It’s the term buzzing around your HR department this time of year. But what does it mean? And how does it affect you as an employee?
Open enrollment provides employees the opportunity to select different benefits for the upcoming year (or new benefits, if you’re enrolling for the first time).
Now is the time to consider your current coverage, financial situation, personal needs, and the needs of your dependents.
To prepare, here are 5 questions to ask yourself this open enrollment period:
What’s included in my current coverage?
Re-visit your current coverage. Does your plan cover the number of times you see a doctor or dentist? Does the plan offer prescription drug coverage to suit your needs? Does it make sense with your current budget? Have there been changes to employer-sponsored benefits or allocations?
You can review your current Delta Dental plan benefits when you log in to our website.
What kind of coverage will I need for the upcoming year?
A lot can change in a year, and you’ll need to consider what the future may hold. Will your family experience a dynamic change? Do you have a health condition that may require more attention? Do you want coverage for specific services, such as vision or orthodontics?
Will my current plan change?
This is a key detail to get from your employer and/or benefit provider. Your current plan may change or may not be offered in the upcoming year. Ensure there are no coverage surprises come January 1st.
What other options is my employer providing?
Evaluate additional plan options and determine if and how they’ll better meet your needs.
Will my physician and dentist still be in-network if my plan changes?
If you have a regular doctor and/or dentist, check if they’ll still be in-network. Remember — it’s usually more cost effective to see an in-network provider. If they’re not, decide if you’re open to finding a new provider.
Still have questions about open enrollment? Don’t hesitate to speak with your employer or HR department. You can also ask question(s) about your Delta Dental of South Dakota plan below.
Your health and coverage matter!