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Get The Most Out Of Health Insurance - Tips & Tricks For 2019

Edward Neeman Published: January 15, 2019 Updated: January 15, 2019

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Each year, it seems the cost of staying covered is hitting some sort of new record, and not in a good way. In order to take advantage of comprehensive health insurance benefits, Americans are forking over hundreds, even thousands of dollars each month in premiums alone. What a lot of people don’t know, is that there are some health insurance tricks that can help you get the most out of your coverage. Some of these tips may surprise you.

Start By Finding The Perfect Plan For You

Your health insurance benefits should be geared to your needs because not everyone will require the same type of plan. For example, you want to consider whether or not you’ll be adding dependents to your policy, in which case, you’ll want to shop for family coverage. Another example would be if you take medication, or have a pre-existing condition. If that were the case, then you want a plan that has both a low deductible and copay.

Plans and pricing vary, and so do the needs of individuals like yourself. For that reason alone, the best health insurance tip is finding a plan that covers all your basic needs.

Where To Start

You have a couple options when it comes to starting your search for the perfect health insurance plan. First, you’ll want to have a good understanding of the plans available in your area. For the most part, you can choose from the following:

Each of the above links will teach you more about the type of coverage, and help you determine if it’s a good fit for you. Another great place to start is by reading up on reviews of some of the major health insurance companies in your area. See what other members and policyholders are saying, and you may even find some good insight on some hidden benefits and tricks.

If you don’t feel comfortable picking a plan on your own, which is completely understandable, then talking to an experienced agent can give you great insight into the direction you should go. Brokers and agents are professionals in the field, which is why so many people still go through one. FirstQuote Health makes finding an agent or brokers simple, and we can even help you compare health insurance quotes. Don’t be afraid to start your search with us.

More Tips To Get The Most Out Of Your Coverage

Getting the most out of your health insurance may start with finding the right plan, but it goes far beyond that. Most policies have a set of base benefits, often referred to as minimum essential coverage. Which means, regardless of which you plan you choose, there are certain tips and tricks that will help you take advantage of little-known secrets.

Now, there’s a likely chance that you’re already familiar with some of these, but the trick is to actually use these benefits. You’d be shocked to find out just how few Americans actually take advantage of their health insurance benefits, which can save you some serious cash down the line.

Finding A Primary Doctor You Like

Finding a good primary doctor or physician is one of the hidden keys to getting the most out of your health coverage. Think about it, your primary health provider is often the one who knows your needs best and understands your medical history. They are also the one who you need to see on a regular basis and will help get you the care you need through referrals.

With most plans, seeing your primary care doctor is way more affordable than going to urgent care, so make sure you schedule appointments routinely and make your healthcare point of contact is available in emergency situations as well. Don’t be afraid to take your time finding a doctor you like, it’s one of the most important health insurance benefits available to you.

Don’t Skip Out On Free Preventive Services

Preventive care is one of the keys to remaining healthy, yet a surprisingly small number of Americans actually seek out healthcare services if they don’t consider themselves sick. Here’s a secret, preventive services are the key to a long, healthy, and happy life.

It’s easier and more affordable to treat illness, injury, or disease if they are caught early on. For that reason, scheduling and showing up for you preventive services will not only keep you in tip-top shape but will actually save you money down the line. This is one of the most underutilized health insurance benefits and is key to helping you get the most out of your coverage.

Understand Your Prescription Benefits

Do you know how your prescription coverage works, or if drugs are even covered under your plan? Well, it’s time you find the answers to both of those questions.

Americans spend significantly more than most other countries when it comes to medication, but if your plan has you covered, then you may not have to fall into that category.

Stay In-Network When Possible

Your network is important to give you the coverage that you need, and it’s always a good idea to stay in-network. Going out-of-network can end up costing you an arm and a leg. What’s worse is, your health insurance company may not even cover your costs if you leave their network.

Take Advantage After You Reach Your Deductible

Once you have reached your deductible, your out-of-pocket expenses will be almost non-existent (though you may need to reach your out-of-pocket maximum for this to work). Get whatever you need to be done after this point, in order to save money. Many people benefit in this way, and you can too. Keep all of your records so that you will always know how close you are to reaching your deductible amount.

Utilize Added Benefits - Like Wellness Programs

Using wellness programs are excellent, and they are one of the health insurance tricks that will help you out a lot. They have covered programs that are really beneficial to you, because they offer you ways to improve your health, both physically and mentally. With a selection to pick from, utilize these programs for your peace of mind. You’d be surprised by some of the health coverage benefits you may be entitled to. They may include:

  • Workout classes
  • Fun runs
  • Gym discounts
  • Drug programs
  • Mental health visits
  • Dietician services
  • Stress management

Find Coverage Today With FirstQuote

There are a ton of little health insurance secrets you may not know about, and that’s ok. Healthcare is such a complex field, that it requires you to be working full-time to understand every detail. Luckily, FirstQuote Health is dedicated to making sure you not only find the best plans but get the most out of your health insurance each year.

If you’re looking for health insurance quotes, or just want to speak to an agent with no obligation, FirstQuote Health has you covered. To get started, all you have to do is enter your zip code, and you’ll be able to instantly compare quotes in your area. Get started, and begin taking advantage of all the health insurance tips and tricks today.