We know it's that time of the year when everyone - Seniors, Families, Employees, literally everyone- is inundated with ads about open enrollment products.

It can be annoying, confusing, and make everyone just want to ignore the whole deal. Problem is, if you do that you could be causing yourself some real expensive issues next year.

As experts in the subject we feel compelled to share some PRO TIPS to make all your enrollment seasons less annoying! Read these TOP 3 PRO TIPS HERE!

PRO TIP #1: HAVE A BROKER (not an agent) REVIEW YOUR COVERAGE EVERY YEAR.

Whether you consult one of our brokers or have your own, we encourage everyone to consult with a local broker annually. Plans, networks, hospitals, co-pays, doctors, and even LAWS change every year regarding your coverage. Using a broker who works for you (versus and agent who works for an insurance carrier) is able to offer you plans from all companies should you need to choose an alternative. Agents will typically only offer plan from whatever insurance brand they work for.

PRO TIP #2: USE THE SAME BROKER EVERY YEAR .

Find one you like and trust and stick with them! They will keep up to date on your needs and preferences and be ready to inform you of the best options come open enrollment. Maybe it's to stay on your current plan or make simple adjustments to save you on co-pays and out-of-pocket expenses, find you more resources, and even help you with Medicaid and other financial issues related to health coverage. No matter what, developing an ongoing relationship with a local broker will streamline the process for you year after year.

PRO TIP#3: GET EDUCATED, NOT SOLD.

Look for EDUCATIONAL health coverage events. These are often hosted by Medical Providers like this upcoming Medicare 101 class from Intermountain Healthcare (Click for detail if interested).

Per government regulation, these events are registered as educational and you cannot be pitched to purchase plans at such events. These are an excellent way to learn about various health coverage in a sales free environment.