Open Enrollment

What to know during open enrollment

Open enrollment is the time of year when you have the opportunity to choose or change your health insurance plan. The open enrollment period usually begins on November 1, but exact dates vary by state and plan type. Be sure to check your plan. If you have commercial insurance through your employer, ask your employee benefits manager for exact dates, and mark your calendar.

[0:04] Daughter: Have a good day, Dad.

[0:06] Daughter: And don't forget, open enrollment is coming up.

[0:12] Son: Yeah, it's the one time per year, usually in the fall, when you can enroll in or make changes to health insurance.

[0:20] Neighbor: Whether you get your healthcare through your employer, the marketplace or Medicare, you may have a choice of plans, take a look to compare them

[0:31] Wife: Look at premiums and out of pocket costs. And if you are making any changes, make sure that your healthcare providers and specialists are covered, or in network.

[0:44] Son: You also want to check your plans formulary which is a list of covered prescription drugs to make sure your medications are covered.

[0:53] Daughter: Remember that open enrollment periods can vary, so check with your insurer to know your window. And be aware of any special circumstances for enrollment outside of the set window, such as changing jobs.

[1:09] [Dog Bark] Neighbor: Scout said, ‘Don't forget about flexible spending and health savings accounts.

[1:17] Daughter: Open enrollment is coming. We could all use a little extra support. Let's do this

Support navigating coverage

Case Managers are available to help you understand your insurance and can provide education through the open enrollment period. If you have questions about your plan or coverage, call HemAssist to be connected to a Case Manager.

Concerned about out-of-pocket costs? HemAssist offers financial assistance programs to help eligible patients afford their medication. A Case Manager can help you identify potential financial assistance you may be eligible for.

Call 1-833-723-5463 Monday – Friday 8 AM to 7 PM ET

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Your enrollment checklist:

Be sure to review key areas of your plan to help avoid surprises and to stay on track with your care.

Check your plan's exact dates

Exact dates for open enrollment may vary by insurance type, such as commercial insurance or Medicare.

Review your providers

Before making a change, make sure your providers, including specialists, are in-network.

Check your coverage

See if your medication is included in your plan’s formulary (the list of medications covered by your insurance plan).

Understand your out-of-pocket costs

Check your monthly premium, deductible, and annual out-of-pocket limits.

Mind the deadline

After your plan’s open enrollment period ends, you will not be able to make changes for the year unless you experience a qualifying life event.

Have questions?

Our team is here to assist you.

Call 1-833-723-5463 Monday – Friday 8 AM to 7 PM ET

Portrayal of a smiling woman in an office wearing a headset.