The new year is here – it’s time to get a handle on your insurance plan and understand what’s covered.
“The turn of the new year marks a good time to review your current coverage and available options,” said Sherrie Troutman, benefits manager at KentuckyOne Health. “Participants need to ensure they understand the specifics of their particular health plan.”
Troutman offers a few practices for maximizing your plan in 2017 and helping you select your 2018 coverage:
- Boost your overall health by staying up to date with recommended immunizations and screenings. “Talk with your doctor or primary care provider about which screenings and immunizations you should get,” Troutman said. “Many recommended screenings and immunizations – like routine childhood immunizations, the flu shot, mammograms and Pap tests for women, and osteoporosis screenings for older adults – are typically covered in full by your insurance company.”
- Understand the specific in-network and out-of-network coverage benefits of your plan. Using in-network providers leaves you with a smaller out-of-pocket cost.
- Know your out-of-pocket balance. Look up the details of your plan to find out what your out-of-pocket limit is and what is remaining. You will not maximize your benefits until your deductible, out-of-pocket maximum and other plan requirements are met.
- Keep track of the number of visits with your doctor you have in 2017 aside form annual wellness checkups and other preventive services. This can help you decide whether a traditional plan or high-deductible plan will better suit your future health care needs.
- Take charge of your health and well-being by scheduling an annual wellness visit, or checkup, as well as other preventive screenings with your primary care provider each year. “These visits are the cornerstone of preventive care and are covered 100 percent,” Troutman said. “Preventive screenings are crucial for finding health problems before symptoms begin, when most conditions are easiest to treat.”
And, finally, don’t forget to investigate health and wellness programs and incentives offered through your workplace.
“Employee Assistance Plans provide a wealth of information and assistance, such as face-to-face counseling, legal and financial services, and online resources, to help manage stress and work-life balance as well as improve both mental and physical health,” Troutman said.
This article originally appeared in the Winter 2017 edition of One Health Magazine. Want more health and wellness information like this? Subscribe to One Health Magazine to hear from experts on how to take control of your health.