December 15th is right around the corner. Time to make your healthcare coverage selection is running out fast. If you haven’t selected your health coverage yet, don’t put it off a moment longer. Review the checklist of items below that I’ve adapted from a list on Forbes.com. I’ve included the most important points for your consideration in order to help break down the process for you and make your decision making process faster and easier. Print it out, take it to the office and go over each point carefully and completely. 1.Evaluate Your Medical Coverage Offerings This is the most important and most complicated decision you have to make. There are many things to take into consideration when choosing a plan. Ask yourself the following questions: How often do you tend to visit the doctor? Do you anticipate a change in your health care needs? Will you soon have more dependents...
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The government deadline for picking health care coverage falls right smack in the middle of the holiday season; December 15th. If your company offers benefits, the election deadline could be even sooner. With the distraction of the holidays it is easy to miss deadlines or miss opportunities by not spending the necessary time to consider the best options. Rushing through the election process could end up costing you more money and could have an impact on your health. The results of a 2014 Aflac study reveal that a whopping 46% of people spend just a half hour or less reviewing their health-plan offerings.  Keep in mind that your health care expenses include more than your monthly premium. You must also consider and factor in your deductible, co-pay, co-insurance, total out-of-pocket limits as well as out-of-network coverage. Set aside a couple of quiet hours and weigh all the factors to discover what...
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