3 reasons to consider a group legal plan

Being a parent is a balancing act. You are constantly being pulled in different directions and it can be challenging to manage all the things you need to get done. Your company’s open enrollment period is a chance to take stock of benefits that can help you manage some of the issues you face.
One often overlooked benefit is a group legal plan, which provides access to a nationwide network of attorneys for help with personal legal issues for around $20 a month. Here are just a few reasons why a legal plan can be a valuable benefit for a parent:
It helps with the things keeping you up at night. Have you considered who would take care of your children if something happened to you or your spouse? Or what if someone in the family became disabled? Do you have financial and health care directives in place to protect your family? If you have kids, you need to have estate planning documents. A group legal plan covers the cost of drafting documents like wills and powers of attorney for you, your spouse and dependents.
It can help protect or restore your identity. Identity theft is on the rise, with child identity theft quickly becoming one of the fastest-growing identity theft crimes. Contacting creditors and other agencies to resolve an identity theft issue can be very time-consuming and costly. In fact, the average cost to resolve an identity-theft issue, including legal fees, is around $1,300, according to a U.S. Department of Justice study cited by CSID. Access to identity theft assistance through a group legal plan connects you to experts who can do the work for you, saving you time and money.
It helps with buying or selling a home. Having children can mean having to move to a bigger house. There are numerous legal issues involved in buying or selling a home. Attorneys can review contracts, draft documents related to the purchase or sale, as well as attend the closing for you. A legal plan provides you with access to an attorney to guide you through the homebuying or selling process, taking away the stress of dealing with complicated paperwork and legal issues.
It can help with school-related issues. As your child enters school, there are many complicated issues he or she may face. Dealing with special needs requests, administrative hearings at school or even juvenile court for traffic infractions are all legal issues that can be difficult for most parents to maneuver without legal help. When you are enrolled in a legal plan, it’s like having an attorney on retainer. You can contact an attorney for any questions you have related to issues your children face throughout their school years.
Having access to affordable legal help through a group legal plan can help you navigate many of the issues you face as a parent. If your company offers this benefit, it’s one to consider this open enrollment season.

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5 steps to prepare for open enrollment

(BPT) – Millions of Americans will select or switch their health benefits plan during open enrollment, so now is the time to prepare for that decision that usually happens once a year.

More than 70 percent of Americans say they are prepared for open enrollment, yet most people struggle to understand basic health insurance terms, according to a recent UnitedHealthcare survey. Only 9 percent of survey respondents could successfully define all four basic health insurance concepts: plan premium, deductible, co-insurance and out-of-pocket maximum.

To help people make the most out of their health benefits, Rebecca Madsen, chief consumer officer of UnitedHealthcare, offers the following five tips.

1. Know your open enrollment dates

Open enrollment isn’t the same for everyone, so there are key dates to keep in mind depending on your situation:

* For the more than 177 million Americans with employer-provided coverage, many companies set aside a two-week period between September and December when employees can select health benefits for the following year.

* For the more than 59 million seniors and other people enrolled in Medicare, their open enrollment runs from Oct. 15 to Dec. 7 each year.

* Health insurance marketplace or individual state exchange open enrollment runs from Nov. 1 to Dec. 15.

For most people, changes made to coverage during open enrollment take effect Jan. 1, 2018.

2. Take time to review your options

Every person or family has unique health and budget needs. Take the time to explore your options, and understand the benefits and costs of each health plan so you can find the coverage that works best for you and your family members.

* Check if your current coverage still meets your needs and if your benefits will change next year.

* Determine if the plan is a good fit for your budget, and pay attention to more than just the monthly premium. You should also understand the other out-of-pocket costs, including deductibles, copays and coinsurance.

* Make sure your medications are covered. Even if you don’t expect to change plans, it’s important to ensure your drugs will still be covered next year.

3. Make sure your doctor is in your plan’s care provider network

Even if you don’t make any changes, it’s a good idea to ensure that any doctor you see regularly — or plan to visit in the coming year — is in your benefit plan’s care provider network. If you plan to visit a doctor or hospital outside of the network, be sure to understand how your costs will differ from a network care provider because those costs will most likely be higher.

