How to Get the Most Out of Your Health Insurance

We know the frustrations many people have with higher costs in healthcare, less benefits offered, etc. We also know many people don’t take full advantage of their health insurance plans. So we’ve compiled a few tips below to help you get the most out of your plans.

Take Advantage of Free Preventative Services

Most plans offer preventative health services at zero cost to you and no deductible to meet. These services include routine in-network check up, physicals, screenings, pap smears, flu shots, immunizations, mammograms and more.

Take Advantage of Discounts

Many plans offer discounts on gym memberships, eye exams and more. Check the back of your benefits booklet or your online account.

Avoid Out-of-Network Visits

Always attempt to stay in network If possible. If you have to go out of network do your research and settle on a price with your insurance company before your visit. Some PPO plans let patients visit out of network providers but you will have to pay a larger portion of the bill. Rather than getting stuck with an unexpected bill, understand how your out-of-network coverage works. If you need to have a medical procedure done, we also recommend you visit the site www.SaveOnMedical.com to compare prices.

Go Generic on Prescription Drugs

Over-The-Counter versions of drugs can be purchased for much cheaper. These could include drugs for joint pain, heartburn, headaches, allergies, insomnia and more. If you need advice on what drug to choose, consult your local pharmacist. You can also find if there is a generic version available and if so, where to buy them and what price they’re offered at the website www.GoodRX.com.

Keep Detailed Records

T o ensure all your medical costs are accurate, monitor all your insurance bills and healthcare records. Your EOB (Explanation of Benefits) statements should have all the treatments you received and any copayments you’ve made as well. If something doesn’t look right, don’t be afraid to challenge your insurance company about it.

Stay Healthy

Lowering your healthcare costs can be achieved by some simple lifestyle changes. Both your body and wallet will appreciate you eating nutritious foods, going to the gym and avoiding bad habits.

If you have any other questions or need help filing a claim, our customer service team is here to help. You can contact them at our toll free number (866) 487-9887 then press 2.

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