Hey all!
I don't know about you, but me and my family have some health issues that we deal with that makes it necessary for my family to have a good health benefits plan. I have Crohn's Disease and my teen has IBS, which are bowel problems. My none hubby is kind of the only one who doesn't have a medical issue that doesn't need to be supervised. So when it comes to picking a health plan it's very important to me to choose a plan that fits our needs. I'm sure it's important issue for you as well. So when your companies open enrollment period begins this year it is important that you pick the right plan for your family.
Open enrollment is the time when you can make changes to your health benefits plan. It’s held once a year, often between October and December and lasts for about 30 days. So you need to do a lot of research in a quick amount of time to make sure you get the right plan! Here are some tips you can do to pick a plan in 60 minutes or less and make yourself lead a more healthier life too!
Here are 5 tips to getting the right plan for your family in in 60 minutes or less:
1. Prioritize - What are the needs of your families health? Do you have any health issues that will need long term care.
2. Calculate- How much can you afford to spend on deductibles or if you go out of network and prescriptions in a year? Make a budget!
3. Predict- Look ahead to doctors’ visits or health screenings. Health care reform may make services like immunizations and health screenings easier to get. See if you can use of any of these options. It’s a great way to save money and stay healthy.
4. Compare Plans! If you have a choice between health plans, find the plan that gives you the biggest bang for your buck. If you have just one option with the health plan at work, or if you buy health benefits yourself, make sure to use all of these benefits that are included. For instance, child immunizations and wellness discounts may not be highlighted.
5. Think about what’s most important to you and your family. Is it the cost of prescription drugs? Is it being able to see out-of-network doctors without a referral? It might even be services like dental or vision exams.
You should consider trying Aetna's Health Benefits Priorities tool that can help direct you to a plan that meets your needs.
There’s also a lot you can do to better your health in an hour. Like you can take a yoga class, Make a healthy meal, Go to the dentist for a teeth cleaning, or Get a massage.
Keeping yourself healthy and getting your health benefits in order is one more smart way to help your physical and financial health. Studies show that changes in health benefits can result in big changes to a family’s finances. That’s why you need to make sure you get the right plan for you and your family!
I know that picking out insurance isn't always the greatest or easiest thing to do, but just remember that these steps will help you with making that choice and that health insurance will benefit you and your family in the long run and ultimately save you a lot of time, stress, and money. In an hour or less you can have a better understanding of what plan you would need for you and your family.
So take the hour to do this important decision for your family!
Thanks for letting me share this with you and thanks for following!
“I wrote this blog post while participating in the TwitterMoms and Aetna blogging program, making me eligible to get a $30 Target gift card. For more information on how you can participate, click here.”
