 Strong negotiation and communication skills

\n

\u00b7 Experience with CRM systems and sales analytics software

\n

\u00b7 Self-motivated and able to work independently

\n

\u00b7 Ability to work in a fast-paced environment and manage multiple tasks simultaneously

\n

\u00b7 Excellent problem solving and decision making skills

\n

\u00b7 Professional demeanor with excellent customer service skills

\n

Senior Manager of Marketing

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A21Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A21Z&ske=2025-05-20T12%3A10%3A21Z&sks=b&skv=2024-05-04&sig=ZYmIdgghGPdoPiDvw1Q50/Ck3vTcwoPPbr4q7vYvmEA%3D)\n\n\n

Responsibilities:

\u00b7 Lead, manage, and motivate the sales team to ensure that targets and objectives are met.

\n

\u00b7 Develop and implement successful sales strategies and processes.

\n

\u00b7 Analyze sales and market data in order to identify trends, opportunities, and areas for

\n

improvement.

\n

\u00b7 Develop and maintain relationships with key customers and vendors.

\n

\u00b7 Ensure that all sales activities are conducted in accordance with company policies and procedures.

\n

\u00b7 Monitor sales team performance and provide regular feedback and coaching.

\n

\u00b7 Develop and manage the sales budget.

\n

\u00b7 Develop and implement sales plans and forecasts.

\n

\u00b7 Monitor competitor activity and adjust sales strategy accordingly.

\n

\u00b7 Ensure that all customer inquiries and complaints are addressed in a timely manner.

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business, marketing, or a related field.

\n

\u00b7 At least 5 years of experience in sales management.

\n

\u00b7 Excellent communication, negotiation, and interpersonal skills.

\n

\u00b7 Ability to analyze sales and market data.

\n

\u00b7 Strong leadership and organizational skills.

\n

\u00b7 Proficiency in Microsoft Office and other related software applications.

\n

\u00b7 Knowledge of sales strategies and processes.

\n

\u00b7 Ability to work well with a team.

\n

\u00b7 Ability to motivate and inspire others.

\n

\u00b7 Flexible and able to work in a fast-paced environment.

\n

Manager of Marketing

\n

Job Title: Manager of Marketing for Contoso Electronics

\n

Job Summary:

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A21Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A21Z&ske=2025-05-20T12%3A10%3A21Z&sks=b&skv=2024-05-04&sig=ZYmIdgghGPdoPiDvw1Q50/Ck3vTcwoPPbr4q7vYvmEA%3D)\n\n\n

Job Summary:

\n

The Senior Manager of Sales for Contoso Electronics is responsible for the overall direction and management of the company's sales operations. The Senior Manager of Sales will work closely with the executive team to develop strategic business plans, ensure customer satisfaction, and oversee the execution of sales initiatives. The Senior Manager of Sales is responsible for developing and implementing strategies to grow sales and achieve top-line revenue goals.

\n

Responsibilities and Duties:

\n

\u00b7 Lead the development, implementation, and execution of sales plans to achieve top-line revenue objectives

\n

\u00b7 Analyze sales data and market trends to identify key opportunities and develop strategies to capitalize on them

\n

\u00b7 Develop and oversee sales teams to ensure performance goals are met

\n

\u00b7 Monitor team performance and provide coaching and guidance as needed

\n

\u00b7 Develop and maintain relationships with key customers

\n

\u00b7 Develop and execute promotional activities, including trade shows and marketing campaigns

\n

\u00b7 Negotiate and manage sales contracts

\n

\u00b7 Establish and maintain strong relationships with vendors

\n

\u00b7 Ensure compliance with all applicable laws and regulations

\n

\u00b7 Assess and update sales policies and procedures as needed

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business or a related field

\u00b7 5+ years of sales management experience

\n

\u00b7 Proven track record of success in achieving sales goals

\n

\u00b7 Ability to develop and implement sales strategies

\n

\u00b7 Strong negotiation and communication skills

\n

\u00b7 Experience with CRM systems and sales analytics software

\n

\u00b7 Self-motivated and able to work independently

\n

\u00b7 Ability to work in a fast-paced environment and manage multiple tasks simultaneously

\n

\u00b7 Excellent problem solving and decision making skills

\n

\u00b7 Professional demeanor with excellent customer service skills

\n

Senior Manager of Marketing

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A22Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A22Z&ske=2025-05-20T12%3A10%3A22Z&sks=b&skv=2024-05-04&sig=HTCrtcmo14d9x4mU4UreNs6FSuRsddorRFegG773Mws%3D)\n\n\n

Responsibilities:

\u00b7 Lead, manage, and motivate the sales team to ensure that targets and objectives are met.

\n

\u00b7 Develop and implement successful sales strategies and processes.

\n

\u00b7 Analyze sales and market data in order to identify trends, opportunities, and areas for

\n

improvement.

\n

\u00b7 Develop and maintain relationships with key customers and vendors.

\n

\u00b7 Ensure that all sales activities are conducted in accordance with company policies and procedures.

\n

\u00b7 Monitor sales team performance and provide regular feedback and coaching.

\n

\u00b7 Develop and manage the sales budget.

\n

\u00b7 Develop and implement sales plans and forecasts.

\n

\u00b7 Monitor competitor activity and adjust sales strategy accordingly.

\n

\u00b7 Ensure that all customer inquiries and complaints are addressed in a timely manner.

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business, marketing, or a related field.

\n

\u00b7 At least 5 years of experience in sales management.

\n

\u00b7 Excellent communication, negotiation, and interpersonal skills.

\n

\u00b7 Ability to analyze sales and market data.

\n

\u00b7 Strong leadership and organizational skills.

\n

\u00b7 Proficiency in Microsoft Office and other related software applications.

\n

\u00b7 Knowledge of sales strategies and processes.

\n

\u00b7 Ability to work well with a team.

\n

\u00b7 Ability to motivate and inspire others.

\n

\u00b7 Flexible and able to work in a fast-paced environment.

