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Leading Supplemental Insurer Recommends Insurance Review Following Annual Benefit Enrollment Period
Date:2/10/2009

ce benefits, the health plan could have a high annual deductible that is likely to be $1,100 or more for an individual and much higher for family coverage.

Other statistics show that prices will continue to rise. A recent survey by Watson Wyatt reports 46 percent of employers have raised employee contributions for health insurance benefits or plan to do so in the coming year.

Supplemental insurance can be a financial lifesaver

"If your employer has reduced sponsored benefits or increased your share of insurance benefits costs, you might want to consider a supplemental insurance plan that provides specified benefits that can help fill the gaps in your coverage or help offset additional out-of-pocket costs," states Mills. She recommends employees take the time to review their current coverage to identify:

  • Shortfalls or gaps in insurance compared to their previous coverage,
  • Changes in co-pay and/or deductible amounts and
  • Adjustments in out-of-pocket limits.

"With a solid understanding of what primary insurance benefits cover and what they don't, an employee can take the necessary steps to obtain supplemental insurance to ensure optimum protection," adds Mills.

"Supplemental insurance policies are available for a wide range of situations with an equally broad range of benefits in all price ranges," continues Mills. "We recommend contacting an insurance agent who can help identify available options."

About Combined Insurance Combined Insurance (www.combinedinsurance.com) is a leading provider of supplemental accident, health and life insurance products and is a member of The ACE Group of Companies. With a field sales force and corporate st
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Source: PRWeb
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