We’ve offered some tips as to what employers need to do to prepare for open enrollment. But what about their employees?
As today’s workforce is taking on more and more responsibility for their health care, it’s never been more important for them to make informed decisions in choosing the appropriate coverages for themselves and their families.
A recent article by Employee Benefit Adviser offers 8 tips employees should know before this year’s enrollment period begins. Here are a few takeaways:
- Be informed. Many employers have numerous online resources you can review to help you understand your options. Take advantage of them.
- Take account of your past health care spending, as well as any anticipated new expenses, to help determine your future needs.
- Determine if your doctor and hospital are still covered by all the health plans offered.
- Consider the needs of all your dependents to find the most cost effective option for each family member, if there are other sources available.
- Become familiar with Consumer Driven Health Plans and determine if this low cost, high deductible plan could be right for you.
- Learn what wellness programs are available to you, such as weight loss programs and health assessments.
- Don’t stop with health insurance. Explore the other benefits your employer offers, like life and disability insurance or retirement plans.