Insurance companies often change what they cover from year to year, so it behooves enrollees to update coverage.
Rising coverage costs, along with near four-decade highs in inflation, means that this is the year you need to pay attention and spend the time to scour your options.According to a recent survey from Voya Financial, 70% of employed individuals plan “to spend more time reviewing their benefit selections during open enrollment to help make the most of their benefit dollars because of inflation.”
For example, are your doctors and prescriptions still covered? If not, move on and start comparing replacement plans. You will need to determine what they cover and how much they cost, including co-pays and deductibles. The various plan types include: — Point of Service Plan, which usually costs less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require a referral from your primary care doctor to see a specialist.
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