So you haven’t been sick yet this year… that’s a good thing, but it can also make you think frustrating thoughts about paying your health insurance premium! We totally understand, and we want to ensure you are getting the most out of your benefits, which is why in this blog post we are sharing some tips for getting the most bang for your buck when it comes to your health insurance.
First, if you have not already, select your primary care physician. Believe it or not, a lot of people do not have a primary care physician, and if you do not choose one, your policy may assign you one. This can become a big deal with some plans if you have a primary care physician that you prefer, but have not selected him/her as your “PCP” through your insurance policy. How? Well, let’s say you wake up sick tomorrow and want to make an appointment with your doctor, but when they go to verify your insurance, they discover they are not assigned as your primary care physician. Unfortunately, at this point, if you call to update your PCP, it could take several days to process, leaving you to potentially feel worse or end up having to pay out of pocket for your visit. If you do not have a physician you prefer, and your insurance has assigned your PCP for you, you could still face issues if you do not take action now and wait until you become ill. Some physicians do not see new patients each day, and if you wait until you are sick to call to schedule a visit, then you could again be waiting several days or weeks before you can be seen.
The way to avoid these issues leads us to our next step… schedule your preventative services.
Most insurance plans cover preventive services such as an annual exam. If you have not had your physical yet, now is the time to schedule it! This not only allows your doctor to get to know you and your body better, but it also helps you work out any of the above issues without waiting until you are sick and hoping for a same or next day visit. Furthermore, taking advantage of preventative services such as routine blood tests, shots, check-ups, and screening tests can prevent illnesses, disease, and other health problems, as well as to detect disease at an early stage when treatment is likely to work best.
Last, but not least, we want to reiterate how important having health insurance is, even if you do not get sick often. Did you know that most people who file bankruptcy often do so because of medical bills resulting from an unpredictable accident? No one plans, nor wants to be sick or injured, but an illness or accident can happen to anyone. Having health insurance not only becomes vital when sickness or injury strikes, but it also can help to prevent illness if you utilize your plan for routine preventative care, as well as see the doctor at early signs of pain or symptoms.