Are you missing out on benefits included with your health plan? It's easy to lose track of the many perks you could be taking advantage of. Just like researching before buying a car or getting a second opinion, learning about your health benefits can be very beneficial. Let's explore seven ways to maximize your health plan benefits.
7 Ways to Get the Most Out of Your Health Plan
Review Your Full Set of Benefits Many Americans miss out on preventive care each year. Often, it's a case of "out of sight, out of mind." Just like unused gift cards stashed away, health care benefits can also be overlooked. Preventive care, like annual screenings and immunizations, can support your health and help you avoid illnesses. Reviewing your plan’s benefits, such as rewards for health and wellness goals or support for weight loss and smoking cessation, can reveal valuable perks you might not be aware of.
Research Health Insurance Options During Open Enrollment Many people spend more time researching a new car than their health insurance plan. However, spending time to understand your health plan options can help you maximize your benefits. Consider your costs and your family's health care needs, and look beyond premiums and deductibles to find additional benefits included in your plan.
Get Up to Speed on Health Insurance Basics While many people think they understand their health care benefits, fewer than half actually do. Take a few minutes to look through all your benefits. Sign in to your portal and view your plan details, covered services, and provider search tools. Knowing the specifics of your health plan can help you get the most value out of your benefits.
Get a Second Opinion When it comes to health, getting a second opinion can be crucial. Many patients who seek a second opinion end up with a different diagnosis or treatment plan. Most insurance plans include the option for a second opinion at no extra cost.
Check Your Health Benefits Before Re-enrolling Life changes, and so do your health needs. Before re-enrolling in your health plan, review your coverage to ensure it meets your current needs. Ask yourself questions about changes in your plan’s network, your health, and your finances to make sure you have the best coverage for your situation.
Use Your Mental Health Benefits Mental health is an important part of overall well-being. Many people experience anxiety, stress, or depression and need help to cope. Employers often provide mental health coverage, and providers and insurers are working to ensure patients get the care they need.
Save Money with Health Spending Accounts Many people are unfamiliar with Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs). These tax-free accounts can help reduce the cost of doctor appointments, medications, and more. Compare the details of each account type to determine which one is right for you.
We’re happy you found this article informative! Go back to our blog page to find more tips, tricks and guidance on getting the right health insurance for you!
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