How to make the most of your insurance plan
Tips on how to maximize your health insurance coverage
Follow these steps to ensure you keep your insurance and use it to the fullest
- Pay your monthly premium on time
- 90 day grace period for those with APTC
- 30 day grace period for those paying full price
- Keep your Health Insurance Card handy
- Know your plan and costs (see attached doc)
- Shop around for cheaper services
- Use In-Network Providers
- Choose a Primary Care Physician, Urgent Care Center, and Hospital- save yourself time for when you are ill and need to use it in a hurry
- Review your bills (40%-80% bills contain mistakes – humana.com)
What FREE preventative healthcare services are available with my health insurance plan?
You must go to in-network for these free services. Obtaining your free, preventative health care services is a great way to develop a relationship with a Primary Care Physician. Then you’ll have someone to call if you get sick!
- Abdominal aortic aneurysm one-time screeningfor men of specified ages who have ever smoked
- Alcohol misuse screening and counseling
- Aspirin useto prevent cardiovascular disease for men and women of certain ages
- Blood pressure screening
- Cholesterol screeningfor adults of certain ages or at higher risk
- Colorectal cancer screeningfor adults over 50
- Depression screening
- Diabetes (Type 2) screeningfor adults with high blood pressure
- Diet counselingfor adults at higher risk for chronic disease
- Hepatitis B screeningfor people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence.
- Hepatitis C screeningfor adults at increased risk, and one time for everyone born 1945 – 1965
- HIV screeningfor everyone ages 15 to 65, and other ages at increased risk
- Immunization vaccinesfor adults — doses, recommended ages, and recommended populations vary: https://www.healthcare.gov/preventive-care-adults/
- Lung cancer screeningfor adults 55 – 80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years
- Obesity screening and counseling
- Sexually transmitted infection (STI) prevention counselingfor adults at higher risk
- Syphilis screeningfor adults at higher risk
- Tobacco Use screeningfor all adults and cessation interventions for tobacco users
https://www.healthcare.gov/preventive-care-adults/