Annual enrollment causes stress for benefits professionals and employees
You spend months preparing for enrollment and when you finally launch, you discover the onsite signage is going unnoticed and the emails you sent weren't opened—plus you’re still getting countless calls about the information you provided in those thoughtfully crafted communications.
Turns out, you’re not the only one who's stressed. Nearly half of the employees surveyed in a Jellyvision/Harris Poll communications report cited health insurance decisions as very stressful. And 41% of them said their company’s open enrollment process was extremely confusing.
So stressful and confusing that a recent Aflac Open Enrollment survey found that 48% of respondents “would rather do something unpleasant, such as talking to their ex or walking across hot coals, instead of completing their annual benefits enrollment.” Ouch!
So what gives? Reading about benefits “is long, complicated or stressful,” reported 72% of those surveyed in the Aflac study. And for 36% of them, the benefits enrollment process makes them “feel frustrated, anxious or confused.”
Knowledge = power
Few employees actually understand their benefits plans. More than 60% of Aflac respondents said there are some things they don’t understand about their insurance coverage. And how could they? Nearly 90 million Americans have difficulty understanding and acting on health information according to the Centers for Disease Control (CDC). The health care industry has its own language, and employees rely upon their employer to "decode" complex jargon. It's important to remember that they may not even understand words like deductible, copay, out-of-pocket maximum, and coinsurance, which are part of the everyday benefits language.
It's no wonder that one in four employees tune out when it comes to benefits information, and many say they completely disregard it, according to Jellyvision/Harris Poll data.
So what can you do? A lot.
Employers play a big role in educating employees about their benefits. More than half of the Jellyvision/Harris Poll respondents said they want help from their employer in making benefits decisions. But you have to capture and keep their attention, and if you’re using words and phrases they don’t understand, they’re going to tune out your messages. If they’re tuning out your messages, chances are they’re not getting the care they need.
In fact, several studies now show that health literacy has a direct impact on health outcomes. And poor health has a direct correlation to stress. Our health literacy white paper, 5 Ways to engage employees in health education and build literacy, outlines all this and gives you actionable tips to build health literacy among your employees.
Benefits mistakes affect everyone
Health literacy—or the lack of it—can be a costly issue. The Jellyvision/Harris Poll survey found that only 15% of employees considered themselves very knowledgeable about high-deductible health plans, which are becoming more of a trend among employers. This means employees have distorted perceptions about their health coverage, which affects the plans they pick, good or bad. Furthermore, this can result in big losses—54% of Aflac respondents estimated they waste up to $750 each year because of mistakes they make during open enrollment with their insurance benefits.
Your employees want your help during enrollment, and if you’re still not convinced, check out these pleas from Twitter proving it.
Trying to figure out health insurance is way too confusing and makes me want to crawl in a hole #OpenEnrollment
— Kaitlin Nicolini (@kaitlinnicolini) November 5, 2016
Nothing like #openenrollment season with updates to plan beneficiaries to make you feel old/deathly... @KamHall16, you're lucky to have me.
— Kayleigh Hall (@kayleighelizah) November 4, 2016
Company reminder that it's #OpenEnrollment for benefits. Hahahaha pic.twitter.com/Ipbm8KcDRX
— Billy W. (@BillzIsMyName) October 7, 2016
After being held in a grown-up, insurance Guantanamo Bay, I was released with a deductible increase of 400%. #openenrollment #adultingsucks
— Lacey Nobles (@LaceyKCBD) November 3, 2016
Affordable insurance is like the abominable snowman. People talk about it but no ones ever really seen it! #OpenEnrollment #IAintGotNoMoney
— Jonesssyyy (@jonesssyyy) November 8, 2016
Getting kicked off your parents insurance is like finding out Santa isn't real all over again. #OpenEnrollment
— Sara Roberts (@saraannerob) November 7, 2016
Reading about open enrollment...blah blah blah! #mastiff #OpenEnrollment #seriousStuff #humanlike #bestbreed #mansbestfriend pic.twitter.com/wHK9wK8J5f
— Brad Stewart (@btiny71) November 5, 2016
When you can't figure out what to do with the small raise you got so you go up a tier on your health insurance. #OpenEnrollment #adultlife
— SheKnowsGoodBooks (@sheknowsbooks) November 3, 2016
Why does reading through open enrollment documents make me feel like English is not my first language? #openenrollment
— AGDonohoe (@AGDonohoe) November 2, 2016
I feel like this is the most honest analysis of cost levels I've ever seen #OpenEnrollment pic.twitter.com/DCBwwTSWfq
— The Michelle Schulp☜ (@marktimemedia) November 2, 2016
@johnschuhmann Can you figure out a statistical model to tell me which insurance option to pick? #OpenEnrollment #TheStarters
— Matt (@StartersMatt) November 2, 2016
Went down the #healthcare insurance rabbit hole. Still there. Dying slowly. Have yet to meet my #deductible . #OpenEnrollment
— Irena Gettinger (@IrenaGettinger) November 1, 2016
When I successfully health care, I would like someone to high-five and reward me with a congratulatory muffin. #OpenEnrollment #GrownUpLife
— (((Jessie Losch))) (@JessieLosch) October 31, 2016
Is sitting through a #benefits meeting at work the seventh circle of hell? #deepthoughts
— Stasi Richmond (@stasi74) November 8, 2016
Damn, i forgot i have open enrollment tomorrow. Im going home right afterwards
— The Humanoid Typhoon (@OD_King) November 8, 2016
Open enrollment is closing soon and I've never been more confused about insurance plans. #adulting
— Melissa Nhieu (@melissanhieu) November 8, 2016
Oldies, but goodies:
@UPMCHealthPlan there is no Step2/celebrating when choosing health plans. Nothing but stress.
— FrankBurgh (@frankgrocks) November 13, 2015
Choosing insurance should be like buying an Apple product. Instead it's like buying a PC; too many confusing choices. #ihateopenenrollment
— Yahel Carmon (@Yahel) November 30, 2011
That moment when you don't wanna upgrade your benefits bc you're thinking about the now but you have to bc of the later #AnnualEnrollment
— ashshhlee (@a_knaquia) November 3, 2015
It's #AnnualEnrollment time! Oh my days! Let the confusion and stress commense! #SMH #ThankfulForBenefitsThough
— Sharon (@Mom24rugrats) October 7, 2015
Dear Loving Husband, if you delete the #annualenrollment email without reading it again next year, I will have the same reaction.
— Linda Liebe-Danca (@LiebeDanca) November 6, 2012
Jennifer Benz, SVP Communications Leader, has been on the leading edge of employee benefits for more than 20 years and is an influential voice in the employee benefits industry.
