As open enrollment approaches, many of Americans are faced with making important decisions in selecting health benefits for themselves, and their families, or just making changes to the already in placed health benefits. However, you must be careful not to make selfish decisions. Always have your spouse & children in mind when choosing benefits.
Here are 5 Tips On Making Wise & Healthy Decisions:
Communication: Open enrollment is open communication for you and your employer. Do not assume that your employer knows what you want or need. Ask questions about adding dependents, removing a health benefit that you no longer need, or changing your health benefit and it's entirety. Make sure to check with your employer's Human Resources department for the beginning & ending dates of open enrollment and the start date of your new policy.
Get Inform: Know about the various health benefits and options that your employer is offering you beforehand. Take advantage of the booklets, information sheets, or other resources that your employer provides to their employees, and read the information thoroughly. The more you know, the better it would be in choosing good health benefits for you and your family.
Must Prioritize: What is most important to you and your family? Dental & vision exams? Choosing generic prescriptions instead of brand name prescriptions? Or maybe seeing the same Doctor every time you visit the Doctor's office?
Wellness Discount: Some employers offer wellness discounts to employees that are non-smokers, who have a body mass index, blood pressure reading, glucose level, etc.. in their normal range (weekly). My husband was offered this discount from his employer and we saved $500/year in co-pays!
Compare Health Plans: If your employer is offering more than one health plan, compare them and see which plan would be the most beneficial to you and your family. However, if your employer only offers one health plan, make sure to use all of the health benefits that are included.
Nevertheless, open enrollment is the opportunity for you to review and possibly make the necessary changes to your health plan. The best choice is the one that meets your medical needs, while keeping your premiums & other payments at a minimal.
I wrote this blog post while participating in the TwitterMoms and Aetna blogging program, making me eligible to get a $30 Target gift card. For more information on how you can participate, click here.