Open enrollment. It’s the term buzzing around your HR department this time of year. But what does it mean? And how does it affect you as an employee?
Open enrollment provides employees the opportunity to select different benefits for the upcoming year. Now is the time to consider your current coverage, financial situation, personal needs and the needs of your dependents.
To prepare, here are 3 questions you need to ask yourself before you enroll:
1. What’s included in my current dental coverage?
Re-visit your current coverage. Does your plan cover the number of times you need to see a dentist? Does it make sense with your current budget? Have there been changes to employer-sponsored benefits or allocations? You can view your current dental coverage by visiting www.deltadentalnm.com and logging into the Consumer Toolkit.
2. What changes will happen next year?
A lot can change in a year, and you’ll need to consider what the future may hold. Do you have oral health needs that may require more attention? Are you expecting to need extensive dental treatment? Look ahead so that the coverage you choose now will meet your needs later.
3. Will my current plan change?
This is a key detail to get from your employer and/or benefits provider. Your current plan may not be offered in the upcoming year. Ensure that there are no coverage surprises before your plan’s renewal date.
If you aren’t covered by a group dental plan, you have options. Delta Dental of New Mexico offers individual dental plans that you can enroll in any time of the year. Visit the enrollment site, www.mysmilecoverage.com/nm, to get started.
Have any questions? Don’t hesitate to contact us.