Your health insurance plan is an important a tool for your health. After being in the industry for over 25 years and helping numerous individuals get insured, it is important to understand and utilize your benefits to get the most out of your plan. There are several ways to get coverage for medical expenses: large group, small group, individual health plans, or through Medicare. Once you have coverage, it is time to explore your plan documents. These documents come from the insurance carrier, and some plans send your plan documents and your insurance card separately. Take some time to review your documents once you receive them. Whether you have had your plan for years or have chosen a new plan, there are several things you can do to get the most out of your health or Medicare plan. Here are some tips to help you maximize your health and Medicare benefits:
- Understand your benefits by reviewing your documents thoroughly. This is very important because it will let you know what services are covered, the costs associated, and any limits or restrictions on coverage.
- Take advantage of your preventative services. Preventative services include coverage for wellness, immunizations, regular check-ups, preventive services and screening. Schedule and attend regular check-ups and preventive screening covered by your plan. Early detection can help prevent and manage health issues.
- Pay attention to the network providers and use healthcare providers that are in-network to ensure maximum coverage. Check with your agent or insurance company to confirm the network status of specific healthcare providers before scheduling appointments.
- Manage your medications by understanding your prescription drug coverage, including copayments and formulary details. Consider discounts such as mail order, discounts such as Good Rx, or generic drugs when available, as they are often more cost effective.
- Plans change every year so stay informed about changes to health or Medicare plans. This would include updates to coverage, costs, and providers.
- Remember to contact your insurance provider, agent or benefit administrator if you have any questions about medical services or need clarification. It is important to note some plans require preauthorization for certain procedures or medications.
- Take advantage of extra benefits such as wellness programs, travel assistance programs, gym memberships or discounts, and other discount programs. BCBSM members have a discount program called Blue365 and Priority Health offers a discount program for members called Benefit Hub.
- If you have an HSA or FSA qualified plan, make sure to contribute to those funds to save money on eligible medical expenses with pre-tax dollars.
- Take time to compare plans annually to ensure you have the most suitable coverage. Our Agents at National Benefit Plans, Inc offer no-cost annual reviews.
- Most health plans now offer telehealth services that allow you to consult with healthcare professionals remotely. This is not only convenient, but it can potentially save you money on urgent care visits.
You can make the most of your health and Medicare benefits by being proactive and managing your health plan. If you have any questions or concerns, reach out to your licensed insurance agent who can best advise your situation and explain your plan to you. Your licensed representative is a resource for you throughout the year to provide information and guidance. A good, licensed agent can do this for you but if you do not have one, National Benefit Plans can be a resource for you.
For over 30 years, NBP has been dedicated to the well-being of clients and the success of agents by always striving to do the right thing and caring for everyone as if they were family. We have offered the best national and local carriers offering top-notch, affordable healthcare coverage for individuals, families and groups, including supplemental Medicare plans.
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