Also, check if your plan includes 24/7 telehealth services for consultations on minor health issues. Often, telehealth — online, or virtual, visits with a doctor over a computer, tablet or mobile phone — is available to people enrolled in employer-sponsored health plans and group Medicare Advantage plans, as well as select individual Medicare Advantage plans. Virtual visits may provide convenient and affordable access to care for minor medical issues, including allergies, bronchitis and seasonal flu.

4. Don’t forget about additional benefits

Additional benefits such as dental, vision, accident or critical-illness insurance are often affordable options that can protect you and your family. For people enrolled in Medicare, many are surprised to find that Original Medicare doesn’t cover prescription drugs and most dental, vision and hearing services. But many Medicare Advantage plans do, often at a $0 monthly premium beyond the premium for Original Medicare.

5. Take advantage of wellness programs.

Some health plans offer discounts on gym memberships and provide financial incentives for completing health assessments, signing up for health coaching programs, lowering your cholesterol, losing weight, meeting walking goals or stopping smoking. Programs are designed to reward people for making healthy choices and being more engaged in improving their health.

Visit UHCOpenEnrollment.com for articles and videos with information about health benefits and health insurance terms.

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5 steps to making annual enrollment the most wonderful time of the year

(BPT) – It’s that time of year again. But before you plan your Thanksgiving menu or check off your gift list, it’s time to think about employee benefits.

VSP Vision Care surveyed employees about their attitudes around that special time of year when they must choose a benefits package and found that annual open enrollment is less popular than even tax season. While selecting your benefits may not exactly be a party, there’s no need for dread. They’re called benefits for a reason.

In spite of how important employer-sponsored benefits are, The 2015 Ninth Study of Employee Benefits: Today and Beyond from Prudential shows that people spend very little time considering their benefits. In fact, 32 percent spent just one to two hours on this important topic and 23 percent spent less than 30 minutes.

“The decisions we make during open enrollment can have an impact throughout the next year,” said James Gemus, senior vice president, head of product and business segments, group insurance for Prudential Financial. “These decisions deserve careful consideration and people owe it to themselves to consider every possible option. The research shows us that 55 percent of the time spent on benefit decisions was devoted to medical coverage. That’s certainly understandable, but they should be careful not to overlook other key benefits offered through their employer, like disability or life insurance.”

Make the most of this season’s open enrollment with these tips from Prudential:

1. Review all of your options. Employers and employees often look at medical, dental and vision as taking priority, and with good reason. However, don’t overlook other benefits, such as life and disability insurance, critical illness and accident insurance, which can complement these core offerings and are key to overall financial wellness. Seventy-one percent of Americans live paycheck to paycheck, according to the study Getting Paid in America. Disability insurance can help protect a portion of your income if you become too sick or injured to work and earn a paycheck. That’s important because 62 percent of bankruptcies are based on a medical event and 78 percent of those who experience medical bankruptcies had health insurance. Critical illness insurance can help reduce the amount of out-of-pocket costs associated with certain serious medical issues. Insurance is a great way to help protect yourself financially from unexpected risks, so explore all of your options.

2. Take advantage of cost and convenience. Purchasing benefits like life or disability insurance through your employer can simplify things for you in two ways: First, you often pay less for them than had you purchased them on your own because you’re taking advantage of group rates; and second, you pay for these benefits through payroll deduction, which is not only simple, but also reduces your gross income, which may help lower your taxes.

3. Make the most of financial wellness programs: In a recent Prudential survey only 22 percent of individuals described themselves as feeling financially secure. Sixty-three percent said that employee satisfaction with benefits is important for their company’s success and employees are increasingly looking to those benefit offerings as a basis for financial security. So as more workers rely on their workplace as a primary source of insurance and savings — 35 percent of workers as of 2015 up from 30 percent in 2013 — employers are trying to ensure that every employee gets the most from the benefits they have. As an employee, don’t forgo this opportunity, ask questions both of your company and your coworkers to learn more about all of your options. It’s your benefits package but it only benefits you if you use it.

