How often should Highmark members review their health plan benefits?

Highmark members should review their health plan benefits annually or when significant life changes occur because this practice ensures that they are fully aware of their coverage, benefits, and any changes that may have taken place in their plan. Annual reviews help members stay informed about any updates or adjustments to their coverage, deductibles, co-pays, or any new services offered by their plan that could enhance their healthcare experience.

Significant life changes, such as marriage, divorce, having a child, or changes in employment, can affect healthcare needs and the appropriateness of a current plan. By reviewing their benefits in these contexts, members can ensure that their health insurance adequately meets their current circumstances and potential healthcare requirements. This proactive approach can help avoid gaps in coverage and ensure continued access to necessary health services.

In contrast, reviewing benefits monthly or quarterly may lead to unnecessary confusion or anxiety over minor details, while waiting only for premium cost increases or looking at benefits every five years may leave members unprepared for changes that could benefit them throughout the year.