\n

Manager of Marketing

\n

Job Title: Manager of Marketing for Contoso Electronics

\n

Job Summary:

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A22Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A22Z&ske=2025-05-20T12%3A10%3A22Z&sks=b&skv=2024-05-04&sig=HTCrtcmo14d9x4mU4UreNs6FSuRsddorRFegG773Mws%3D)\n\n\n

Job Summary:

\n

The Senior Manager of Sales for Contoso Electronics is responsible for the overall direction and management of the company's sales operations. The Senior Manager of Sales will work closely with the executive team to develop strategic business plans, ensure customer satisfaction, and oversee the execution of sales initiatives. The Senior Manager of Sales is responsible for developing and implementing strategies to grow sales and achieve top-line revenue goals.

\n

Responsibilities and Duties:

\n

\u00b7 Lead the development, implementation, and execution of sales plans to achieve top-line revenue objectives

\n

\u00b7 Analyze sales data and market trends to identify key opportunities and develop strategies to capitalize on them

\n

\u00b7 Develop and oversee sales teams to ensure performance goals are met

\n

\u00b7 Monitor team performance and provide coaching and guidance as needed

\n

\u00b7 Develop and maintain relationships with key customers

\n

\u00b7 Develop and execute promotional activities, including trade shows and marketing campaigns

\n

\u00b7 Negotiate and manage sales contracts

\n

\u00b7 Establish and maintain strong relationships with vendors

\n

\u00b7 Ensure compliance with all applicable laws and regulations

\n

\u00b7 Assess and update sales policies and procedures as needed

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business or a related field

\u00b7 5+ years of sales management experience

\n

\u00b7 Proven track record of success in achieving sales goals

\n

\u00b7 Ability to develop and implement sales strategies

\n

\u00b7 Strong negotiation and communication skills

\n

\u00b7 Experience with CRM systems and sales analytics software

\n

\u00b7 Self-motivated and able to work independently

\n

\u00b7 Ability to work in a fast-paced environment and manage multiple tasks simultaneously

\n

\u00b7 Excellent problem solving and decision making skills

\n

\u00b7 Professional demeanor with excellent customer service skills

\n

Senior Manager of Marketing

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A22Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A22Z&ske=2025-05-20T12%3A10%3A22Z&sks=b&skv=2024-05-04&sig=HTCrtcmo14d9x4mU4UreNs6FSuRsddorRFegG773Mws%3D)\n\n\n

Responsibilities:

\u00b7 Lead, manage, and motivate the sales team to ensure that targets and objectives are met.

\n

\u00b7 Develop and implement successful sales strategies and processes.

\n

\u00b7 Analyze sales and market data in order to identify trends, opportunities, and areas for

\n

improvement.

\n

\u00b7 Develop and maintain relationships with key customers and vendors.

\n

\u00b7 Ensure that all sales activities are conducted in accordance with company policies and procedures.

\n

\u00b7 Monitor sales team performance and provide regular feedback and coaching.

\n

\u00b7 Develop and manage the sales budget.

\n

\u00b7 Develop and implement sales plans and forecasts.

\n

\u00b7 Monitor competitor activity and adjust sales strategy accordingly.

\n

\u00b7 Ensure that all customer inquiries and complaints are addressed in a timely manner.

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business, marketing, or a related field.

\n

\u00b7 At least 5 years of experience in sales management.

\n

\u00b7 Excellent communication, negotiation, and interpersonal skills.

\n

\u00b7 Ability to analyze sales and market data.

\n

\u00b7 Strong leadership and organizational skills.

\n

\u00b7 Proficiency in Microsoft Office and other related software applications.

\n

\u00b7 Knowledge of sales strategies and processes.

\n

\u00b7 Ability to work well with a team.

\n

\u00b7 Ability to motivate and inspire others.

\n

\u00b7 Flexible and able to work in a fast-paced environment.

\n

Manager of Marketing

\n

Job Title: Manager of Marketing for Contoso Electronics

\n

Job Summary:

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A22Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A22Z&ske=2025-05-20T12%3A10%3A22Z&sks=b&skv=2024-05-04&sig=HTCrtcmo14d9x4mU4UreNs6FSuRsddorRFegG773Mws%3D)\n\n\n

Job Summary:

\n

The Senior Manager of Sales for Contoso Electronics is responsible for the overall direction and management of the company's sales operations. The Senior Manager of Sales will work closely with the executive team to develop strategic business plans, ensure customer satisfaction, and oversee the execution of sales initiatives. The Senior Manager of Sales is responsible for developing and implementing strategies to grow sales and achieve top-line revenue goals.

\n

Responsibilities and Duties:

\n

\u00b7 Lead the development, implementation, and execution of sales plans to achieve top-line revenue objectives

\n

\u00b7 Analyze sales data and market trends to identify key opportunities and develop strategies to capitalize on them

\n

\u00b7 Develop and oversee sales teams to ensure performance goals are met

\n

\u00b7 Monitor team performance and provide coaching and guidance as needed

\n

\u00b7 Develop and maintain relationships with key customers

\n

\u00b7 Develop and execute promotional activities, including trade shows and marketing campaigns

\n

\u00b7 Negotiate and manage sales contracts

\n

\u00b7 Establish and maintain strong relationships with vendors

\n

\u00b7 Ensure compliance with all applicable laws and regulations

\n

\u00b7 Assess and update sales policies and procedures as needed

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business or a related field

\u00b7 5+ years of sales management experience

\n

\u00b7 Proven track record of success in achieving sales goals

\n

\u00b7 Ability to develop and implement sales strategies

\n

\u00b7 Strong negotiation and communication skills

\n

\u00b7 Experience with CRM systems and sales analytics software

\n

\u00b7 Self-motivated and able to work independently

\n

\u00b7 Ability to work in a fast-paced environment and manage multiple tasks simultaneously

\n

\u00b7 Excellent problem solving and decision making skills

\n

\u00b7 Professional demeanor with excellent customer service skills

\n

Senior Manager of Marketing

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A22Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A22Z&ske=2025-05-20T12%3A10%3A22Z&sks=b&skv=2024-05-04&sig=HTCrtcmo14d9x4mU4UreNs6FSuRsddorRFegG773Mws%3D)\n\n\n

Responsibilities:

\u00b7 Lead, manage, and motivate the sales team to ensure that targets and objectives are met.

\n

\u00b7 Develop and implement successful sales strategies and processes.

\n

\u00b7 Analyze sales and market data in order to identify trends, opportunities, and areas for

\n

improvement.

\n

\u00b7 Develop and maintain relationships with key customers and vendors.

