It’s understandable that you want to get the best service possible from your health insurance. Thankfully, there are a number of ways to ensure that you’re getting the full benefit of your health insurance, from understanding just what your insurance covers, to discovering what benefits are available on your plan.
Looking for advice on how to stay healthy in your everyday life, and get the right level of care? Check out our four top tips for getting the most back from your health insurance in 2018:
1.) Understand the Ins and Outs of Your Personal Health Coverage
Depending on the type of insurance plan that you have, how much you need to personally pay for services and the providers that are made visible to, you will change. To fully understand your health coverage, make sure that you get a copy of the ‘Summary of Benefits and Coverage’, which will cover just what your health insurance entitles you to receive.
Your insurance company should provide you with a copy of the ‘Summary of Benefits and Coverage’, or you can also get a copy of the plan from your Marketplace account. Using the summary, there are a number of things that you can check, including:
- The benefits covered
- Your coverage limitations
- The cost sharing rules
2.) Make Sure You Use the Free Prevention Benefits
Each of the different Marketplace plans will provide a range of different preventive services. These are available without you having to pay out at all. Some of the services that you might be able to get, include:
- Patient Counselling
- Wellness Services
- Certain Screenings
To access these, you have to make sure that you’re using a provider that is covered by the network in your plan. You can take a look at the complete list of services that are covered by your plan, here .
3.) Find Out About the Prescription Benefits
It’s important to know just what your health plan can cover your for, especially when it comes to prescriptions, and the types of benefits on offer. Many health plans will provide partial financial assistance for a select range of prescription medications.
You can find out the exact prescriptions that you’re covered for by your plan in a multitude of ways, including:
- Calling your insurance company or visiting their website
- Looking over the ‘Summary of Benefits and Coverage’
- Taking a look at the materials that you have received through the mail
4.) Get a Doctor That Is Covered by Your Plan
A key benefit of health plans is your ability to get the top deals on certain services when you choose to visit a doctor that is covered by the network in your health plan. To truly get the most back from your health insurance, it’s important to find an in-network doctor with full coverage!
Worried that you’re not getting the most back from your insurance, and want more from your plan?