2016 OPEN ENROLLMENT | Nov. 6-20, 2015
The deadline to enroll is [X] days away. Enroll on [URL] or call 800-123-4567.
Take these steps!
Q: Am I paying for too much coverage?
A: Possibly. Many employees who enrolled in the PPO or EPO could have saved money by enrolling in the CDHP (such as the 25% of participants who had less than $500 in claims last year). Find out how you can avoid paying for too much medical coverage.
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Q: Do I need to enroll? What happens if I don’t?
A: You need to take action this Open Enrollment (Date through Date) if: [insert client-specific details]. If you do not enroll, you will receive default coverage for 2016.
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Q: How can I save money on my health coverage?
A: Here are seven tips to help you and your family be healthy and save money at the same time.
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Q: What’s the difference between the Health Care Flexible Spending Account (FSA) and the Health Savings Account (HSA)?
A: The way the Health Care FSA and the HSA work is largely the same — you contribute money to your account through automatic, before-tax payroll deductions, then use these tax-free dollars to pay for eligible health care expenses. However, there are some important differences.
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Q: What should I consider before choosing coverage?
A: Give some thought to these questions before you enroll: How much health care — and what type of care — did you and your dependents need in 2015? Will your needs be similar in 2016? Do you foresee changes?
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Remember, you pay for health care in TWO ways...
First, through a fixed amount that you contribute from each paycheck. These are called premiums.
Then through the costs you pay as you receive care throughout the year. These might include copays, deductibles, and coinsurance, depending on the medical plan you choose.
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