\n

\u00b7 Ensure that all sales activities are conducted in accordance with company policies and procedures.

\n

\u00b7 Monitor sales team performance and provide regular feedback and coaching.

\n

\u00b7 Develop and manage the sales budget.

\n

\u00b7 Develop and implement sales plans and forecasts.

\n

\u00b7 Monitor competitor activity and adjust sales strategy accordingly.

\n

\u00b7 Ensure that all customer inquiries and complaints are addressed in a timely manner.

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business, marketing, or a related field.

\n

\u00b7 At least 5 years of experience in sales management.

\n

\u00b7 Excellent communication, negotiation, and interpersonal skills.

\n

\u00b7 Ability to analyze sales and market data.

\n

\u00b7 Strong leadership and organizational skills.

\n

\u00b7 Proficiency in Microsoft Office and other related software applications.

\n

\u00b7 Knowledge of sales strategies and processes.

\n

\u00b7 Ability to work well with a team.

\n

\u00b7 Ability to motivate and inspire others.

\n

\u00b7 Flexible and able to work in a fast-paced environment.

\n

Manager of Marketing

\n

Job Title: Manager of Marketing for Contoso Electronics

\n

Job Summary:

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A23Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A22Z&ske=2025-05-20T12%3A10%3A22Z&sks=b&skv=2024-05-04&sig=liAsAfUagrIeHm9A4zbDbfkJwt6VkeYUJyKwjl4RDLM%3D)\n\n\n

Responsibilities:

\u00b7 Lead, manage, and motivate the sales team to ensure that targets and objectives are met.

\n

\u00b7 Develop and implement successful sales strategies and processes.

\n

\u00b7 Analyze sales and market data in order to identify trends, opportunities, and areas for

\n

improvement.

\n

\u00b7 Develop and maintain relationships with key customers and vendors.

\n

\u00b7 Ensure that all sales activities are conducted in accordance with company policies and procedures.

\n

\u00b7 Monitor sales team performance and provide regular feedback and coaching.

\n

\u00b7 Develop and manage the sales budget.

\n

\u00b7 Develop and implement sales plans and forecasts.

\n

\u00b7 Monitor competitor activity and adjust sales strategy accordingly.

\n

\u00b7 Ensure that all customer inquiries and complaints are addressed in a timely manner.

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business, marketing, or a related field.

\n

\u00b7 At least 5 years of experience in sales management.

\n

\u00b7 Excellent communication, negotiation, and interpersonal skills.

\n

\u00b7 Ability to analyze sales and market data.

\n

\u00b7 Strong leadership and organizational skills.

\n

\u00b7 Proficiency in Microsoft Office and other related software applications.

\n

\u00b7 Knowledge of sales strategies and processes.

\n

\u00b7 Ability to work well with a team.

\n

\u00b7 Ability to motivate and inspire others.

\n

\u00b7 Flexible and able to work in a fast-paced environment.

\n

Manager of Marketing

\n

Job Title: Manager of Marketing for Contoso Electronics

\n

Job Summary:

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A23Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A23Z&ske=2025-05-20T12%3A10%3A23Z&sks=b&skv=2024-05-04&sig=OE1jm3YM74jynTlyMwypkL/H556QdO7%2BTLyrJnmOHnk%3D)\n\n\n

Responsibilities:

\u00b7 Lead, manage, and motivate the sales team to ensure that targets and objectives are met.

\n

\u00b7 Develop and implement successful sales strategies and processes.

\n

\u00b7 Analyze sales and market data in order to identify trends, opportunities, and areas for

\n

improvement.

\n

\u00b7 Develop and maintain relationships with key customers and vendors.

\n

\u00b7 Ensure that all sales activities are conducted in accordance with company policies and procedures.

\n

\u00b7 Monitor sales team performance and provide regular feedback and coaching.

\n

\u00b7 Develop and manage the sales budget.

\n

\u00b7 Develop and implement sales plans and forecasts.

\n

\u00b7 Monitor competitor activity and adjust sales strategy accordingly.

\n

\u00b7 Ensure that all customer inquiries and complaints are addressed in a timely manner.

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business, marketing, or a related field.

\n

\u00b7 At least 5 years of experience in sales management.

\n

\u00b7 Excellent communication, negotiation, and interpersonal skills.

\n

\u00b7 Ability to analyze sales and market data.

\n

\u00b7 Strong leadership and organizational skills.

\n

\u00b7 Proficiency in Microsoft Office and other related software applications.

\n

\u00b7 Knowledge of sales strategies and processes.

\n

\u00b7 Ability to work well with a team.

\n

\u00b7 Ability to motivate and inspire others.

\n

\u00b7 Flexible and able to work in a fast-paced environment.

\n

Manager of Marketing

\n

Job Title: Manager of Marketing for Contoso Electronics

\n

Job Summary:

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A23Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A23Z&ske=2025-05-20T12%3A10%3A23Z&sks=b&skv=2024-05-04&sig=OE1jm3YM74jynTlyMwypkL/H556QdO7%2BTLyrJnmOHnk%3D)\n\n\n

Job Summary:

\n

The Senior Manager of Sales for Contoso Electronics is responsible for the overall direction and management of the company's sales operations. The Senior Manager of Sales will work closely with the executive team to develop strategic business plans, ensure customer satisfaction, and oversee the execution of sales initiatives. The Senior Manager of Sales is responsible for developing and implementing strategies to grow sales and achieve top-line revenue goals.

