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Your Health

You got health insurance. Now what?

Jun 28 2016

Congratulations, you signed up for a health plan. But enrolling and paying were just the first steps. The tips below will help you understand and get the most from your new plan:

  1. Keep your documents handy. Once you’re enrolled, you’ll receive your ID card and other plan documents that explain your benefits.
  2. Know your plan. Take a few minutes to review your documents so you understand your deductibles and coinsurance, and what’s covered and how much your plan pays and what you have to pay.
  3. Stay in the network. You can save a lot of money when you stay in your plan’s network of doctors and hospitals. Check to make sure your primary care doctor, preferred hospital and any specialists you see are in the network.
  4. Check how your medications are covered. If you take medications on a regular basis, check to see how they are covered and what your costs may be. You may be able to save with generic drugs and mail order pharmacy.
  5. Know what to expect when you have a claim. Once you start using your benefits, it’s a good idea to know how your bills will be handled. Your plan may even let you track them online.
  6. Sign up for automatic payments. Most insurance companies let you set up automatic payment for your monthly premiums. It’s one less thing you have to remember to do!
  7. Stay well. Take advantage of the preventive and wellness services your plan offers. You may find free or discounted programs for things like healthy eating, yoga and gym memberships.
  8. Stay covered! Like car insurance, we don’t notice the benefit of health insurance until we need it. So stay covered and sign-up for any tools your insurer offers. These are great for tracking claims, comparing costs before your treatment, and more.