For us, this time of year, means open enrollment. It’s time to pick the insurance options we want for the next year and lock them into place. One of the things that was a must when my husband was looking for a job was great health insurance. With 3 kids it’s definitely not an option. We want to make sure they are covered if injured or if something happens to their health.
Each year we do a lot of research to pick the plan that works for us. We try to avoid high deductibles and stay within a plan that’s affordable. There are so many thing to take into consideration when figuring out which health insurance plan to go with. Do we want no co-pay and high deductible or lower deductible with a co-pay? What type of prescription needs will we have? Dental, vision…it really can be a stressful time. Cigna is hoping to help ease that stress with a few mid-year health tips that I think we could all use.
PLAN. We’re often great at budgeting household expenses like our mortgage, groceries or vacations, but many of us don’t think about budgeting for healthcare expenses. The more you can anticipate upcoming costs, the more you can save while still receiving the high quality care you expect for you and your family.
Spend one night reviewing your health care expenses. Know what you have spent to-date and think about what your future costs may be. For example, will anyone need glasses or braces next year? Knowing what your current spending habits are and what your future costs may be, can help you budget accordingly.
PREPARE. There are a few things that you can do now to ensure you’re prepared to make quick decisions when the time is appropriate
Know where the nearest urgent care facility is. These facilities provide the same quality of care for non-emergent conditions as an ER, but have shorter wait times and are typically less expensive. Check your health plan to see if they offer a 24/7 nurse hot line to provide you with health-related advice around the clock. Keep the phone number handy for your local pharmacy. Prescriptions can be called in quickly, right from the doctor’s office, saving time.
PREVENT. Taking advantage of preventative services offered by your health plan could mean the difference between life and early death.
Visit your doctor each year for a checkup – make the appointment on a memorable day so you remember each year to go! Also, take advantage of the free services offered, such as access to dietitians and nurses, who can answer questions and provide advice.
These are tips my family have and will definitely put into play. Stay on top of your health and do your research so you are getting the best insurance for your family’s needs. Cinga even has videos to give you a few tips on their youtube channel. Check out episode 1 of The Health Plan Conversation…
They have so much more information for you to take in, so take a moment and watch the videos as you get a chance. Health care is something most people will use at least once in their life. Why not be a little more informed about choices and your own personal health? It can only make things easier I’d say. What are some tips you have for staying healthy?
**I participated in a campaign on behalf of Mom Central Consulting on behalf of Cigna. I received a promotional item as a thank-you for participating.