\n

Responsibilities and Duties:

\n

\u00b7 Lead the development, implementation, and execution of sales plans to achieve top-line revenue objectives

\n

\u00b7 Analyze sales data and market trends to identify key opportunities and develop strategies to capitalize on them

\n

\u00b7 Develop and oversee sales teams to ensure performance goals are met

\n

\u00b7 Monitor team performance and provide coaching and guidance as needed

\n

\u00b7 Develop and maintain relationships with key customers

\n

\u00b7 Develop and execute promotional activities, including trade shows and marketing campaigns

\n

\u00b7 Negotiate and manage sales contracts

\n

\u00b7 Establish and maintain strong relationships with vendors

\n

\u00b7 Ensure compliance with all applicable laws and regulations

\n

\u00b7 Assess and update sales policies and procedures as needed

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business or a related field

\u00b7 5+ years of sales management experience

\n

\u00b7 Proven track record of success in achieving sales goals

\n

\u00b7 Ability to develop and implement sales strategies

\n

\u00b7 Strong negotiation and communication skills

\n

\u00b7 Experience with CRM systems and sales analytics software

\n

\u00b7 Self-motivated and able to work independently

\n

\u00b7 Ability to work in a fast-paced environment and manage multiple tasks simultaneously

\n

\u00b7 Excellent problem solving and decision making skills

\n

\u00b7 Professional demeanor with excellent customer service skills

\n

Senior Manager of Marketing

\n\nrole_library: [/documents/role_library.pdf](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/role_library.pdf?se=2030-05-18T12%3A10%3A23Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A23Z&ske=2025-05-20T12%3A10%3A23Z&sks=b&skv=2024-05-04&sig=OE1jm3YM74jynTlyMwypkL/H556QdO7%2BTLyrJnmOHnk%3D)\n\n\n

Responsibilities:

\u00b7 Lead, manage, and motivate the sales team to ensure that targets and objectives are met.

\n

\u00b7 Develop and implement successful sales strategies and processes.

\n

\u00b7 Analyze sales and market data in order to identify trends, opportunities, and areas for

\n

improvement.

\n

\u00b7 Develop and maintain relationships with key customers and vendors.

\n

\u00b7 Ensure that all sales activities are conducted in accordance with company policies and procedures.

\n

\u00b7 Monitor sales team performance and provide regular feedback and coaching.

\n

\u00b7 Develop and manage the sales budget.

\n

\u00b7 Develop and implement sales plans and forecasts.

\n

\u00b7 Monitor competitor activity and adjust sales strategy accordingly.

\n

\u00b7 Ensure that all customer inquiries and complaints are addressed in a timely manner.

\n

Qualifications:

\n

\u00b7 Bachelor's degree in business, marketing, or a related field.

\n

\u00b7 At least 5 years of experience in sales management.

\n

\u00b7 Excellent communication, negotiation, and interpersonal skills.

\n

\u00b7 Ability to analyze sales and market data.

\n

\u00b7 Strong leadership and organizational skills.

\n

\u00b7 Proficiency in Microsoft Office and other related software applications.

\n

\u00b7 Knowledge of sales strategies and processes.

\n

\u00b7 Ability to work well with a team.

\n

\u00b7 Ability to motivate and inspire others.

\n

\u00b7 Flexible and able to work in a fast-paced environment.

\n

Manager of Marketing

\n

Job Title: Manager of Marketing for Contoso Electronics

\n

Job Summary:

", "latency": 9.824532, "response_length": 1295} +{"query": "How do I submit timesheets or track my hours?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.469024, "response_length": 100} +{"query": "What is the process for requesting time off?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 5.49835, "response_length": 100} +{"query": "How do I access my email and other company systems?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.147952, "response_length": 100} +{"query": "How do emerging markets funds manage risk?", "ground_truth": "The requested information is not available in the retrieved data. Please try another query or topic.", "context": "", "latency": 4.033448, "response_length": 100} +{"query": "Describe in more detail the risk from market volitality", "ground_truth": "The company is exposed to several types of market risks, including foreign exchange rates, interest rates, credit risk, and equity prices. These risks can impact the company's consolidated financial statements despite the use of derivative instruments to manage them.\n\n1. **Foreign Currency Risk**: Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. The company monitors its foreign currency exposures daily to maximize the economic effectiveness of its foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar. Foreign currency risks related to certain non-U.S. dollar-denominated investments are hedged using foreign exchange forward contracts designated as fair value hedging instruments. Additionally, foreign currency risks related to certain Euro-denominated debt are hedged using foreign exchange forward contracts designated as cash flow hedging instruments. Options and forwards not designated as hedging instruments are also used to manage variability in foreign exchange rates on certain balance sheet amounts and other foreign currency exposures [doc1][doc2][doc3][doc4][doc5].\n\n2. **Interest Rate Risk**: Securities held in the company's fixed-income portfolio are subject to different interest rate risks based on their maturities. The company manages the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices. Interest rate risks related to certain fixed-rate debt are hedged using interest rate swaps designated as fair value hedging instruments to effectively convert fixed interest rates to floating interest rates. Option, futures, and swap contracts, which are not designated as hedging instruments, are also used to manage these risks [doc6][doc7][doc8][doc9][doc10].\n\n3. **Credit Risk**: The company's fixed-income portfolio is diversified and consists primarily of investment-grade securities. Credit exposures are managed relative to broad-based indices to facilitate portfolio diversification. Credit default swap contracts, which are not designated as hedging instruments, are used to manage credit exposures relative to broad-based indices [doc11][doc12][doc13][doc14][doc15].\n\n4. **Equity Price Risk**: Securities held in the company's equity investments portfolio are subject to market price risk. At times, the company may hold options, futures, and swap contracts, which are not designated as hedging instruments, to manage this risk [doc16][doc17][doc18][doc19][doc20].\n\nThe company conducts sensitivity analysis to assess the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices [doc21][doc22][doc23].", "context": "MSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A10%3A52Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A52Z&ske=2025-05-20T12%3A10%3A52Z&sks=b&skv=2024-05-04&sig=lxSrrH8rgY7xUElXrYbCViKTztX6CI6mazsLyyH4xPM%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A10%3A52Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A52Z&ske=2025-05-20T12%3A10%3A52Z&sks=b&skv=2024-05-04&sig=lxSrrH8rgY7xUElXrYbCViKTztX6CI6mazsLyyH4xPM%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A10%3A52Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A52Z&ske=2025-05-20T12%3A10%3A52Z&sks=b&skv=2024-05-04&sig=lxSrrH8rgY7xUElXrYbCViKTztX6CI6mazsLyyH4xPM%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A10%3A53Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A53Z&ske=2025-05-20T12%3A10%3A53Z&sks=b&skv=2024-05-04&sig=ZTzUeHL4er5fFny1jqo59WLO70RC4OsXZPrSIYgGm%2B8%3D)\n\n\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n

Foreign currency risks related to certain non-U.S. dollar-denominated investments are hedged using foreign exchange forward contracts that are designated as fair value hedging instruments. Foreign currency risks related to certain Euro-denominated debt are hedged using foreign exchange forward contracts that are designated as cash flow hedging instruments.

