Open Enrollment

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Your Open Enrollment Checklist

Tips to easily choose your health benefits

It's that time of the year again: Open enrollmentOpen enrollment
A time, often in the fall, when employees choose their health plans for the following year. You typi... more
. It's your once-a-year chance to make choices and changes to your benefits plan. Are you ready? This checklist can help you prepare.

Know when your open enrollmentopen enrollment
A time, often in the fall, when employees choose their health plans for the following year. You typi... more
starts
And know when your open enrollmentopen enrollment
A time, often in the fall, when employees choose their health plans for the following year. You typi... more
ends, too. Check with your employer. For most companies, it’s usually a 30-day period in the fall.

Read up on all plans offered
Ask for plan materials from your employer. And check out the websites of any health plans that are offered. Your employer may have an online tool to help you compare plan choices, too. If it’s available, use it!

Make a list of the benefits you used (and didn’t)
Maybe you visit your family doctor much more often than specialists. Then a plan with referrals and lower costs may be your best option. When you figure out what parts of your plan you use most — and what you don’t — you can spend your health care dollars where you really need to.

Learn plan features you do and don’t want
Try the Health Plan Matchmaker tool.  It helps you pick plan features that are most important to you. Just thinking about your health needs outside of medical care — like dental or vision — can help you choose the right plan for all of your health care needs. 


Budget for future health care costs
Consider a health savings account (HSA)health savings account (HSA)
This savings account allows people to pay current health care costs or save for future expenses. To ... more
or a flexible spending account (FSA)flexible spending account (FSA)
A FSA is an account tied to an employer-sponsored health plan. It can be used to pay for medical exp... more
. These are two types of health funds that let you save money to pay for certain medical expenses tax-free.

Look for discounts
Some health plans offer discounts on products and services like health clubs and eyeglasses. Or rewards for meeting wellness goals. These perks can really add up. So look for them at open enrollmentopen enrollment
A time, often in the fall, when employees choose their health plans for the following year. You typi... more
.

Explore all your benefits options
Even if you have only one choice for a health planhealth plan
A health plan that you buy or that is provided by your employer. It pays for health care services. I... more
, look for anything else you’re entitled to. For example, find out if your health planhealth plan
A health plan that you buy or that is provided by your employer. It pays for health care services. I... more
offers discounts for services like dental care or eyewear. These programs aren’t insurance. But they can offer great savings on services you’re already paying for.

Look at every plan detail
Learn the nuts and bolts of health insurance. Does your job offer more than one plan — like an HMO or PPO? Carefully review each plan so you can pick the one that best fits your needs. Your employer may offer a tool to help you compare. And you can find out lots more right here.

 

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