Tips for Maximizing Your Health Care Benefits

There is no better time than now to look at your healthcare benefits and see how you can better utilize your plan. If this is your year to focus on healthy habits, here are four key areas to review to make the most of your plan.

Review your summary of benefits. Each health insurance policy has a summary of the benefits, which is an overview of your benefits. Make sure you obtain a copy so you are aware of any deductibles, copays or coinsurance responsibilities when using your plan.

Use in-network providers. Whenever possible, use providers who are in network and accept your policy. This will reduce your cost of services. If your policy is an HMO, the network of providers is based on the primary care doctor you selected.

Keep current with preventive care. Every policy has preventive care. These no-cost benefits include routine vaccinations, well-care visits, and many other screenings. Be sure to schedule these critical appointments annually.

Elective procedures. Many of us put elective procedures on the back burner. If this is your year to get that nagging knee surgery done, be sure to review your policy. Does your plan have a deductible before your coinsurance responsibility? Every plan’s out-of-pocket maximum resets at the beginning of the year, so this information may assist you in determining the time frame you select when scheduling this procedure.

When assistance is needed to help you with those healthy habits, call or email us so we can help you get the most out of your healthcare benefits.