Open Enrollment Checklist

The right health insurance is crucial for maintaining or regaining your health and wellness. As open enrollment approaches, it’s vital to be prepared to make informed decisions about your health insurance coverage. At Hunkins & Eaton Insurance Agency, we’re proud to help you and your family retain the right plan.

How to Approach Open Enrollment

Open enrollment typically requires you to make important decisions about your coverage that may not be adjustable until next year. Taking a comprehensive and knowledgeable approach to this process is necessary. Consider the following checklist to help you navigate this period effectively:

1.Review current coverage

• Assessing satisfaction—Reflect on your current plan. Are you satisfied with the coverage and services provided?

• Identifying gaps and unnecessary features—Note any gaps in coverage or services you needed but weren’t covered, as well as any options you may have paid for without putting them to use.

2.Understand changes

• Planning updates—Check for any changes in your current plan for the upcoming year. This may include adjustments in premiums, deductibles and copays.

• Provider networks—Ensure your preferred doctors and hospitals are still in-network.

3.Evaluate health needs

• Medical history—Consider any changes in your health over the past year. Have you developed any new conditions or require new medications?

• Future needs—Anticipate any upcoming medical needs, such as procedures you may require or family planning.

4.Compare plans

• Coverage options—Compare different plans available to you. Look at the benefits, coverage limits and exclusions.

• Cost analysis—Evaluate the total cost of each plan, including premiums, out-of-pocket costs and other expenses.

5.Seek assistance

• HR department—If you get your coverage through work, consult with your colleagues in HR for any clarifications or guidance.

• Insurance advisors—Consider speaking with qualified professionals, such as those at Hunkins & Eaton Insurance Agency, for personalized advice.

Get the Right Coverage

Contact Hunkins & Eaton Insurance Agency today to learn about open enrollment or health coverage options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.