4. Look for tools to help make decisions. Often, employers will provide websites where you can not only enroll, but also offer tools like calculators and videos that can help you make sense of your benefits. This means getting the help you need in understanding your financial protection needs and selecting the best options to meet them. So take the time to explore them. It’s time well spent.

5. Ask for help. With all the options out there, it’s easy to feel confused. Speak with your employer’s benefits experts or HR resources. You can also speak to a financial professional and learn more about how to select the coverage that will fit your needs. You may be amazed at the good information that’s available.

The Prudential Insurance Company of America Newark, NJ

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A New Kind of Life Insurance for Those Living with Diabetes

(BPT) – For people living with diabetes, the condition is a part of their everyday life and one that impacts many of their decisions, from balancing what they eat to taking care of their health. One area that might not be top of mind for people living with diabetes is life insurance. That’s because many people with diabetes believe they won’t be able to get life insurance if they have the condition.

Research shows that nearly 50 percent of people with diabetes are worried they will not qualify for a life insurance policy and another 45 percent assume it’s too expensive, according to a recent survey commissioned by John Hancock.1 And it’s even higher among younger people, with 68 percent of people ages 25-34 worried they won’t qualify.

Dispelling the common myth

According to the Centers for Disease Control and Prevention (CDC), 9.4 percent of the U.S. population has diabetes.2 This equates to roughly 30 million people. In addition, another 33.9 percent (84 million) has pre-diabetes. While people with diabetes recognize the many benefits life insurance can offer — like providing for your family, covering final expenses, and offering peace of mind — there’s a lot of confusion about the topic and a concern that having diabetes will bar them from getting life insurance.

In reality, more than 90 percent of all the people with diabetes who sought life insurance in the past 18 months qualified with John Hancock. In addition, 88 percent of those applicants received a standard or better premium quote.

A new kind of life insurance

If you are living with diabetes and you haven’t thought about life insurance recently, it’s worth taking a look. John Hancock life insurance with Vitality rewards customers for the smarter choices they make every day to improve their health — exercising regularly, eating well and visiting the doctor — things many people, including those with diabetes, are already encouraged to do. Policyholders can earn valuable rewards, including an Apple Watch® Series 3 for $25, plus tax, by exercising regularly,3 $600 in annual savings on healthy food purchases,4 and savings of up to 15 percent on their annual life insurance premiums. It doesn’t require completely changing your habits overnight — small, healthy choices can make a big difference over time.

Getting your questions answered

If you have diabetes and you are without a life insurance policy, you probably have questions. The good news is you’re not alone. Only one third of those with diabetes report they consider themselves knowledgeable about life insurance. The most common questions among those who don’t include:

* How much life insurance will I need?

* Will I need a medical exam to get life insurance?

* Can I afford a life insurance policy?

To help you find the answers to these questions, you can speak with one of John Hancock’s Coverage Coaches at 844-235-3002, or visit www.JohnHancockInsurance.com/ADA. Life insurance is an important way to help protect your loved ones, and now your policy can do more by rewarding you for healthy living.

1. This nationwide survey was conducted online by Qualtrics on behalf of John Hancock.

2. CDC. National Diabetes Statistical Report, 2107. CDC. National Diabetes Statistical Report, 2107.https://www.cdc.gov/diabetes/pdfs/data/statistics/national-diabetes-statistics-report.pdf

3. You can order Apple Watch Series 3 (GPS) for an initial payment of $25 plus tax and over the next two years, monthly payments are based on the number of workouts completed. Upgrade fees apply if you choose Apple Watch Series 3 (GPS + Cellular), certain bands and case materials. A Retail Installment Agreement with the Vitality Group will need to be signed electronically at checkout. Apple Watch Series 3 (GPS) requires an iPhone 5s or later with iOS 11 or later. Apple Watch Series 3 (GPS + Cellular) requires an iPhone 6 or later with iOS 11 or later.

