As millions of Americans evaluate their health plan options during this year’s open enrollment season, a new survey finds that 3 in 5 Americans incorrectly defined key health care terms. This knowledge gap may result in less-than-ideal selections, which could cause you to miss out on plans that might better suit your needs and offer potential cost savings.

For people with coverage from their employer, open enrollment happens during a two- or three-week period before the end of the year. For those eligible for Medicare, the annual enrollment period runs from through Dec. 7 each year. Coverage selections made during the fall will take effect Jan. 1. For people shopping for individual plans on the Health Insurance Marketplace, open enrollment ends Jan. 15 in most states. Enroll by Dec. 15 for active coverage Jan. 1.

Here are a few tips to consider when choosing a plan that may help lead you to better health and cost savings:

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Plan ahead

Take time to understand the benefits, services and costs of plans available, including what might have changed with your current coverage. Pay attention to more than just the monthly premium, also understanding what out-of-pocket costs like deductibles, copays and coinsurance you may be responsible for.

Medicare: As you weigh your options, assess the differences between Original Medicare and Medicare Advantage. Visit MedicareEducation.com to find answers to questions about eligibility, plan choices, prescription coverage and more.

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Prevent unexpected costs

Check if your doctor is in your plan’s provider network, since visiting in-network providers can help reduce out-of-pocket costs. Make sure your medications will be covered next year by the plan you choose. And consider filling your prescriptions at an in-network pharmacy or with home delivery — more cost-efficient options. 

Medicare: Original Medicare doesn’t generally cover prescription drugs. Consider enrolling in a Medicare Advantage plan with prescription drug coverage to help keep medication costs in check.

Explore mental health coverage

Beyond in-person mental health care, you may have access to a virtual network of therapists and psychiatrists along with advocates to help find the right behavioral health care or resources.

Medicare: Look for plans that offer virtual mental health care with a $0 copay.

Look into specialty benefits

Additional benefits — such as dental, vision, hearing or critical illness insurance — are often available and may contribute to overall well-being.

Medicare: Original Medicare doesn’t cover most dental, vision and hearing services, but many Medicare Advantage plans do.

Consider wellness programs

Many health plans offer incentives for taking healthier actions, like completing a health survey or exercising. Others provide personalized support to those living with common chronic conditions like Type 2 diabetes.

Medicare: Many Medicare Advantage plans offer gym memberships and wellness programs for members at no additional cost.

Marc Neely is the president and CEO at UnitedHealthcare in Colorado and Wyoming.