Getting Health Insurance

Making A List, Checking It Twice—Preparing for Open Enrollment

couple working on computer during open enrollment

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Every year around this time, we are surrounded by words and phrases that go hand-in-hand with the weather and events on our calendars. Pumpkins, boots, snowflakes, hot chocolate and health insurance…did I lose you on that last one? Health insurance? Whether you’ve earned diamonds or coal this year, “open enrollment” is a term heard often this time of year and everyone gets to participate! If you don’t quite understand with what open enrollment is or why it’s here, we’ve broken that down for you. Now that the window for selecting and switching your coverage is right in front of us, we’ve put together a list of things to remember before shopping, along with how to select the best plan for you, and what to do once you’ve chosen your plan.

Before You Go Shopping
   []   Set a budget. Determine your family’s eligibility for financial assistance.
   []   Gather information about people in your household.

Before you enroll, have this information handy

As You Shop
   []   Gather a list of the doctors your family members use and compare them to the potential plan’s network of providers .
   []   Put together a list of all of the prescribed medications your family takes on a consistent basis, then check how they are covered o n the plans you are contemplating.
   []   Decide the start date for your plan. If you enroll by December 15 you will have an effective date of January 1.

After You’ve Purchased
   []   Be sure to pay your first premium; otherwise your plan won’t go into effect until you do. You can pay your premium the way that best works for you.
   []   Learn the ins and outs of your coverage. Once your plan begins, log into Blue Access for Members to review your benefits, find a doctor or hospital in your plan’s network, print a temporary ID card, and more.

While you’re adjusting to the weather and changing out your wardrobe for the colder months, don’t forget about safeguarding your health by enrolling in health insurance this open enrollment season. The time frame is open from November 1, 2018 – December 15, 2018, so while you’re prepping to combat the flu, get a jump start on getting covered!

Last Updated: 9/25/2018


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