Open enrollment is a critical period for making decisions about your health insurance coverage. It's the time when you can review your current plan, compare it with other available options and make changes to ensure you maximize your benefits for the upcoming year.
Review Your Health Care Options 
First, take the time to thoroughly review your current health insurance plan. Assess how well it has met your needs over the past year. Consider factors such as the coverage of your regular medical expenses, any unexpected healthcare costs and the overall satisfaction with your plan's network of providers. This reflection will give you a clear picture of what aspects of your coverage are working well and what might need improvement.
Next, gather information about the different plans available to you during open enrollment. This may include plans offered by your employer, marketplace options or other private insurance plans. Pay close attention to the details of each plan, including premiums, deductibles, copayments and out-of-pocket maximums. Understanding these elements will help you compare the true cost of each plan and how it fits into your budget.
Consider Your Health Care Needs
If you have ongoing medical conditions, require regular medications or anticipate needing certain medical services, ensure that the plans you are considering provide adequate coverage for these needs. Check the list of covered medications and services and verify that your preferred healthcare providers are in-network to avoid higher out-of-pocket costs.
Contact Us
If you find the process overwhelming or have specific questions about your options, consulting with your insurance agent can be incredibly beneficial. Our team can provide personalized advice based on your unique situation and help you navigate the complexities of different plans.
Contact Wimmer Insurance for guidance as you choose your benefits for 2025.
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.