\n

Certain options and forwards not designated as hedging instruments are also used to manage the variability in foreign exchange rates on certain balance sheet amounts and to manage other foreign currency exposures.

\n

Interest Rate

\n

Interest rate risks related to certain fixed-rate debt are hedged using interest rate swaps that are designated as fair value hedging instruments to effectively convert the fixed interest rates to floating interest rates.

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of our fixed-income portfolio to achieve economic returns that correlate to certain broad-based fixed-income indices using option, futures, and swap contracts. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to market price risk.\u00a0At times, we may hold options, futures, and swap contracts. These contracts are not designated as hedging instruments.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We use credit default swap contracts to manage credit exposures relative to broad-based indices and to facilitate portfolio diversification. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Credit-Risk-Related Contingent Features

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A10%3A54Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A53Z&ske=2025-05-20T12%3A10%3A53Z&sks=b&skv=2024-05-04&sig=MhiCA4OR0xC1x/n8TZFk3kI6s4j5Ua7okllYQJORVgs%3D)\n\n\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n

Foreign currency risks related to certain non-U.S. dollar-denominated investments are hedged using foreign exchange forward contracts that are designated as fair value hedging instruments. Foreign currency risks related to certain Euro-denominated debt are hedged using foreign exchange forward contracts that are designated as cash flow hedging instruments.

\n

Certain options and forwards not designated as hedging instruments are also used to manage the variability in foreign exchange rates on certain balance sheet amounts and to manage other foreign currency exposures.

\n

Interest Rate

\n

Interest rate risks related to certain fixed-rate debt are hedged using interest rate swaps that are designated as fair value hedging instruments to effectively convert the fixed interest rates to floating interest rates.

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of our fixed-income portfolio to achieve economic returns that correlate to certain broad-based fixed-income indices using option, futures, and swap contracts. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to market price risk.\u00a0At times, we may hold options, futures, and swap contracts. These contracts are not designated as hedging instruments.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We use credit default swap contracts to manage credit exposures relative to broad-based indices and to facilitate portfolio diversification. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Credit-Risk-Related Contingent Features

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A10%3A54Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A54Z&ske=2025-05-20T12%3A10%3A54Z&sks=b&skv=2024-05-04&sig=icvwoLirIJA7%2B77kmK5D9Y6t%2BtxG2wbu499P6bH1Vxg%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A10%3A55Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A54Z&ske=2025-05-20T12%3A10%3A54Z&sks=b&skv=2024-05-04&sig=wduOeCZm7oXQdViY/IerkEodZLB0B6veLgrjJ9KpAho%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A10%3A55Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A55Z&ske=2025-05-20T12%3A10%3A55Z&sks=b&skv=2024-05-04&sig=8cLwnxJcQFEQw437vbGvD8rG6JvPqaEVV0zuAyowx%2Bg%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A10%3A55Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A55Z&ske=2025-05-20T12%3A10%3A55Z&sks=b&skv=2024-05-04&sig=8cLwnxJcQFEQw437vbGvD8rG6JvPqaEVV0zuAyowx%2Bg%3D)\n\n\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n

Foreign currency risks related to certain non-U.S. dollar-denominated investments are hedged using foreign exchange forward contracts that are designated as fair value hedging instruments. Foreign currency risks related to certain Euro-denominated debt are hedged using foreign exchange forward contracts that are designated as cash flow hedging instruments.

\n

Certain options and forwards not designated as hedging instruments are also used to manage the variability in foreign exchange rates on certain balance sheet amounts and to manage other foreign currency exposures.

\n

Interest Rate

\n

Interest rate risks related to certain fixed-rate debt are hedged using interest rate swaps that are designated as fair value hedging instruments to effectively convert the fixed interest rates to floating interest rates.

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of our fixed-income portfolio to achieve economic returns that correlate to certain broad-based fixed-income indices using option, futures, and swap contracts. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to market price risk.\u00a0At times, we may hold options, futures, and swap contracts. These contracts are not designated as hedging instruments.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We use credit default swap contracts to manage credit exposures relative to broad-based indices and to facilitate portfolio diversification. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Credit-Risk-Related Contingent Features

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A10%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A56Z&ske=2025-05-20T12%3A10%3A56Z&sks=b&skv=2024-05-04&sig=DD%2BTW8/zzMfce%2Bi4cSsz/ouuradIOUYWSoRzcQQCQLs%3D)\n\n\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n

Foreign currency risks related to certain non-U.S. dollar-denominated investments are hedged using foreign exchange forward contracts that are designated as fair value hedging instruments. Foreign currency risks related to certain Euro-denominated debt are hedged using foreign exchange forward contracts that are designated as cash flow hedging instruments.

\n

Certain options and forwards not designated as hedging instruments are also used to manage the variability in foreign exchange rates on certain balance sheet amounts and to manage other foreign currency exposures.

\n

Interest Rate

\n

Interest rate risks related to certain fixed-rate debt are hedged using interest rate swaps that are designated as fair value hedging instruments to effectively convert the fixed interest rates to floating interest rates.

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of our fixed-income portfolio to achieve economic returns that correlate to certain broad-based fixed-income indices using option, futures, and swap contracts. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to market price risk.\u00a0At times, we may hold options, futures, and swap contracts. These contracts are not designated as hedging instruments.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We use credit default swap contracts to manage credit exposures relative to broad-based indices and to facilitate portfolio diversification. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Credit-Risk-Related Contingent Features

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A10%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A56Z&ske=2025-05-20T12%3A10%3A56Z&sks=b&skv=2024-05-04&sig=DD%2BTW8/zzMfce%2Bi4cSsz/ouuradIOUYWSoRzcQQCQLs%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A10%3A56Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A56Z&ske=2025-05-20T12%3A10%3A56Z&sks=b&skv=2024-05-04&sig=DD%2BTW8/zzMfce%2Bi4cSsz/ouuradIOUYWSoRzcQQCQLs%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A10%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A57Z&ske=2025-05-20T12%3A10%3A57Z&sks=b&skv=2024-05-04&sig=frqIE4xeeSga9NTo%2Bi0m%2BzhQQZY6EBNVdotMEX8Bavg%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A10%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A57Z&ske=2025-05-20T12%3A10%3A57Z&sks=b&skv=2024-05-04&sig=frqIE4xeeSga9NTo%2Bi0m%2BzhQQZY6EBNVdotMEX8Bavg%3D)\n\n\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n

Foreign currency risks related to certain non-U.S. dollar-denominated investments are hedged using foreign exchange forward contracts that are designated as fair value hedging instruments. Foreign currency risks related to certain Euro-denominated debt are hedged using foreign exchange forward contracts that are designated as cash flow hedging instruments.

