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ARTICLE Getting the Most of Your Plan Benefits

Getting the Most of Your Plan Benefits

When you enrolled in your health care plan, you probably received information that describes all your benefits. We know it's a lot of information to digest. But trust us. It's worth taking a look before you need to use your benefits.


Know your medical benefits

Before you visit a doctor, find out what medical services are covered by your plan so you're not surprised. In particular, make sure to read the Certificate of Coverage and Summary Plan Description. And if you have questions, call the number on the back of your insurance card. You should also find out what your out-of-pocket costs might be for each type of visit, test or procedure.

Learn about preventive care options

This may sound like a broken record to you by now, but preventive care is a great way to avoid sickness and stay healthy.

Many plans cover annual check ups, screenings and tests. Find out what your plan covers. Be sure to take advantage of any health and wellness discounts offered by your plan. Look for savings on things like fitness clubs memberships, nutrition counseling, weight loss programs and smoking cessation resources.

Understand your prescription drug and pharmacy benefits

Learn how to better understand your prescription drug and pharmacy benefits. Go to Getting the Most of Your Medications for details.