Getting the Most Benefit Out of Your Health Policy
The key to getting the most benefit from your health insurance policy is being familiar about your policy’s coverage. Numerous individuals don’t actually examine the policy, they may not even be aware that the policy may pay 100% of specific procedures, like yearly physicals, mammograms, flu shots or other beneficial lab tests.
The policy will summarize for you what procedures are not subject to the deductible or co-pay (your out-of-pocket expense). Some insurance companies have shifted their emphasis from health insurance to health improvement and self preservation and will even compensate the cost of gym membership, nutritional counseling or plans to end smoking.
If you were trying to drop weight and knew that you could help doing so for free, wouldn’t you take advantage of them? If it was your aim to stop smoking, wouldn’t it be helpful to know that you could get the patch at no cost? It is very judicious to know what services are available to you through your insurance company, and you will only know if you take the time to thoroughly read your policy.
Health insurance is a costly item; take advantage of every facet of it that you can, not only for yourself but for the members of your family. You should take full advantage of your health insurance policy. Your agent should go over the summary with you.