Apple Watch Series 3 (GPS + Cellular) and iPhone service provider must be the same. Cellular is not available with all service providers. Roaming is not available outside your carrier network coverage area. Wireless service plan required for cellular service. Contact your service provider for more details. Check www.apple.com/watch/cellular for participating wireless carriers and eligibility.

Apple is not a participant in or sponsor of this promotion. Apple Watch program is not available in New York.

4. HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality program.

Insurance policies and/or associated riders and features may not be available in all states.

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy.

Premium savings are in comparison to the same John Hancock policy without the Vitality program. Annual premium savings will vary based upon policy type, the terms of the policy, and the level of the insured’s participation in the John Hancock Vitality Program.

Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY MLINY101717101

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Looking for a Medicare Part D plan? Consider these 3 things

(BPT) – Many people are surprised to find out that Original Medicare doesn’t cover prescription drugs. For help with the cost of your medications, you can choose a standalone Part D plan or a Medicare Advantage plan with prescription coverage, but navigating your options can be complicated.

With Medicare Open Enrollment running from Oct. 15 to Dec. 7 — the annual window when you can make changes to your Medicare coverage — now is a good time to learn about how to pick a plan that can best suit your needs.

Kent Monical, senior vice president for Part D at UnitedHealthcare Medicare & Retirement, recommends you consider these three things when choosing a plan.

1. Your drugs

Prescription drug plans can vary significantly. Each Part D plan has a list of drugs, called a formulary, which shows the drugs it covers.

“When considering a Part D plan, be sure your medications are covered,” Monical said. “Even if you don’t expect to change plans, it’s important to make sure your drugs will still be covered next year, as plans can change from year to year.”

2. Your pharmacy

Most Part D plans have preferred pharmacy networks. People can typically get their drugs for a lower copay when they visit preferred pharmacies.

“Make sure the plan offers access to pharmacies that are convenient for you,” Monical said. “Some plans also have mail-order pharmacy benefits, and you can get prescriptions delivered to your home for a lower cost than purchasing from a retail location.”

3. Your total costs

“A low monthly premium plan doesn’t necessarily mean it will be the lowest-cost plan,” said Monical. “You should also understand the other out-of-pocket costs, including the annual deductible and drug copays.”

Plans sort drugs into several tiers, with generic or lower-tier drugs generally costing less than drugs on higher tiers. Talk to your doctor about whether a lower-tier drug might be suitable for you, which could help you save money.

The bottom line

Medicare Open Enrollment is a great time to make sure you have the right prescription drug coverage for your health and budget needs. Monical concludes, “Exploring your Part D options now could help you save money in 2018.”

For more helpful open enrollment information, visit UHCOpenEnrollment.com.

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Picking a health insurance plan? Prepare for the unexpected

(BPT) – As many Americans know, fall is the season when we must select our health benefits for the upcoming year. Choosing a health plan can be a daunting task, but selecting the right coverage protects you and your family’s general health needs and can prepare you for an unexpected medical crisis. While no one plans on receiving a blood cancer diagnosis, for example, an estimated 173,000 Americans were diagnosed with leukemia, lymphoma or myeloma in 2017. As there are no means of preventing or early screening for most blood cancers, a diagnosis can often appear without warning. Well-planned health insurance coverage can make an important difference in how patients can fare in fighting the disease.

This year’s open enrollment season, which runs approximately from October to December, is your opportunity to consider your health benefits and plan ahead. With the cost of care for major health events and severe illnesses increasing every year, you will want to select a health plan that ensures you and your family are prepared in the case of a health emergency. The Leukemia & Lymphoma Society (LLS) offers three tips to consider when selecting your 2018 health plan.

Compare physician and hospital networks: Be diligent when choosing a plan. While it is important to compare plan prices, including co-payments, deductibles and premiums, it is equally important that your primary care doctor and any specialists you visit are part of the plan’s network. Not all plans cover every doctor, hospital or comprehensive cancer center near you, so review the plan’s network list carefully. You also can call your doctors and hospitals to ask if they are in the plan’s network. If your spouse or children are on your plan, you will need to consider their physicians as well.