\n

Certain options and forwards not designated as hedging instruments are also used to manage the variability in foreign exchange rates on certain balance sheet amounts and to manage other foreign currency exposures.

\n

Interest Rate

\n

Interest rate risks related to certain fixed-rate debt are hedged using interest rate swaps that are designated as fair value hedging instruments to effectively convert the fixed interest rates to floating interest rates.

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of our fixed-income portfolio to achieve economic returns that correlate to certain broad-based fixed-income indices using option, futures, and swap contracts. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to market price risk.\u00a0At times, we may hold options, futures, and swap contracts. These contracts are not designated as hedging instruments.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We use credit default swap contracts to manage credit exposures relative to broad-based indices and to facilitate portfolio diversification. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Credit-Risk-Related Contingent Features

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A10%3A57Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A57Z&ske=2025-05-20T12%3A10%3A57Z&sks=b&skv=2024-05-04&sig=frqIE4xeeSga9NTo%2Bi0m%2BzhQQZY6EBNVdotMEX8Bavg%3D)\n\n\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n

Foreign currency risks related to certain non-U.S. dollar-denominated investments are hedged using foreign exchange forward contracts that are designated as fair value hedging instruments. Foreign currency risks related to certain Euro-denominated debt are hedged using foreign exchange forward contracts that are designated as cash flow hedging instruments.

\n

Certain options and forwards not designated as hedging instruments are also used to manage the variability in foreign exchange rates on certain balance sheet amounts and to manage other foreign currency exposures.

\n

Interest Rate

\n

Interest rate risks related to certain fixed-rate debt are hedged using interest rate swaps that are designated as fair value hedging instruments to effectively convert the fixed interest rates to floating interest rates.

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of our fixed-income portfolio to achieve economic returns that correlate to certain broad-based fixed-income indices using option, futures, and swap contracts. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to market price risk.\u00a0At times, we may hold options, futures, and swap contracts. These contracts are not designated as hedging instruments.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We use credit default swap contracts to manage credit exposures relative to broad-based indices and to facilitate portfolio diversification. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Credit-Risk-Related Contingent Features

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A10%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A57Z&ske=2025-05-20T12%3A10%3A57Z&sks=b&skv=2024-05-04&sig=hh8QggANQwBMnJmnBj3SF4sqm0Jx%2B6Z9iQRYg6ysmps%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A10%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A58Z&ske=2025-05-20T12%3A10%3A58Z&sks=b&skv=2024-05-04&sig=uLAper1tIaWVoCOJIAAWzI8e7Uj%2BeHaCwBivy/bXlLc%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A10%3A58Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A58Z&ske=2025-05-20T12%3A10%3A58Z&sks=b&skv=2024-05-04&sig=uLAper1tIaWVoCOJIAAWzI8e7Uj%2BeHaCwBivy/bXlLc%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A10%3A59Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A58Z&ske=2025-05-20T12%3A10%3A58Z&sks=b&skv=2024-05-04&sig=5GFtw%2BS2z8wxmsQ7mgIWvQcOVjf/eELjup/1H7kbDMo%3D)\n\n\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n

Foreign currency risks related to certain non-U.S. dollar-denominated investments are hedged using foreign exchange forward contracts that are designated as fair value hedging instruments. Foreign currency risks related to certain Euro-denominated debt are hedged using foreign exchange forward contracts that are designated as cash flow hedging instruments.

\n

Certain options and forwards not designated as hedging instruments are also used to manage the variability in foreign exchange rates on certain balance sheet amounts and to manage other foreign currency exposures.

\n

Interest Rate

\n

Interest rate risks related to certain fixed-rate debt are hedged using interest rate swaps that are designated as fair value hedging instruments to effectively convert the fixed interest rates to floating interest rates.

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of our fixed-income portfolio to achieve economic returns that correlate to certain broad-based fixed-income indices using option, futures, and swap contracts. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to market price risk.\u00a0At times, we may hold options, futures, and swap contracts. These contracts are not designated as hedging instruments.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We use credit default swap contracts to manage credit exposures relative to broad-based indices and to facilitate portfolio diversification. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Credit-Risk-Related Contingent Features

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A10%3A59Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A59Z&ske=2025-05-20T12%3A10%3A59Z&sks=b&skv=2024-05-04&sig=95q8/uj5XR0I7KNv9YnurXoam0CyMCWVmJj6cNodBI4%3D)\n\n\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency hedge positions.

\n

Foreign currency risks related to certain non-U.S. dollar-denominated investments are hedged using foreign exchange forward contracts that are designated as fair value hedging instruments. Foreign currency risks related to certain Euro-denominated debt are hedged using foreign exchange forward contracts that are designated as cash flow hedging instruments.

\n

Certain options and forwards not designated as hedging instruments are also used to manage the variability in foreign exchange rates on certain balance sheet amounts and to manage other foreign currency exposures.

\n

Interest Rate

\n

Interest rate risks related to certain fixed-rate debt are hedged using interest rate swaps that are designated as fair value hedging instruments to effectively convert the fixed interest rates to floating interest rates.

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of our fixed-income portfolio to achieve economic returns that correlate to certain broad-based fixed-income indices using option, futures, and swap contracts. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to market price risk.\u00a0At times, we may hold options, futures, and swap contracts. These contracts are not designated as hedging instruments.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We use credit default swap contracts to manage credit exposures relative to broad-based indices and to facilitate portfolio diversification. These contracts are not designated as hedging instruments and are included in \u201cOther contracts\u201d in the tables below.

