My 1st favorite duck is Peepers. My grandma had her as a pet when I was little. The Aflac duck is my 2nd favorite.
I can’t help it. I think he’s cute. Plus, he’s a great reminder to be educated about your health care plan.
I’m lucky that I have health benefits through my employer. And I’m REALLY lucky I was smart enough to take advantage of them when I did. My company does NOT offer open enrollment each year.
For those that don’t know – open enrollment is a time period each year when people not currently on a plan are able to join. Usually, this coincides with an open period to make changes to your benefits, such as dropping coverage or switching to a different plan if multiple insurance options are offered.
I’ve been at my company for 7 years now. There hasn’t been a single open enrollment since I started. I got in on the health plan because I had a “qualifying life event” – I was hired and reached the eligibility period, and wasn’t covered by my previous employer’s plan anymore. I was able to add Jason when we got married (another qualifying life event) and Levi when he was born.
If I hadn’t added Levi or Jason when those “events” happened, I wouldn’t be able to add them later. That’s why Levi’s had dental insurance since he was born even though he probably won’t see the dentist until he’s 3 – because if I didn’t sign him up then, I wouldn’t be able to add him later. I really dislike paying for a service I’m not using, but since I know I’ll need it eventually and I also know my company doesn’t offer open enrollment, it’s a necessarily expense for us.
Even though I don’t like how my company does it, I’m glad they take the time to explain our options to us every year. I was reading a USA Today article recently, and 52% of the employees they surveyed said their companies DON’T communicate with them about their open enrollment process. How much would that suck if you found out later on that you missed your window or could have been on a better plan for your family but didn’t know about it?
The duck, err, Aflac did a study on this, too. They found that more than 60% of people aren’t aware (or are only sometimes aware) of changes in their policies. I don’t know about you guys, but my insurance premiums have been increasing every year. The deductibles have been going up, and coverage has been changing too. I can’t imagine not being aware of those changes. They have a major impact on my budget, especially with an adventurous 2 year old in the house.
If you’d like to learn more about common benefits mistakes and how they cost people tons of money every year, check out this great infographic.
What would you ask the Aflac duck about health insurance?
I wrote this review while participating in a campaign by Mom Central Consulting on behalf of Aflac and received a promotional item to thank me for taking the time to participate.