I participated in a campaign on behalf of Mom Central Consulting (#MC) for Aflac. I received a promotional item as a thank you for participating.
Are you confused or worried about your health insurance coverage or options for next year?
Then you are not alone. And that cute little duck can help you figure out your best options for open enrollment.
Aflac, the No. 1 provider of supplemental insurance in the U. S., released the 2013 Open Enrollment Survey, and these are the findings that surprised me the most:
- Seventy-four percent of workers sometimes or never understand everything that’s covered by their insurance policy.
- Twenty-eight percent of employees are confused, worried, or unsure about the change their employer is making to their health care coverage due to health care reform.
- Sixty percent of workers have not begun to educate themselves about coming changes to their benefits package due to health care reform.
That’s too many people who are worried about having adequate and affordable health insurance in my book.
Since I’m self-employed, I don’t have insurance through my employer. If you do — lucky duck — then definitely make sure you get the best deal possible! It’s so important to have excellent health care coverage.
Would you like assistance with health insurance options? Then look at the Aflac’s Open Enrollment Resources. It explains the changes in health care in a simple way and answers a lot of questions you might have.
Here are a few tips to keep in mind during open enrollment:
- Don’t make assumptions: If your company hasn’t made any material changes to its health insurance plan since health care reform legislation was passed in 2010, it may be exempt for now from offering widely discussed essential health benefits, including free preventive services. Ask your HR manager if your policy options changed to include new benefits made available by health care reform.
- Check your spouse’s benefits package: Your employer doesn’t have to offer insurance to your spouse and more companies are cutting this option. Even if your employer does offer your spouse insurance, the company is not obligated to pay anything toward the premium. If your spouse has access to employer-sponsored health insurance through his or her job, it may make sense to purchase two individual policies as opposed to one family policy.
- Don’t double up: Health care reform legislation requires plans in the individual and small group markets to offer essential health benefits like pediatric vision and dental, and chronic disease management services. Check all aspects of your medical plan so you know what’s covered and what isn’t.
I hope these tips will help you find the best options for your family.