{"id":11843,"date":"2023-10-17T13:09:55","date_gmt":"2023-10-17T17:09:55","guid":{"rendered":"https:\/\/www.healthadvocate.com\/site\/?p=11843"},"modified":"2023-10-17T13:09:59","modified_gmt":"2023-10-17T17:09:59","slug":"millennial-money-the-questions-you-arent-asking-but-should-during-open-enrollment","status":"publish","type":"post","link":"https:\/\/www.healthadvocate.com\/site\/article\/millennial-money-the-questions-you-arent-asking-but-should-during-open-enrollment","title":{"rendered":"Millennial Money: The questions you aren\u2019t asking (but should) during open enrollment"},"content":{"rendered":"\n

By\u00a0Kate Ashford of Nerdwallet\u2009|\u2009AP<\/p>\n\n\n\n

Open enrollment is no one\u2019s idea of a good time, but health coverage is a crucial part of your financial health. Whether you\u2019re getting insurance through an employer or the Affordable Care Act marketplace, it\u2019s important to ask the right questions before you choose a health plan for 2024.<\/p>\n\n\n\n

\u201cOpen enrollment is a great time to do a personal health audit,\u201d says certified public accountant Charlene Rhinehart, a personal finance editor at drug savings site GoodRx. \u201cUnderstanding your current and anticipated health care needs will help you decide which plan is the best fit.\u201d<\/p>\n\n\n\n

Here\u2019s how to weigh your options.<\/p>\n\n\n\n

ARE YOUR DOCTORS IN NETWORK?<\/p>\n\n\n\n

Plan networks change from year to year. If you love your doctor or specialist, make sure they\u2019re still in the network of the plan you\u2019re considering for 2024.<\/p>\n\n\n\n

You should also consider whether you want the option to go out of the network \u2014 which you can usually do in a preferred provider organization, or PPO, plan, although it will cost more. Health maintenance organizations, or HMOs, tend to be cheaper but lack the out-of-network flexibility.<\/p>\n\n\n\n

ARE YOUR MEDICATIONS COVERED?<\/p>\n\n\n\n

If you\u2019re on prescription medications, check plan formularies to make sure you understand how your drugs will be covered in 2024. Drug coverage can change from year to year, even if you stick with the same plan.<\/p>\n\n\n\n

\u201cEven if you were in an Aetna plan before, and you say, \u2018Well, I\u2019ll stay with Aetna again,\u2019 you still want to look and make sure the medication you\u2019re taking is still on the formulary,\u201d says Abbie Leibowitz, chief medical officer and co-founder of Health Advocate, which provides integrated health advocacy and health benefits programs.<\/p>\n\n\n\n

WHAT ARE THE OUT-OF-POCKET COSTS?<\/p>\n\n\n\n

Every plan has set costs, like the monthly premiums, plus the costs of care, which include the deductible and any copays and coinsurance. Comparing plans means estimating how much health care you\u2019ll use next year.<\/p>\n\n\n\n

On the one hand, you have the costs you\u2019d pay if you don\u2019t use the plan much beyond preventive care. On the other hand, you have the maximum amount you could pay in each plan if you\u2019re a heavy health care user. You can easily compare these situations.<\/p>\n\n\n\n

There\u2019s a squishy middle ground, however, where the best plan for you depends on the amount and type of care you\u2019ll need next year.<\/p>\n\n\n\n

\u201cThe tricky part is we never really know how much we\u2019re going to spend in a given year if we\u2019re in the middle,\u201d says Adam Rosenfeld, a health care benefits expert and president of employee benefits company Rubicon Benefits. The best thing, he says, is to look at your current claims information and imagine that the next year will be identical. On which plan would you be better off?<\/p>\n\n\n\n

\u201cIt\u2019s the best predictive modeling you can do at this point,\u201d Rosenfeld says.<\/p>\n\n\n\n

IS A HIGH-DEDUCTIBLE PLAN RIGHT FOR YOU?<\/p>\n\n\n\n

A high-deductible health plan<\/a>, or HDHP, in 2024 is defined as a plan with a deductible of at least $1,600 for individual coverage or $3,200 for family coverage, with out-of-pocket maximums of no more than $8,050 or $16,100, respectively. HDHPs usually have lower premiums, and sometimes companies kick in a contribution to a health savings account, or HSA, to help cover the deductible.<\/p>\n\n\n\n

An HDHP can be an appropriate plan for people in a variety of health situations, as long as they\u2019re prepared to pay the deductible if they need health care.<\/p>\n\n\n\n

\u201cThe question is, \u2018Can you afford it?\u2019\u201d says Adria Gross, an insurance broker, consultant and founder of MedWise Insurance Advocacy, which helps clients and attorneys with medical claims issues. If you\u2019re healthy, Gross says, go for the HDHP. But in the case of a bad accident, you\u2019ll want to make sure you have the means to pay the full deductible.<\/p>\n\n\n\n

CAN YOU STACK BENEFITS?<\/p>\n\n\n\n

You might have access to voluntary benefits through your employer that can help cover costs that your insurance doesn\u2019t cover. For example, Aflac policies can help pay expenses if you have an accident or get cancer.<\/p>\n\n\n\n

You may find that you can get a high-deductible health plan plus a supplemental plan that would help you cover your deductible for less than the cost of a traditional health plan. \u201cIt can be a lot less than moving to the next tier where the deductible is lower,\u201d Leibowitz says.<\/p>\n\n\n\n

DO YOU HAVE SPECIAL CARE NEEDS?<\/p>\n\n\n\n

Some insurance plans cover things like weight loss surgery or infertility treatments \u2014 but some don\u2019t, and the exclusion can make a huge difference if it\u2019s a procedure you\u2019re considering. You might find that one insurance company covers a certain surgery or test while another views it as investigational and not medically necessary.<\/p>\n\n\n\n

\u201cI call them the fringes,\u201d Leibowitz says. \u201cThey\u2019re beyond the typical medical and surgery coverage.\u201d The focus is narrow, he says, but the coverage can be important.<\/p>\n\n\n\n

The underlying message, he says, is that just because it looks like the same plan from the same company you were with this year, don\u2019t assume that it hasn\u2019t changed in ways that are important to you. \u201cNetwork, formulary, benefits,\u201d Leibowitz says, \u201cyou have to do your homework.\u201d<\/p>\n\n\n\n

__________________________<\/p>\n\n\n\n

This column was provided to The Associated Press by the personal finance website NerdWallet. Kate Ashford is a writer at NerdWallet. Email: kashford@nerdwallet.com. Twitter: @kateashford.<\/p>\n","protected":false},"excerpt":{"rendered":"

Open enrollment is no one\u2019s idea of a good time, but health coverage is a crucial part of your financial health…it\u2019s important to ask the right questions before you choose a health plan for 2024.<\/p>\n","protected":false},"author":11,"featured_media":622,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[5],"tags":[83,67,56,46,82],"class_list":["post-11843","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-abbie-leibowitz","tag-employee-benefits","tag-health-advocacy","tag-health-advocate","tag-open-enrollment"],"acf":[],"yoast_head":"\r\nMillennial Money: The questions you aren\u2019t asking (but should) during open enrollment | Health 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