Image

11:56 PM / Wednesday July 6, 2022

11 Oct 2019

Seven tips to help choose your health plan during open enrollment

  • Facebook
  • Twitter
October 11, 2019 Category: Seniors Posted by:

BPT

Open enrollment season is here, a time when millions of Americans across the country have the opportunity to select or switch their health insurance plan for 2020.

Image

To help guide you during this important time, Elena McFann, regional CEO with UnitedHealthcare, shares the following tips that may help lead you to better health and cost savings.

Tip 1: Know your open enrollment dates.

* For the 180 million Americans with employer-provided coverage, many employers set aside a 2-3-week period between September and December when employees can select health benefits for the following year.

* For the more than 64 million people enrolled in Medicare, Medicare Annual Enrollment runs from Oct. 15 to Dec. 7 each year.

For most people, changes made during this time will take effect Jan. 1, 2020.

Tip 2: Understand your options. When it comes to selecting a plan, one size does not fit all. Take the time to understand your options so you can find what will work best for you. A good first step is to make sure you understand health insurance lingo, such as premium, deductible, coinsurance and out-of-pocket maximum. If you need a refresher, check out UnitedHealth Group’s Just Plain Clear Glossary (in English, Spanish and Portuguese) to learn and understand health care terms. And if you’re eligible for Medicare, make sure you’re familiar with the difference between Original Medicare and Medicare Advantage as you weigh your options.

Tip 3: Anticipate next year’s health expenses. When reviewing your options, plan ahead. Maybe you are expecting a significant health event next year, such as a surgery or having a baby. If so, then it’s even more important to compare the “total cost” of your plan, not just your monthly premium. Plan designs vary, so also compare deductibles and out-of-pocket maximums.

Tip 4: Check to make sure your medications are covered. Even if you don’t expect to change plans, it’s important to make sure your prescription drugs will still be covered next year. Costs can change from year to year, and how much you pay for generics vs. brands may differ among health plans.

Tip 5: Ask about well-being programs. Many health plans now offer financial incentives that reward you for taking healthier actions, such as completing a health survey, walking, going to the gym or not using nicotine. Also, many Medicare Advantage plans offer gym memberships and wellness programs for members at no additional costs.

Tip 6: Don’t forget about specialty benefits. Additional benefits, such as dental, vision, hearing, disability or critical illness insurance, are often cost-effective coverage options that can help protect you and your family from head to toe. For Medicare beneficiaries, some may be surprised that Original Medicare doesn’t cover prescription drugs and most dental, vision and hearing services, but many Medicare Advantage plans do.

Tip 7: Try the convenience of virtual visits. If you are busy juggling kids’ schedules or work travel, or simply prefer to connect with a doctor from the comfort of your own home, consider choosing a plan that includes 24/7 virtual visits. It may be a convenient, lower-cost way to talk to a doctor about minor health issues, and all you need is a smartphone, tablet or computer. Often, telehealth is available to members of employer-sponsored, individual and Medicare Advantage plans.

For more helpful articles and videos about open enrollment and health care, visit UHCOpenEnrollment.com.

  • Facebook
  • Twitter

Leave a Comment

Recent News

Education

Congress approves free student meal extension through summer

July 6, 2022

Tweet Share Pin Email ABOVE PHOTO: First graders, from left, Kendal Kates and Ryan Kenney are excited...

Commentary

SUNrise: cj speaks…  You Are Okay — a poem

July 6, 2022

Tweet Share Pin Email Do not allow others to misguide you to do something that you know...

Go With The-Flo

Simone Gordon of The Black Fairy Godmother Foundation shared her story on “The Kelly Clarkson Show”

July 6, 2022

Tweet Share Pin Email ABIOVE PHOTO: Simone Gordon (Photo: theblackfairygodmother.org) By Flo Anthony After a year of...

Color Of Money

How to improve cash flow for small businesses

July 6, 2022

Tweet Share Pin Email BPT The last few years have been rocky times for the 32.5 million...

Style

Your weekend, your time: Five great tips for shaking the Sunday blues

July 6, 2022

Tweet Share Pin Email BPT Do you sometimes find yourself feeling less than optimistic as your weekend...

Food And Beverage

What’s Cookin’? Vegan Chocolate Cake with Fruit Compote

July 6, 2022

Tweet Share Pin Email Tweet Share Pin Email Related Posts What’s Cookin’? Vegan Lemon Olive Oil Cake...

The Philadelphia Sunday Sun Staff