Open Enrollment Tips


If you have health insurance through your employer, you will participate in Open Enrollment, which starts every October 1st. Employers allow employees to make changes to their health insurance coverage during this time. During this time you can also see any changes that have been made to your health insurance plan since the last enrollment period.

For those currently employed, you can make changes during your employers Open Enrollment period for prescription drugs, vision, dental and health coverage, term life insurance, long-term care insurance or accidental death insurance. However, changes vary by employer and medical plan.

Pick the options you know you will use. Skip the options you do not need. Follow these 5 great tips to ensure the open enrollment process is painless.


Verify all of your information is accurate. If you have benefits that cannot be paid in the current year, ask your health plan provider if you can pay for the services using a Flexible Spending Account (FSA) or Health Savings Account (HSA).


Enroll early to allow enough time to fix errors and make any necessary updates.


Verify your medical providers will continue to accept your medical plan.


Sign up for a Health Savings Account or Flexible Spending Account to save money on out-of-pocket medical expenses.


Sign up for disability and/or long-term healthcare insurance if you have high medical costs.