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HomeBlog BlogAre You Coming Up On Open Enrollment?
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Are You Coming Up On Open Enrollment?

October 1, 2012 by National Debt Relief

If you have a health plan at work, you will be soon coming up on open enrollment. This is where you can could change your health care benefits. Unfortunately, this typically has meant that you had to go through many pages of baffling insurance terms in order to determine what it is you should do.Middle age couple happy about insurance

Better this year

However, it will be better this year as there is a new federal requirement that insurance companies give you an easier to read summary of the coverage of all your potential health plans. If you combine this with wellness plans that would reward you for staying healthy, you should be able to make better decisions about your benefits and save some money, too.

Are you making a costly mistake

More than half of insured workers who were recently surveyed felt they wasted as much as $750 a year because of errors they had made during all open enrollment. So what can you do?

Make sure you’re getting your money’s worth

The problem is that some people just don’t take enough time to review their coverage because it’s complicated and overwhelming. The good news is that many insurance companies are now presenting information about their benefits in a way that’s user-friendlier. For example, UnitedHealth has a website that allows visitors to travel through a virtual town, where they get advice and information about a different health plan from each person they encounter.

Standardized summaries

Thanks to the new federal requirement, it should be easier to navigate your open enrollment options because the insurance companies have to provide standardized 8-page summaries explaining all of the cost details and key terms of their plans. The purpose of this summary is to make it less difficult to compare different policies, benefits and costs.

Save money by staying fit

If you work for a large company, you may have a wellness program to help keep you healthy and, eventually, to reduce the company’s medical expenses. In fact, more than 81% of businesses who have 15 or more employees now offer one or more wellness benefits such as a gym membership, a quit smoking program or stress management classes. Some companies even offer gift certificates or cash to inspire their people to join in these programs. As an example of this, if you are employed in UnitedHealth’s personal rewards program, you can reduce your premiums by up to $1000 per year by meeting some fundamental health baselines for cholesterol, blood pressure and other measures.

Flexible Spending Accounts

If your employer offers flexible spending accounts, this can help you save as much as 40% on medical expenses that are not covered by your insurance. This could be contact lenses, braces or glasses. What you need to do is estimate your out-of-pocket healthcare expenses and then have that amount taken out of your paycheck over the course of the year. The money you contribute to an FSA is not subject to payroll taxes, which would effectively lower your taxable income. However, do keep in mind that you must spend that money before the end of the year or you will lose it.

Use it or lose it

It is estimated that about 75% of all US employees could use a Flexible Savings Account. But only about 20% to 25% participate, mostly because they are concerned about the “use it or lose it” rule. However, if you are eligible to participate in an FSA, it’s a great way to pay for those medical expenses not covered by your insurance and save money on your taxes at the same time.

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National Debt Relief
National Debt Relief

National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

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Easy National Debt Relief Caller: Lauren B Transcribed WE 3/28/2021 Lauren B: The call may be recorded. What concerns led you to seek out National Debt Relief services? AARON: Basically, we were over our heads on the credit card debt. Lauren B: What was it that made you choose National Debt Relief over the other companies? AARON: It's just not a hard sell. They're pretty straightforward and not a lot of hoopla trying to get us to go onboard. Lauren B: How was your interaction with the negotiator you had worked with? AARON: It was fine, more than fine. Lauren B: Were you pretty comfortable with them or was there anything you thought could have been improved? AARON: No. I was very comfortable. Actually, my wife went and did it too. Lauren B: How'd they work with you on the payment plan? AARON: It's basically set in stone. We've been on for over a year, so it's all good. Lauren B: Are you completely done paying or are you still making a payment? AARON: I'm about in the middle of it right now. Lauren B: How has working with National Debt Relief impacted your life in any way? AARON: It makes it a little stressful at times with the payment plans, but at the same time, it's actually made it less stressful because we've learned to work in different ways with cash, stuff like that. It's fine. Lauren B: Overall, what would you rate your experience on a scale of one to five stars, five means you'd recommend to a friend and one means you're very dissatisfied? AARON: I would say 5. Lauren B: Would it be okay to post your comments as a review on our public website for National Debt Relief and to help other consumers make good choices? AARON: Sure. That's fine. Lauren B: I do have your email here as aaronlesser36@gmail.com. Is that right? AARON: Yup.

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Aaron Lesser
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