Prepare for the unexpected: No one expects to receive a serious diagnosis like blood cancer, but it helps to be prepared. The cost of cancer care is rising at an alarming rate and these costs include more than drugs and doctor visits. From diagnostic tests to hospitalizations to special home health equipment, there are many hidden costs to having a serious illness. In fact, a recent survey conducted by Russell Research on behalf of The Leukemia & Lymphoma Society found that 84 percent of adults are not sure how they would cover all medical costs if they were diagnosed with cancer. That’s why it’s important to ensure that you have the coverage you’ll need at an affordable cost.

Pay close attention to the numbers: As you evaluate your coverage options — whether through an employer, Medicare, spouse or your parents — it’s important to estimate your health care costs for the following year carefully. Understand what your deductible and co-pays will be and take stock of where coinsurance will be required; review your health bills from the previous year to guide your choice, but make sure you are covered for unexpected health issues as well.

If you purchase health insurance from the federal or state marketplace, the plans you are offered will depend on your location and income. It is very important to make sure your personal information is accurate and up-to-date on the federal website, HealthCare.gov, or on your state’s website. Depending on your income, you could qualify to save on your insurance through advance premium tax credits. In fact, 8 out of 10 people who purchase insurance through the marketplace are eligible for lower premiums. Open enrollment in the marketplace will run this year from Nov. 1 through Dec. 15.

If you or a family member had or has cancer, or are at risk for cancer, there is a checklist available at www.cancerinsurancechecklist.org that can help you choose the right plan when shopping on the health insurance marketplace. The Leukemia & Lymphoma Society also provides free information and resources about health insurance coverage for people living with cancer at www.lls.org.

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Find Medicare Confusing? Start Here

(BPT) – Navigating Medicare can be challenging. In fact, according to a 2017 UnitedHealthcare survey, nearly 40 percent of Medicare beneficiaries find the program confusing. Learning the basics can help you cut through the confusion and make an informed decision about which coverage option may be the right fit for you.

Here’s a quick guide to five important Medicare terms to help prepare for the upcoming open enrollment period. What is open enrollment, you ask? Well, read on.

1. Open Enrollment Period

If you are already enrolled in Medicare and want to make changes to your health plan, you can do so during the annual open enrollment period, which runs from Oct. 15 to Dec. 7. For most people, this is the one opportunity each year to make changes to your Medicare coverage.

Changes made during this year’s open enrollment period take effect on Jan. 1, 2018.

2. Original Medicare

Original Medicare is made up of Part A and Part B and is offered by the federal government. Simply put, Part A helps cover services such as inpatient care at a hospital or a skilled nursing facility. Part B helps cover doctor’s office visits and outpatient physical and occupational therapy services.

According to Dr. Efrem Castillo, Chief Medical Officer for UnitedHealthcare Medicare & Retirement, “Original Medicare generally covers 80 percent of health care costs, leaving you responsible for paying the remaining 20 percent. It also does not have an out-of-pocket maximum, meaning that if you have unexpected health care costs, you could end up with a hefty bill.”

Original Medicare does not cover things like prescription drugs, long-term care, hearing aids and the exams needed for fitting them, or routine dental or vision care.

3. Medicare Advantage

Medicare Advantage plans, also known as Medicare Part C, are offered by private insurance companies. Medicare Advantage plans combine Medicare Parts A and B into one plan (which means you only need to carry one card), and can offer additional benefits such as vision, hearing, dental and even gym memberships. Most plans also provide prescription drug coverage.

In addition to the all-in-one coverage, Medicare Advantage plans also have an annual out-of-pocket maximum, making it easier for you to estimate your health care costs, even when facing an unforeseen health event.

4. Medicare Supplement Insurance (Medigap)

A Medicare Supplement policy is also known as Medigap and is offered by private companies. It can help pay for some things not covered by Original Medicare, such as copays, coinsurance and deductibles. Medigap plans typically have a higher monthly premium but little or no out-of-pocket costs when you access care. However, Medigap plans don’t cover prescription drugs, so you would need to enroll in a separate Part D plan.

