Sunday, November 3, 2013

Aflac Open Enrollment #sponsored #MC #Aflac

I participated in a campaign on behalf of Mom Central Consulting (#MC) for Aflac. I received a promotional item as a thank you for participating.
Aflac Logo

     I work for a fairly large local company.  When I started it was much smaller, but every year it grows and grows.  One thing I really like about my company is the benefits they offer.  We have health insurance, life insurance, 401K, and opportunities to add supplemental insurance like disabilities, accident, dental, and vision.  Every year my company holds a benefits fair during open enrollment time.  We then have the time to talk to the company representatives from our health insurance, accident insurance, disabilities insurance, 401K, and more.  It is great that my company does this because everyone has questions and the insurance coverage often changes every year.  My husbands company is based in another state and he does not have access to attend an open enrollment event.  This has caused him to make the wrong choices in his insurance before.  I really feel like an open enrollment event is important for consumers to understand what their insurance options are and what it covers. 

     Aflac the number 1 provider of supplemental insurance recently conducted an online survey.  In the survey they found that 69 percent of employees had not heard about any changes in their health care benefits from their employer, even with there being a deadline of October 1 to notify employees of  their coverage options.  Only 9 percent of employers have indicated they are prepared to implement required changes based on the health care reform law.  Employers can take a more proactive role and help their employees to understand their benefits.  There are also some things employees can do to become more informed. 

Tips for Employees:

>  Be prepared!  Do your homework and compare annual insurance policy changes and compare the benefits packages from the previous year to the current year.  This can help you choose the right policy for  you that fits your needs and budget. 

>  Don't assume!  Know that if you company has not made any changes to its health insurance plan since the health care reform legislation was passed in 2010, then it may be exempt from offering widely discussed essential health benefits.  Talk to your HR department if your policy options have changed.

>  Check your spouse's benefits package!  Employers do not have to offer your spouse insurance and as costs go up more companies are cutting this option.  If your spouse has access to employer-sponsored health insurance through his or her job it may make more sense financially. 

>  Do Not double up!  Health care reform legislation requires plans in individual and small groups to offer essential health benefits like pediatric vision and dental, and chronic disease management services.  Be sure to check all the aspects of your major medical plan so you know what is covered and what is not. 

>  Be sure to check out the premium costs carefully.  Know that cheaper is not always the best option.  Often the plans with the lowest monthly premiums likely means you will pay more in co-insurance and receive less coverage. 

>  Consider getting supplemental insurance such as accident, hospital, or critical illness plans to help reduce rising health care expenses. 

     My company gives us access to supplemental insurance for accident, disability, cancer, and life.  During both of my pregnancies I was able to use my disability insurance and receive a check for short term disability.  It was very helpful for paying the hospital bills and other household bills while I was off of work.  To learn more about Aflac's Open Enrollment you can read their resource page. 

I participated in a campaign on behalf of Mom Central Consulting (#MC) for Aflac. I received a promotional item as a thank you for participating.


  1. I'm currently learning more about Aflac's Open Enrollment, too! Lots of good information that many don't know about!

  2. I keep meaning to look into this. Gary has short term disability through work, but I know Aflac will cover help if I get injured and am unable to do my "job". That would be a must!