Chances are that every year you get a packet from your HR department telling you it’s time to sign up for your employee benefits for the next year. Which you promptly recycle. Many people do not fully understand how to take advantage of their employee benefits. As a result, employees leave some good options on the table. Don’t be like most people! Your employee benefits can be a great opportunity for you to improve your wealth health. Here are some of my top tips for making the most of your employee benefits.Health Insurance  Which health plan is the best for you really depends on how often you go to the…