\n

Credit-Risk-Related Contingent Features

\n\nMSFT_FY23Q4_10K (1): [/documents/MSFT_FY23Q4_10K (1).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%281%29.docx?se=2030-05-18T12%3A10%3A59Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A59Z&ske=2025-05-20T12%3A10%3A59Z&sks=b&skv=2024-05-04&sig=95q8/uj5XR0I7KNv9YnurXoam0CyMCWVmJj6cNodBI4%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K: [/documents/MSFT_FY23Q4_10K.docx](https://strzu4ccxi6fm2eu.blob.core.windows.net/documents/MSFT_FY23Q4_10K.docx?se=2030-05-18T12%3A10%3A59Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A10%3A59Z&ske=2025-05-20T12%3A10%3A59Z&sks=b&skv=2024-05-04&sig=95q8/uj5XR0I7KNv9YnurXoam0CyMCWVmJj6cNodBI4%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

\n\nMSFT_FY23Q4_10K (2): [/documents/MSFT_FY23Q4_10K (2).docx](https://strobi3t36om4a4a.blob.core.windows.net/documents/MSFT_FY23Q4_10K%20%282%29.docx?se=2030-05-18T12%3A11%3A00Z&sp=r&sv=2024-05-04&sr=c&skoid=e90f1238-6e3e-4a31-9447-6aa810afc687&sktid=52b39610-0746-4c25-a83d-d4f89fadedfe&skt=2025-05-19T12%3A11%3A00Z&ske=2025-05-20T12%3A11%3A00Z&sks=b&skv=2024-05-04&sig=IOBokjz0AuZSxYvyTEAk9Z50t8GBLj3uAFuHwVhD3cs%3D)\n\n\n

ITEM\u00a07A.\u00a0QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

\n

RISKS

\n

We are exposed to economic risk from foreign exchange rates, interest rates, credit risk, and equity prices. We use derivatives instruments to manage these risks, however, they may still impact our consolidated financial statements.

\n

Foreign Currencies

\n

Certain forecasted transactions, assets, and liabilities are exposed to foreign currency risk. We monitor our foreign currency exposures daily to maximize the economic effectiveness of our foreign currency positions, including hedges. Principal currency exposures include the Euro, Japanese yen, British pound, Canadian dollar, and Australian dollar.

\n

Interest Rate

\n

Securities held in our fixed-income portfolio are subject to different interest rate risks based on their maturities. We manage the average maturity of the fixed-income portfolio to achieve economic returns that correlate to certain global fixed-income indices.

\n

Credit

\n

Our fixed-income portfolio is diversified and consists primarily of investment-grade securities. We manage credit exposures relative to broad-based indices to facilitate portfolio diversification.

\n

Equity

\n

Securities held in our equity investments portfolio are subject to price risk.

\n

SENSITIVITY ANALYSIS

\n

The following table sets forth the potential loss in future earnings or fair values, including associated derivatives, resulting from hypothetical changes in relevant market rates or prices:

\n

\n

\n

ITEM\u00a08. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

\n

INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

COMPREHENSIVE INCOME STATEMENTS

\n

\n

Refer to accompanying notes.

