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 dental 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, as well as the needs of your dependents.
To prepare, here are 5 questions you need to ask yourself this open enrollment period:
What’s included in my current dental coverage?
Re-visit your current coverage. Does your plan cover the number of times you see a 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?
What kind of dental 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 dental attention? Do you desire coverage for specific services, such as vision?
Will my current dental plan change?
This is a key detail to get from your employer and/or benefit provider. Your current plan may not be offered in the upcoming year. Ensure that there are no coverage surprises come January 1st.
What other options is my employer providing?
Assess additional plan options and determine if and how they’ll better meet your needs.
Will my dentist still be in-network if my plan changes?
If you have a regular 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, determine 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 your question(s) below.
Your health and coverage matter!