Avoid These 3 Common Mistakes When Selecting a Health Plan

Open enrollment season is here so you may be getting ready to select or change your health benefits for 2020. The process can feel overwhelming, but it doesn’t have to be. This important decision can be made easier by understanding what not to do before the deadline. 

Try to avoid these three common mistakes during open enrollment: 

  1. Lack of research
    A recent UnitedHealthcare survey found 36 percent of respondents said they devote less than one hour of time researching health benefits during open enrollment. By not taking the necessary time, you run the risk that your selection may not meet your unique health and budget needs. Has last year’s plan or your health situation changed? Consider investing the time to review and understand your options, so you can choose the appropriate coverage for you and your family.
  2. Misunderstanding costs
    During open enrollment, some people only look at the cost of premiums and don’t take into consideration the deductibles, copays, coinsurance and out-of-pocket maximums. These are all important factors that will determine your overall health care costs in 2020. Learn more hereOpens a new window.
  3. Forgetting to confirm your coverage
    Don’t assume your doctor and/or prescription medications are covered in your new plan. Only 54 percent of respondents said they check if their doctors are in-network for the health plan they intend to select, and nearly two-thirds (64 percent) said they “never” know the cost of the medications before leaving the doctor’s office. This mistake may be costly. People may save on their health care costs by selecting in-network care providers and facilities, so consumers should keep this in mind when selecting – and using – health care benefits.

For more helpful articles and videos about open enrollment, visit UHCOpenEnrollment.com