During open enrollment, you can make several changes to your benefits package. This includes switching health plans, adding or removing dependents, updating your coverage amounts for life or disability insurance, or enrolling in new benefit programs like dental or vision coverage. Open enrollment is the only time you can make these changes unless you experience a qualifying life event, such as marriage, the birth of a child, or a change in employment status.

The deadline for submitting your benefit selections is [insert specific date]. It’s important to make all your changes by this date to ensure your benefits are active for the upcoming plan year. Missing the deadline means you may be automatically re-enrolled in your current plan or enrolled in default coverage. We recommend reviewing your options and making selections early to avoid any last-minute issues.

Choosing the best health plan depends on your individual needs and budget. Consider factors such as how often you visit the doctor, whether you have any ongoing medical conditions, and your preferred healthcare providers. If you expect frequent doctor visits or prescriptions, a plan with higher premiums but lower out-of-pocket costs might be best. On the other hand, if you're generally healthy, a plan with lower premiums and higher deductibles might save you money. We recommend using the provided comparison tools and speaking with a benefits advisor if you need help evaluating your options.

If you don’t make any changes, you will typically be re-enrolled in your current benefits plan for the next year. However, this depends on your employer’s specific policy, so it’s important to confirm if automatic re-enrollment applies. Some benefits, like flexible spending accounts (FSAs), require re-enrollment each year. If you don’t actively choose your benefits, you might miss out on important coverage options or tax-saving opportunities.

The costs for each plan will vary depending on the type of coverage you choose. You’ll want to review the premium, which is the amount you pay out of your paycheck, as well as any deductibles, copays, and out-of-pocket maximums. This information is outlined in the benefits guide provided by your employer. It’s important to consider both the monthly premium and potential out-of-pocket expenses when choosing a plan. Our team is here to help you understand the costs and make an informed decision.

Yes, this year we’re excited to offer [insert new benefits, if applicable]. Additionally, there are some changes to existing benefits, including [list any significant updates, such as new health plan options, enhancements to wellness programs, or increased employer contributions]. We encourage you to review the open enrollment materials carefully to understand these changes and how they may impact your selections for the upcoming year.