My 2nd Favorite Duck Knows A Lot About Insurance

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My 1st favorite duck is Peepers. My grandma had her as a pet when I was little. The Aflac duck is my 2nd favorite.

Aflac Duck

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?

 duck_card

 

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.

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Comments

  1. Insurance premiums are insane! Can’t live with ‘em…and can’t live without ‘em!

  2. Karen Hand says:

    I agree with Rebecca. Right now I am covered on my husband’s policy, but next August he will no longer be on the policy; consequently, I won’t have insurance coverage. I have already began looking and even spoke with a couple agencies about possible coverage. I do have the option of going with Cobra through my husband’s former employer, but that coverage will cost me almost $800 for myself alone, so yes, insurance coverage is outrageous!

  3. hahaha love it!! thanks for sharing

  4. Insurance benefits are extremely confusing. I am blessed enough to have worked in a human resources department for many years so I do understand what I am looking at. I think that people not only need to take a look at what they are getting through their employment, but look at insurance like what Aflac offers. It is not health insurance that pays your medical bills, it is insurance that helps you pay your household bills while you are out of work due to illness/injury. Often, well most, times we don’t think of that until it happens to us. People may think that they will be able to get disability, but what they don’t know is that you must be out of work for at least 2 weeks and it can take up to 6 weeks to get and then it only pays you 2/3 of your pay. Something to think about isn’t it.
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  5. It’s easy to live without insurance..

  6. I just think the Aflac duck is the best!

  7. Nena Sinclair says:

    I LOVE the Aflac duck, I want one! Lol

  8. When I was growing up, we lived on a lake and always had random ducks and geese hanging out in the backyard. One of the ducks laid eggs and then never came back so when I was about 9 years old, I incubated the eggs with a heat lamp and 5 baby ducks hatched! LOL I remember how mad my mom got when she found me in the bathtub with all the baby ducks in there with me! It was pretty funny actually!
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  9. Wendi Scharrer says:

    First let me say, I will never own another duck! EWE lol Cute at someone elses house…not mine!
    We recently started a new insurance plan…expensive! :( We now need to check into Aflac. Thanks for info.

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