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Is Health Coverage Necessary?
We are always told to get health insurance coverage because you never know when you can fall ill and need that support. However, when you are generally healthy, it can seem like a waste to pay a premium monthly and not use the coverage. Well, lucky for you, there are other ways you can put your health coverage to use when you are feeling in tip-top shape.
Preventive Services
Preventive services are routine health care that includes screening, checkups, and patient counseling to prevent illnesses, diseases, or other health problems. Usually, most health plans will cover a set of preventive services such as shots and screening tests for free as a part of the plan. Of course, this benefit only applies if providers in your network offer these services.
Men, women, and children can expect a whole list of useful services that ensure you remain as healthy as you feel. So, while you may not be using your health coverage because you’re feeling sick, take advantage of the preventive services attached to your plan to guarantee you stay healthy!
Primary Care Provider
When you join a specific health plan, you join a “provider network.” This network includes doctors, hospitals, and other providers who contract with your plan. If there is no urgency with sickness or disease, you can take the opportunity to shop around and find the right primary care provider for you. You can also search for in-network urgent care centers near you so you can always prepare in case the worst happens.
Gym Memberships
A great aid that many health insurance plans offer is free or discounted gym memberships for their members. This benefit can be a great way to take advantage of your health plan when you feel healthy.
Some health insurance plans may have certain requirements you must complete before receiving the discount or reimbursement for the gym membership. For example, they can require going to the gym a specific number of times each month, tracking your fitness on their app, working out at an approved location, or reaching certain health milestones.
Although it may seem like a waste paying for a health insurance plan when you are frequently healthy, you can find other ways to utilize it to help keep you that way.
Have Health Insurance Questions?
We hope this information on using your health coverage when feeling healthy is helpful for you.
Insurance is oftentimes overwhelming and we want to shed light on the industry by answering your questions. Comment below and your question may be the topic of our next post!
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Empower Brokerage wants to help you find the insurance coverage you need and help you save money getting it. Stay on top of your health and give us a call at (844) 410-1320.
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