Life is hectic. And crazy. Sometimes even crazy hectic. You never know what the next day will bring. Today everything is going along as planned, but who knows about tomorrow. You may be headed for an accident, or you may win the lottery. No one knows. That’s the beauty and surprise of this crazy hectic life.
â€œLife moves pretty fast. If you don’t stop and look around for a while, you could miss it.â€ That Ferris Bueller, he speaks my language.
Throw a family into the mix, however, with 3 crazy hectic kids, per say, and you start worrying more about those unsure moments in life.
You want to be prepared. You want to know that if, by chance, an accident should happen, then everything would be taken care of. No surprises there. Taking the time to research the right insurance plan is definitely time well spent.
Aflac wants to make sure you know your options. In fact, selecting the right health insurance plan may be one of the most important decisions Americans will make this open enrollment period, yet many workers do very little research on their health plans. The 2014 Aflac Open Enrollment Survey found that 41 percent of employees spent 15 minutes or less researching their benefit options during the 2013 open enrollment season; and nearly a quarter (24 percent) spent five minutes or less.
There are a few steps you can take to fully understand your options, however:
- Carefully review and compare all available benefits information. Take time to look up terms you don’t understand such as voluntary insurance, deductibles, out-of-pocket expenses and others.
- Understand the financial implications your choices have on your budget. In addition to monthly premiums, make sure you can afford the yearly deductible costs. If a high deductible looks like it may be a burden, choose a plan with a slightly higher monthly premium and a lower deductible that may be easier to manage.
- Ask your employer to arrange meetings with health care insurance agents or brokers to answer questions.
- Attend on-site seminars, participate in webinars and read the relevant education materials.
Find more information on open enrollment on the Aflac WorkForces Report website.
Life is crazy and hectic and full of beauty and surprises. For me, as a mother with a family, I know I want to be prepared. For them. For those 3 crazy hectic little loves of mine, who have the most beautiful faces I’ve ever seen. That is what life is for. A little time well spent so you have the chance to look around for a while.
For nearly six decades, Aflac insurance policies have given policyholders the opportunity to focus on recovery, not financial stress. The company’s voluntary insurance policies, which are designed to supplement major medical plans, pay policyholders directly for unexpected costs associated with a covered serious illness, injury or loss. In addition, the cash benefits can be used to help pay rent, gas, groceries, child care or any other out-of-pocket expenses a worker may have. Aflac offers accident, dental, life, vision, cancer, hospital intensive care and more voluntary insurance policies.
I was selected for this opportunity as a member of Clever Girls Collective and the content and opinions expressed here are all my own.