Benefits Breakdown: Open Enrollment Do’s & Don’ts
Open enrollment season can be a stressful time for HR teams and employees alike. But with the right approach, it doesn’t have to be. Whether you’re preparing for your first enrollment or you’ve done this a dozen times, a smooth open enrollment period starts with clear communication and careful planning.
Here are some key do’s and don’ts to help you make this year’s open enrollment your best one yet.
✅ DO: Start Early
Give your employees time to review their options and ask questions. A rushed open enrollment leads to confusion, missed deadlines, and frustration. Ideally, start communications at least 30 days in advance.
❌ DON’T: Rely on One-Size-Fits-All Communication
Not everyone processes benefits information the same way. Some employees prefer email, while others may need printed materials or one-on-one help. Use a mix of formats—emails, flyers, meetings, and digital resources.
✅ DO: Highlight What’s New or Changing
If your plan has changed—premiums, deductibles, networks, or providers—be transparent. Focus your communication around what’s different and what action employees need to take.
❌ DON’T: Assume Employees Understand Their Benefits
Even long-time employees may not fully grasp terms like “deductible,” “coinsurance,” or “out-of-pocket max.” Use plain language and real-life examples to help make benefits more approachable.
✅ DO: Make the Enrollment Process Simple
Whether you’re using paper forms or a digital platform, the process should be intuitive and user-friendly. Provide step-by-step instructions and contact info for support.
❌ DON’T: Forget About Compliance
Ensure you’re meeting all required notices—like the Summary of Benefits and Coverage (SBC), CHIPRA, HIPAA, and Medicare Part D notifications. Documentation is key to avoiding penalties.
✅ DO: Involve Your Broker
Your benefits advisor (👋 that’s me!) can provide pre-enrollment education, host employee meetings, and troubleshoot questions. Don’t go it alone—we are here to make your life easier.
Ross Durham, Employee Benefits
For more information contact the Frost / Beck Insurance Agency. Call us at 419-592-4476, send an email to frost@frostins.com, or click here to submit your request today! Or, stop by and see us at one of our four convenient locations in Archbold, Napoleon, Holgate, or Whitehouse.
Coming Next Week:
We’ll explore HSA vs. FSA—what’s the difference, and how do you know which is right for your team?
