Here are some steps to follow when considering the coverage of your parents during open enrollment:
1. Remind your parents that open enrollment ends on 7 December 2011 - the earlier than in previous years.
2. To see if there are changes to their current coverage, including the costs and coverage levels. This letter was sent in September, leaving plenty of time for her to get lost. If you are not sure if changes have been made, call the health insurance company and talk to them directly and ask them to send another letter.
3. Determine if the current coverage of your parent is always an excellent option or you need to shop for a new plan. Changes in health and finances are two good reasons to consider a new plan with more coverage, less or more affordable premiums deductible.
4. If you decide to change plans or to compare plans, get an understanding of your parents type of coverage prefer.
5. Talk to an insurance agent. An authorized officer will be able to help you choose a plan based on the needs of your parents.
Here are some questions to consider:
- Is this plan provides coverage for monthly medication that your parents are? If so, what are the levels of co-payments or co-insurance?
- Does the plan cover their preferred doctors and hospitals?
- only covers non-network providers? (If your parents do not travel very often this may not be a significant benefit.)
- Is their pharmacy to be included in the network or the plan does require prescriptions by mail?
- What are the deductible and monthly premiums?
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