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As millions of Americans evaluate their health plan options during open enrollment season, a recent survey found that 43% of people regret a health decision they’ve made because of misleading information — and 1 in 5 admit that content creators without medical credentials have influenced their health choices.
For people with coverage from their employer, open enrollment typically happens during a two- or three-week period between September and December. For those eligible for Medicare, the Medicare Annual Enrollment Period runs from Oct. 15-Dec. 7 each year. For people shopping for individual plans on the Health Insurance Marketplace, open enrollment starts Nov. 1 and ends on Jan. 15 in most states.
Here are a few tips to consider when choosing a plan:
Start early. Compare plan benefits, services and costs — including updates to your current coverage. Look beyond premiums to understand out-of-pocket costs like deductibles, copays and coinsurance. Make sure you understand the difference between Original Medicare and Medicare Advantage. Visit MedicareEducation.com for answers on eligibility, plan choices, costs and prescription coverage.
Demystify the Language. Health care terms can be confusing. Resources like the JustPlainClear.com glossary can help you make informed decisions. Medicare Made Clear breaks down the basics and complexities of Medicare in a way that’s easy to understand.
Avoid surprise expenses. Confirm your doctor is in-network and make sure your medications are covered — even if you’re not switching plans. Consider network pharmacies or home delivery for savings. Original Medicare typically doesn’t cover prescriptions. A Medicare Advantage plan with drug coverage can help manage medication expenses.
Prioritize mental health. Review what each plan offers, such as in-person and virtual visits, 24/7 support lines and digital selfcare tools. Look for Medicare plans that include virtual mental health care with a $0 copay.
Go digital for convenience. If you prefer care from home, choose a plan with 24/7 virtual visits. Digital tools can help simplify provider searches and cost comparisons, with many apps bringing wellness visits and maternal care into one place. Older adults are embracing digital tools. Health plan apps can help with claims, rewards, and prescription refills.
There’s a lot of health information online, but not all of it is accurate. There are three key ways to help protect yourself from misleading claims. First, you should check the source — is the advice from a doctor or a trusted health group? Does it cite research? Second, watch for red flags. Be cautious of posts that promise quick fixes, use fear tactics, or push products without explaining risks. Third, double-check before you act — if something sounds extreme or too good to be true, ask your doctor or look it up on a reputable health site.
Check out Get the Facts to help clear up the confusion and to see the facts about how the health care system works. Visit UHCOpenEnrollment.com to learn more about Open Enrollment.
Heather Kane is the CEO, UnitedHealthcare of Arizona and New Mexico.
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