Know the deadline for open enrollment and don’t miss it.
Determine what benefits are important to you and if you need them.
Compare your health insurance plan with your spouses’ insurance plan.
Understand any changes for the new year and compare with the current benefits.
Review your medical and prescription drug expenses for the past year.
Make your best predictions on your medical and prescription drug expenses for the coming year.
Determine if you can benefit from plans with tax advantages, e.g. Flexible Spending Account (FSA) or Health Savings Account (HSA).
Review the health plan provider networks to make sure your providers are in-network.
Understand your out-of-pocket expenses, copays, deductibles, coinsurance, non-covered items, out-of-pocket maximums.
Ask and learn about company incentives to lower your expenses, e.g. incentive to call MAP®, incentives to get healthy.