5. Medicare Part D

Medicare Part D helps cover prescription drugs. Castillo explains, “You have two options for prescription drug coverage. Either enroll in a standalone Part D plan, or you can get drug coverage through most Medicare Advantage plans.” Make sure that the plan you select covers the prescription medications you need.

To learn more, visit UHCOpenEnrollment.com.

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An overlooked benefit to consider this open enrollment season

(BPT) –

Being a parent is a balancing act. You are constantly being pulled in different directions and it can be challenging managing all of the things you need to get done. Your company’s open enrollment period is a chance to take stock of what benefits your workplace offers that may be able to help you manage some of the issues you face.
One often overlooked benefit is a group legal plan, which provides access to a nationwide network of attorneys for help with personal legal issues for around $20 a month. Here are just a few reasons why a legal plan can be a valuable benefit for a parent:
It helps with the things keeping you up at night. Have you considered who would take care of your children if something happened to you or your spouse? Or what if someone in the family became disabled? Do you have financial and health care directives in place to protect your family? If you have kids, you need to have estate planning documents. A group legal plan covers the cost of drafting documents like wills and powers of attorney for you, your spouse and dependents.
It can help protect or restore your identity. Identity theft is on the rise, with child identity theft quickly becoming one of the fastest-growing identity theft crimes. Contacting creditors and other agencies to resolve an identity theft issue can be very time-consuming and costly. In fact, the average cost to resolve an identity theft issue, including legal fees, is around $1,300, according to a U.S. Department of Justice study cited by CSID. Access to identity theft assistance through a group legal plan connects you to experts who can do the work for you, saving you time and money.
It helps with buying or selling a home. Having children can mean having to move to a bigger house. There are numerous legal issues involved in buying or selling a home. Attorneys can review contracts, draft documents related to the purchase or sale, as well as attend the closing for you. A legal plan provides you with access to an attorney to guide you through the homebuying or selling process, taking away the stress of dealing with complicated paperwork and legal issues.
It can help with school-related issues. As your child enters school, there are many complicated issues he or she may face. Dealing with special needs requests, administrative hearings at school or even juvenile court for traffic infractions are all legal issues that can be difficult for most parents to maneuver without legal help. When you are enrolled in a legal plan, it’s similar to having an attorney on retainer. You can contact an attorney for any questions you have related to issues your children face throughout their school years.
Having access to affordable legal help through a group legal plan can help you navigate many of the issues you face as a parent. If your company offers this as a benefit at your work, it’s one to consider this open enrollment season.

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An overlooked benefit to consider this open enrollment season

(BPT) –

Being a parent is a balancing act. You are constantly being pulled in different directions and it can be challenging managing all of the things you need to get done. Your company’s open enrollment period is a chance to take stock of what benefits your workplace offers that may be able to help you manage some of the issues you face.
One often overlooked benefit is a group legal plan, which provides access to a nationwide network of attorneys for help with personal legal issues for around $20 a month. Here are just a few reasons why a legal plan can be a valuable benefit for a parent:
It helps with the things keeping you up at night. Have you considered who would take care of your children if something happened to you or your spouse? Or what if someone in the family became disabled? Do you have financial and health care directives in place to protect your family? If you have kids, you need to have estate planning documents. A group legal plan covers the cost of drafting documents like wills and powers of attorney for you, your spouse and dependents.
It can help protect or restore your identity. Identity theft is on the rise, with child identity theft quickly becoming one of the fastest-growing identity theft crimes. Contacting creditors and other agencies to resolve an identity theft issue can be very time-consuming and costly. In fact, the average cost to resolve an identity theft issue, including legal fees, is around $1,300, according to a U.S. Department of Justice study cited by CSID. Access to identity theft assistance through a group legal plan connects you to experts who can do the work for you, saving you time and money.
It helps with buying or selling a home. Having children can mean having to move to a bigger house. There are numerous legal issues involved in buying or selling a home. Attorneys can review contracts, draft documents related to the purchase or sale, as well as attend the closing for you. A legal plan provides you with access to an attorney to guide you through the homebuying or selling process, taking away the stress of dealing with complicated paperwork and legal issues.
It can help with school-related issues. As your child enters school, there are many complicated issues he or she may face. Dealing with special needs requests, administrative hearings at school or even juvenile court for traffic infractions are all legal issues that can be difficult for most parents to maneuver without legal help. When you are enrolled in a legal plan, it’s similar to having an attorney on retainer. You can contact an attorney for any questions you have related to issues your children face throughout their school years.
Having access to affordable legal help through a group legal plan can help you navigate many of the issues you face as a parent. If your company offers this as a benefit at your work, it’s one to consider this open enrollment season.

