How to be an Open Enrollment Rockstar | San Francisco Benefits Team

How to be an Open Enrollment Rockstar | San Francisco Benefits Team

 It’s the most wonderful time of the year.
No, it’s not Christmas—it’s Open Enrollment!!
When the autumn leaves fall and the weather turns cooler, we know it’s time to start thinking of open enrollment hype and meetings and meetings and meetings. So how do you change normal and ordinary communication about employee benefits and change them into rockstar communication? We have some tips that may help!
 
COMMUNICATE EARLY
People need time to process all the information you share about their employee benefits. Once they have received the info, they typically need to ask questions, compare/contrast plans, and weigh decisions. By communicating with your employees early, you give them plenty of time to make their choices without feeling rushed by a short deadline.
 
COMMUNICATE CLEARLY
HSA, FSA, PPO, HMO, LTD? What? You can see how your employees can get confused with all the terms and plan names that get presented to them during open enrollment. The Society for Human Resources Management (SHRM) suggests creating a glossary of common terms for enrollment meetings. Another way to clearly communicate benefits is to think ahead to the common questions asked each year and make a FAQ sheet with the answers.
 
COMMUNICATE FREQUENTLY
Did you know that it takes 8 times to read something before you retain that information? Think of all the material that gets shared at open enrollment meetings. There is no way that an employee would be able to retain that info in one sitting. So, communicate about your benefit plans all year long. Do trivia contests with prizes in your company newsletter about different benefits topics. Use multiple channels to frequently communicate such as print, digital, and animated videos!
 
COMMUNICATE PERSONALLY
Share “real life” examples of a sample employee with specific health issues and how they can utilize their benefits. This helps your audience think of additional situations in which they could see themselves needing some of the insurance products offered in your meetings. Host small Q & A sessions after larger meetings to allow for more personalized attention. When you communicate personally, you are able to explain the value of the benefits to your employees better.
 
By focusing on these communication techniques, you will reap the rewards of a well-informed and connected employee when they are choosing benefits. Plan ahead, speak with a clear message, personalize example situations, and repeat, repeat, repeat. Here’s to a great open enrollment season!

Don’t Leave Your FSA Money on the Table this Year!

Don’t Leave Your FSA Money on the Table this Year!

As 2019 is nearing an end, many people are looking at this year’s medical expenses to plan for how much they should set back for next year. In investigating these expenditures, you may notice that you still have money in your Flexible Spending Account (FSA) for 2019. FSAs are unique in that any unused money from this plan year is forfeited once the new year begins. You definitely do not want to leave money in your FSA once 2020 rolls around. To help, we’ve compiled a list of some ways to use up your hard-earned FSA money that you may not have thought possible!

  • Acupuncture
  • Acne treatment
  • Breast pump and supplies
  • Chiropractic treatments
  • Dental treatments—orthodontia, medically necessary water fluoride treatments, caps, fillings, x-rays
  • Eyes—glasses, surgery, contact lenses
  • First aid kit
  • Genetic testing—including BRCA gene testing
  • Motion sickness medicine
  • Nutritionist consultations
  • Sunscreen
  • Smoking cessation program
  • Vaporizer
  • Vasectomy
  • Weight loss programs/surgery

There are even some high-tech gadgets that may fall into the medically qualified expenses category:

  • Acne light therapy
  • Electronic stimulation instruments for pain
  • Medically necessary mattresses
  • Smart thermometers

Don’t leave your FSA money on the table in 2019! You have earned this money so make sure you use it to its full potential.
This list is not an exhaustive list of ways to spend your FSA money nor does it guarantee your insurance program considers these to be qualified expenses. Check with your HR department and insurance agent if you have questions about qualified expenses.