Open Enrollment

I’m up late tonight making elections on behalf of our family in our new Sony open enrollment cycle.

Something occurred to me while I was clicking through tutorials, watching videos summarizing benefits like HSA accounts and electing or declining coverage.

If we had open enrollment for triathlon coaches, what boxes would athletes want to double down on, investing more money in? Where would they decline coverage, so to speak?

For example, do you want to have the high level PPO plan where you might “pay” a lot up front but rest assured you’re covered for almost any training or racing scenario need that might arise?

Or do you take your chances? Do you venture out into the world knowing that while you will save money with either self-coaching or a downloadable plan…that might blow up in your face when it matters most?

I don’t think there’s a wrong answer here actually.

But just like a parent doing calculations in advance for open enrollment, the athlete needs to know what’s important to them and what they’re willing to invest to ensure they’re properly covered.

Do the mental work to understand your goals and needs, then pick the “provider” and proverbial coverage level that best suits you.

If this analogy has gone too far, look a the bright side…we haven’t even discussed in-network coaches (<cough> Ironman University) versus out-of-network!