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5 tips to help prepare for open enrollment and save on health care costs

(BPT) – Millions of Americans will soon select or switch their health benefits plan during open enrollment, so now is the time to prepare for that important decision that usually happens once a year.

More than 70 percent of Americans say they are prepared for open enrollment, yet most people struggle to understand basic health insurance terms, according to a recent UnitedHealthcare survey. Only 9 percent of survey respondents could successfully define all four basic health insurance concepts: plan premium, deductible, co-insurance and out-of-pocket maximum.

To help people make the most out of their health benefits, and better understand how to use their health care dollars, Rebecca Madsen, chief consumer officer of UnitedHealthcare, offers the following five tips.

1. Know your open enrollment dates

Open enrollment isn’t the same or at the same time for everyone, so there are key dates to keep in mind depending on your situation:

* For the more than 177 million Americans with employer-provided coverage, many companies set aside a two-week period between September and December when employees can select health benefits for the following year.

* For the more than 59 million seniors and other people enrolled in Medicare, their Open Enrollment runs from Oct. 15 to Dec. 7 each year.

* Health insurance marketplace or individual state exchange open enrollment runs from Nov. 1 to Dec. 15.

For most people, changes made to coverage during open enrollment take effect Jan. 1, 2018.

2. Take time to review your options

Every person or family has unique health and budget needs, so there is no one-size-fits-all approach to selecting a health plan. Take the time to explore your options, and understand the benefits and costs of each plan so you can find the coverage that works best for you and your family members.

* Check if your current coverage still meets your needs and if your benefits will change next year.

* Determine if the plan is a good fit for your budget, and pay attention to more than just the monthly premium. You should also understand the other out-of-pocket costs, including deductibles, copays and coinsurance.

* Make sure your medications are covered. Even if you don’t expect to change plans, it’s important to ensure your drugs will still be covered next year.

3. Make sure your doctor is in your plan’s care provider network

Even if you don’t make any changes to your health insurance this year, it’s still a good idea to ensure that any doctor you see regularly — or plan to visit in the coming year — is in your benefit plan’s care provider network. If you plan to visit a doctor or hospital outside of the network, be sure to understand how your costs will differ from a network care provider because those costs will most likely be higher.

Also, check if your plan includes 24/7 telehealth services for consultations on minor health issues. Often, telehealth — defined as online, or virtual, visits with a doctor over a computer, tablet or mobile phone — is available to people enrolled in employer-sponsored health plans and group Medicare Advantage plans, as well as select individual Medicare Advantage plans. Virtual visits may provide convenient and affordable access to care for minor medical issues, including allergies, bronchitis and seasonal flu.

4. Don’t forget about additional benefits

Additional benefits such as dental, vision, accident or critical-illness insurance are often affordable options that can protect you and your family from head to toe. For people enrolled in Medicare, many are surprised to find that Original Medicare doesn’t cover prescription drugs and most dental, vision and hearing services. But many Medicare Advantage plans do, often at a $0 monthly premium beyond the premium for Original Medicare.

5. Take advantage of wellness programs.

Some health plans offer discounts on gym memberships and provide financial incentives for completing health assessments, signing up for health coaching programs, lowering your cholesterol, losing weight, meeting walking goals or stopping smoking. Programs are designed to reward people for making healthy choices and being more engaged in improving their health.

For help navigating open enrollment, visit UHCOpenEnrollment.com for articles and videos with easy-to-understand information about health benefits and health insurance terms.

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