Your health should be a priority. Being covered by health insurance is of utmost importance so you don’t have to cover medical expenses out of pocket and get into too much debt. But did you know that you can get more than just coverage out of your health insurance? Many people gloss over health insurance policies and laws. However, you should read over all your materials to make sure you are receiving benefits that you never even knew existed!
How to Get the Most Out of Your Health Insurance
- Create an online account. Once you get your health insurance card and materials, go to your insurance provider’s website and set up a profile. Choose your primary care doctor and preferred hospital. Here, you can review your health plan in detail. Use the site to see how claims are listed.
- Call the nurse’s hotline. You may need immediate assistance while your doctor’s office is closed. Call the customer service number on the back of your health insurance card to see if there is a nurse’s hotline. These hotlines are usually available 24 hours a day. The nurses will be able to give you more clarity on your issue. They can help you decide whether to wait out your symptoms, book a medical appointment, or go straight to the hospital.
- Learn about preventative benefits. Insurance companies may be required to provide a yearly physical, flu shots, and discounts for gym memberships or weight loss without charging toward your deductible. Usually, only certain vaccinations and health clubs are covered. Remember, preventative care can not only extend your life but lead to a healthy budget, too.
- Take advantage of discounts. This can include eye examinations, contact lenses, gym memberships, and more. Member discounts may be listed both in your health insurance booklet and online.
- Monitor your deductible. You should know exactly how much you need to pay to meet your deductible. If you meet your deductible early, plan to receive extra preventative or needed medical care to avoid using your credit card and getting into credit card debt.