As you prepare to enroll in health insurance benefits this year, know that AUI is here to help. We are focused on you and your team with reviewing all your options in 2023. If you have any concerns about your existing plan, your AUI broker can help you review the options. We will look at what is available on the marketplace and compare offerings and pricing. We can also guide you with proper preparation may help alleviate some of the concerns that you have.
According to Kaiser Family Foundation in a health benefits survey “individual coverage premiums rose 58 percent, from an average of $5,049 annually in 2010 to $7,911 in 2022. Over the same period, family coverage premiums rose more than 63 percent, from $13,770 to $22,463.” – Employer Health Benefits: 2022 Annual Survey.
Today it is imperative that if you are accessing health care benefits as an individual or as a business. Just as important is understanding the benefit plans and what you get for what you pay for. That is where the team at AUI comes in to help. At no cost to individuals or your business, our team of brokers can work with you to find health care plans that fit your needs. In this blog we are going to give you our top 6 tips for anyone looking to renew or replace their health insurance benefits during the open enrollment period.
6 Tips for Open Enrollment:
Reassess the Health Care Needs of You and Your Dependents.
Health care plans change year to year, and open enrollment offers you a chance to reevaluate your health coverage. As you prepare for open enrollment this year, make sure to evaluate whether you’ve had any changes in the past year, or if you anticipate changes in health care needs in the upcoming year. Questions to consider include:
- Have you added any dependents?
- Do you anticipate changes in the health care needs of you or your dependents this year?
- Do you anticipate any changes in how regularly you or your dependents will see their health care providers?
- Do you or your dependents anticipate changes in the use of prescription medications?
Review Benefits Options Thoroughly.
Health care benefits adapt and change over time. It is important to review all the options offered during open enrollment. As plans and costs can change year to year, ensure you thoroughly review open enrollment resources that are provided to you, and ensure any questions you have are addressed before making any choices.
Reevaluate Medical Coverage.
Not all changes with health care plans are caused by the benefits program package. Provider networks can also change. For instance, the doctor that you love may opt out of being “in network.” AUI wrote an entire blog about this if you want to learn more about how to changes with your provides that affect your benefits. READ THE BLOG HERE