How To Maximize Your Health Insurance - Uncover Hidden Free Benefits!
The key to getting the most benefit from your health insurance policy is knowing your policy coverage. Many people don't actually read the policy for the policy plan book, which means that they may not be aware that the policy may pay 100% of certain procedures, like annual physicals, mammograms, flu shots or certain laboratory tests.
The policy plan book will outline for you what procedures are not subject to the deductible or co-pay (your out-of-pocket expense). Basically, what the deductible is is the amount that you have to pay before your insurance kicks in and covers the rest. On the other hand, co-pay is the amount that a patient is responsible for at the time they visit a physician or hospital, or have a prescription filled. The patient is responsible for this up-front fee, while the insurance provider covers the remaining cost of a medical service or prescription.
Some insurance companies have shifted their emphasis from health insurance to health improvement and maintenance and will also pay for the cost of your gym membership, nutritional counseling or plans to stop smoking.
If you were trying to lose weight and knew that you could get these services at no cost, wouldn't you want to take advantage of them?
If you wanted to quit smoking, wouldn't it be beneficial to know that you could get a smoking patch for free?
It is very wise to know what services are available to you through your insurance company, and you will only know if you take the time to read through your policy.
Health insurance is an expensive item. It goes without saying that you should take advantage of every aspect of it that you can - squeeze out every drop of health coverage so not only you will benefit from discounted health plans, medical checkups and free smoking patches but also your family as well.
By taking full advantage of the free benefits of your health insurance policy, you will be healthier and possibly require fewer visits to your doctor.
The policy plan book will outline for you what procedures are not subject to the deductible or co-pay (your out-of-pocket expense). Basically, what the deductible is is the amount that you have to pay before your insurance kicks in and covers the rest. On the other hand, co-pay is the amount that a patient is responsible for at the time they visit a physician or hospital, or have a prescription filled. The patient is responsible for this up-front fee, while the insurance provider covers the remaining cost of a medical service or prescription.
Some insurance companies have shifted their emphasis from health insurance to health improvement and maintenance and will also pay for the cost of your gym membership, nutritional counseling or plans to stop smoking.
If you were trying to lose weight and knew that you could get these services at no cost, wouldn't you want to take advantage of them?
If you wanted to quit smoking, wouldn't it be beneficial to know that you could get a smoking patch for free?
It is very wise to know what services are available to you through your insurance company, and you will only know if you take the time to read through your policy.
Health insurance is an expensive item. It goes without saying that you should take advantage of every aspect of it that you can - squeeze out every drop of health coverage so not only you will benefit from discounted health plans, medical checkups and free smoking patches but also your family as well.
By taking full advantage of the free benefits of your health insurance policy, you will be healthier and possibly require fewer visits to your doctor.
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