\n

\n

BALANCE SHEETS

\n

", "latency": 18.845672, "response_length": 2859} diff --git a/tests/llm-evaluator/data/evaluation_results.xlsx b/tests/llm-evaluator/data/evaluation_results.xlsx new file mode 100644 index 000000000..096deea93 Binary files /dev/null and b/tests/llm-evaluator/data/evaluation_results.xlsx differ diff --git a/tests/llm-evaluator/data/input_questions.json b/tests/llm-evaluator/data/input_questions.json new file mode 100644 index 000000000..46478c934 --- /dev/null +++ b/tests/llm-evaluator/data/input_questions.json @@ -0,0 +1,61 @@ +{ + "questions": [ +"How do I enroll in health benefits as a new employee?", +"What options are available to me in terms of health coverage?", +"What providers are available under each option?", +"Can I access my current provider?", +"When is Open Enrollment?", +"What benefits are available to employees?", +"Where do I go to enroll in retirement benefits?", +"What benefits are available to my spouse as an employee at this company?", +"What's the difference in benefits between an HSA and FSA?", +"Which benefits am I eligible for?", +"Are there any waiting periods or conditions that need to be met before I can enroll in certain benefits", +"How do I enroll in employee benefits? ", +"What is the deadline for enrollment?", +"Are there any specific forms or online portals I need to use?", +"What specific services or expenses are covered by each benefit?", +"Are there any limitations, exclusions, or restrictions I should be aware of?", +"What is the cost of each benefit?", +"How much will be deducted from my paycheck for each benefit?", +"Are there any options 3 for cost-sharing between the employer and the employee?", +"Can I extend my benefits to cover my spouse or dependents?", +"What is the process for adding family members to my coverage?", +"Are there any additional costs associated with family coverage?", +"Are there preferred providers or networks for health insurance or other benefits?", +"Which providers are in-network, and what are the advantages of using them?", +"Can I still receive coverage if I choose an out-of-network provider?", +"What medications are covered under the prescription drug plan?", +"Are there any restrictions or limitations on specific medications?", +"Is there a preferred pharmacy network?", +"Flexible spending accounts (FSAs) or health savings accounts (HSAs): How do Flexible spending accounts (FSAs) or health savings accounts (HSAs) work?", +"What expenses are eligible for reimbursement?", +"How can I access the funds in my FSA or HSA?", +"What retirement plans are available?", +"How does the employer match contributions, if applicable?", +"What investment options are available?", +"What are the vesting rules?", +"What are the company's policies regarding vacation, sick leave, and parental leave? ", +"How are these benefits accrued and requested?", +"What should I do if I experience a life event such as marriage, birth/adoption, divorce, or a change in dependent status?", +"How can I update my benefit elections or add/remove dependents?", +"What happens to my benefits if I leave the company?", +"How can I continue coverage through COBRA?", +"What are the costs associated with COBRA coverage?", +"Where can I find detailed information about each benefit plan, including the summary plan description, coverage details, and contact information for the benefits administrator?", +"When is the open enrollment period?", +"What changes can I make to my benefits during this time?", +"Are there any new benefit options or changes for the upcoming plan year?", +"What are the core values of the company?", +"How does the company handle feedback and performance reviews?", +"What training do I have to complete in my first month at 'Company name'?", +"What are my main responsibilities (role specific)?", +"I use my personal device how will my private data be handled?", +"Are there any immediate tasks I should focus on as a Sales Manager?", +"How do I submit timesheets or track my hours?", +"What is the process for requesting time off?", +"How do I access my email and other company systems?", +"How do emerging markets funds manage risk?", +"Describe in more detail the risk from market volitality" + ] +} \ No newline at end of file diff --git a/tests/llm-evaluator/dataset_generation.py b/tests/llm-evaluator/dataset_generation.py new file mode 100644 index 000000000..2372d4df3 --- /dev/null +++ b/tests/llm-evaluator/dataset_generation.py @@ -0,0 +1,124 @@ +import json +import os + +from cwyd_conversation_client import CWYDConversationClient +from dotenv import load_dotenv + +# Load environment variables from .env file +load_dotenv() + +# Accessing environment variables +client_id = os.getenv("CLIENT_ID") +client_secret = os.getenv("CLIENT_SECRET") +tenant_id = os.getenv("TENANT_ID") +base_url = os.getenv("BASE_URL") + + +class QADatasetCreator: + def __init__(self, client_id, client_secret, tenant_id, base_url): + self.client = CWYDConversationClient( + client_id, client_secret, tenant_id, base_url + ) + + def extract_filename(self, citation): + """Safely extract filename from citation metadata""" + if "metadata" in citation and "filename" in citation["metadata"]: + return citation["metadata"]["filename"] + elif "title" in citation: + # Extract filename from title if it exists + title = citation["title"] + if title.startswith("/documents/"): + return title.split("/")[-1].replace(".pdf", "") + return "Unknown Source" + + def get_conversation_response(self, question): + """Wrapper to call CWYDConversationClient""" + return self.client.get_conversation_response(question) + + def create_dataset_entry(self, query, api_response, latency): + """Create a dataset entry in the required format""" + try: + # Extract the assistant's response from the API response + messages = api_response["choices"][0]["messages"] + response_content = next( + msg["content"] for msg in messages if msg["role"] == "assistant" + ) + + # Get context from the tool message if available + context = "" + for msg in messages: + if msg["role"] == "tool": + tool_content = json.loads(msg["content"]) + if "citations" in tool_content: + for citation in tool_content["citations"]: + if "content" in citation: + filename = self.extract_filename(citation) + context += f"{filename}: {citation['content']}\n\n" + + # Create the dataset entry + dataset_entry = { + "query": query, + "ground_truth": response_content, # Set ground_truth as the response content + "context": context.strip(), + "latency": round(latency, 6), + "response_length": len(response_content), + } + + return dataset_entry + except Exception as e: + raise Exception(f"Error creating dataset entry: {str(e)}") + + +def load_questions_from_file(file_path): + """Load questions from a JSON file""" + with open(file_path, "r") as file: + data = json.load(file) + return data.get("questions", []) + + +def main(): + # Configuration + config = { + "client_id": client_id, + "client_secret": client_secret, + "tenant_id": tenant_id, + "base_url": base_url, + } + + # Initialize creator + creator = QADatasetCreator(**config) + + # Load questions from questions.json file + questions = load_questions_from_file("data/input_questions.json") + print(f"Total questions to process: {len(questions)}") + + # Create dataset + dataset = [] + + with open("data/dataset.jsonl", "a") as dataset_file: + for index, question in enumerate( + questions, start=1 + ): # Process only the first 3 questions for testing + try: + api_response, latency = creator.get_conversation_response(question) + dataset_entry = creator.create_dataset_entry( + question, api_response, latency + ) + dataset.append(dataset_entry) + dataset_file.write(json.dumps(dataset_entry) + "\n") + + print( + f"[{index}/{len(questions)}] Successfully processed question: {question}" + ) + + except Exception as e: + print( + f"[{index}/{len(questions)}] Error processing question '{question}': {str(e)}" + ) + continue + + return dataset + + +if __name__ == "__main__": + main() diff --git a/tests/llm-evaluator/readme.md b/tests/llm-evaluator/readme.md new file mode 100644 index 000000000..3e2d6f39a --- /dev/null +++ b/tests/llm-evaluator/readme.md @@ -0,0 +1,63 @@ +# LLM Evaluation Framework + +## Glossary + +- **`ground_truth`** + The correct or ideal answer to the question (golden path) used as a reference during evaluation. + +- **`context`** + The source content (e.g., from a PDF document) from which the answer was extracted. + +- **`latency`** + The time taken (in seconds) to generate the response for a given query or question. + +- **`coherence`** + Measures the logical flow and consistency of the model’s response. A coherent response stays on-topic, aligns well with the context, and maintains clarity. + +- **`relevance`** + Evaluates how well the model’s response addresses the query or prompt and fulfills the user's information need. + +- **`fluency`** + Refers to the grammatical correctness, readability, and natural tone of the model’s response. A fluent output resembles human-written language. + +- **`similarity`** + Measures how closely the model's response matches the ground truth or expected answer in terms of meaning and structure. + +--- + +## Setup Instructions + +1. **Install dependencies** + Run the following command to install all required libraries: + ```bash + pip install -r requirements.txt + ``` + +2. **Environment Configuration** + Add the required variables in a .env file. Refer to .env.sample file for the structure and list of required keys. + +3. **Access Requirements** + If running the evaluation locally, ensure that the user has the **Cognitive Services OpenAI User** role assigned. This is necessary to authenticate and interact with Azure OpenAI resources. + + +## Script Overview + +1. **dataset_generation.py** + This script is used for generating dataset for the evaluation. + DONT RUN THIS FILE IF U ARE NOT MAKING ANY CHANGES IN questions.json + + **Input:** + input_questions.json (List of questions/queries for the accelerator) + **Output:** + dataset.json (Includes the query, response, context, and evaluation metadata.) + +2. **api_evaluation.py** + This script is used to generate the evaluation matrix for the dataset provided. + It performs automated evaluation using Azure AI metrics such as relevance, coherence, fluency, groundedness, and similarity. + + **Input:** + dataset.json (The output file from previous script) + **Output:** + evaluation_results.xlsx (Contains the evaluation result matrix for all the parameters) + +**Note:** All input and output files used in this project are organized within the `data/` folder: \ No newline at end of file diff --git a/tests/llm-evaluator/requirements.txt b/tests/llm-evaluator/requirements.txt new file mode 100644 index 000000000..0c6831390 --- /dev/null +++ b/tests/llm-evaluator/requirements.txt @@ -0,0 +1,8 @@ +azure-ai-evaluation +azure-ai-projects +azure-identity +openai +openpyxl +pandas +pathlib +typing-extensions