Fall:  leaves change, apple picking, football and health insurance.  Something like that.

October 15th began open enrollment for Medicare plan choices for 2017.  If you want to review the coverage you have (Supplemental plans and Part D coverage) we have until December 7th to make changes.

Open enrollment for health insurance plans through the Affordable Care Act (the MA Health Connector for those in Massachusetts) begins on November 1st and runs through January 31st.  In most states you have until mid-December to have selected a plan with a 1/1/2017 effective date.

This is often the time of year that employers offer open enrollment for benefit selection for the following year.  As health insurance plans are evolving, and more choices become available, it is important to review these options as it relates to you and your family.  Are your doctors part of the network? Are you planning a career transition next year?  What is the difference between a Flex Spending Account and a Health Savings Account? Should I select a High Deductible Plan?

There are often many other voluntary benefits available to you through work that you have the ability to sign up for during this open enrollment.  

We have been working through these conversations with many of you over the past few weeks.  If you have open enrollment this fall, or, have the option to change plans through Medicare, and want to discuss the options available to you with us please don’t hesitate to reach out.  The selections you make could mean the difference of thousands of dollars to your bottom line at the end of the year.  It’s worth taking a few minutes to better understand them and make confident choices.