There are several benefits that are included in most health insurance policies that many people are not aware of. These benefits can help you save money. They can even save a life.
Free Medical Exams
One of the more underused benefits of a standard health insurance policy is the free exam that comes with most contracts. Most contracts sold after September 2010 will include a free physical for all insured parties and an OB/GYN exam for mature female insureds.
This benefit can save a life. It can mean that you find an otherwise life threatening condition before it becomes a bigger and is beyond the reach of medical science.
It is important to note, that if there are findings during the exam, it will not be considered a preventive care exam. It may therefore be subject to a copayment or other cost shares.
Most policies allow a father or mother to add their newborn to their policy without any medical questions being asked so long as the request is made within thirty days of the child’s birth. This can make a world of difference for those children who need significant medical intervention as children.
Discounted Medical Care
Your benefits start before your deductible is met. Even if the cost of a prescription or doctor visit is not reimbursed by your insurer, you may still get a benefit from your policy.
If you are insured, you will generally pay a discounted rate, known as the “negotiated rate,” when accessing medical care. You will generally need to use a provider that is in the insurer’s network to get this benefit. This reduces your costs even if the insurance company does not pay any of the cost of the care.
Many insurance policies come with other benefits as well. You may get a discount on your gym membership or be able to get discounts on other health related expenses.
Now that you know more about the benefits of health insurance, be sure to take advantage of them. Get your annual physical. Be sure to contact your insurer within the first few days of a newborn’s life to add him or her to your policy. Be sure to take advantage of the negotiated rates when seeking medical care. Check to see if your policy comes with other benefits that you might want to take advantage of.
Please give us a call or request quotes from this website when you want more information. We can be reached at 203-374-3645 or 1-800 INS-URANce.
We can help you find both low and high deductible health insurance plans. We are appointed with Anthem Blue Cross, Connecticare Solo, Aetna, Cigna and all other private carriers insuring individuals and families.