Open enrollment is underway, and many people are tempted to simply hit “renew” and be done with it. That shortcut, however, could end up costing you.
This is the period when you select your workplace benefits for the coming year. After it ends, changes are usually limited unless you experience a major life event.
With health care costs continuing to climb, it is more important than ever to review your coverage and know exactly what your plan includes.
Begin by comparing your health plan choices. Check whether your doctors are in network and whether each option covers your prescriptions.
Next, review life insurance and disability coverage, particularly if your family situation has changed.
It is also worth looking at flexible spending accounts and health savings accounts, along with your retirement contributions. At the very least, make sure you are contributing enough to receive your employer match.
Taking a little time now can help you feel more secure throughout the year and support the people who depend on you.
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