IN­SUR­ANCE

The News Herald (Willoughby, OH) - - Advertising - Laura Mut­sko Mut­sko In­sur­ance Ser­vices, LLC 6982 Spinach Drive, Men­tor, OH 44060 440-255-5700 www.mut­skoin­sur­ance.com Laura Mut­sko Agent, CSA and Cer­ti­fied Health­care Re­form Spe­cial­ist

Q: How can I make the most of my health in­sur­ance ben­e­fits in 2019?

A: Many peo­ple think about their health in­sur­ance only when they have a doc­tor’s ap­point­ment or a health emer­gency. The truth is they are prob­a­bly over­look­ing a num­ber of en­hanced ben­e­fits that are de­signed to en­cour­age a healthy life­style. A num­ber of my clients have been pleased to learn they are en­ti­tled to one or more of the fol­low­ing ben­e­fits with their 2019 cov­er­age: A gen­er­ous al­lowance for ap­proved non-pre­scrip­tion, over-the-counter drugs and health re­lated prod­ucts. Trans­porta­tion to and from health re­lated ap­point­ments. Cov­er­age for al­ter­na­tive medicine, in­clud­ing acupunc­ture and ther­a­peu­tic mas­sage. Money-sav­ing dis­counts on a num­ber of na­tion­ally rec­og­nized weight loss pro­grams. Free fit­ness club mem­ber­ships. Sil­ver Sneak­ers pro­vides ac­cess to more than 15,000 fit­ness fa­cil­i­ties across the na­tion in ad­di­tion to a wealth of on­line classes and other re­sources es­pe­cially for older adults.

Help kick­ing the habit. Many plans, in­clud­ing Orig­i­nal Medi­care, of­fer sup­port to help you quit-smok­ing. These may in­clude coaches, hot­lines, sup­port groups, or dis­counts on prod­ucts to help you quit. Sched­ule your den­tal check-up early in the year so you take ad­van­tage of two check­ups in 2019, if they are cov­ered. If you have vi­sion cov­er­age, learn which physi­cians and vi­sion care pro­fes­sion­als par­tic­i­pate in your plan and set up an ap­point­ment to get checked. Be sure to take ad­van­tage of any other free­bies, in­clud­ing check­ups and any im­mu­niza­tions you need to up­date. Take some time to be­come fa­mil­iar with your in­sur­ance in­for­ma­tion (called the Sum­mary of Ben­e­fits) or go on­line to learn more about your cov­er­age. Ev­ery plan is dif­fer­ent. Each provider will prob­a­bly re­quire you to use spec­i­fied doc­tors, ven­dors and other pro­fes­sion­als in their net­work so check with your in­sur­ance agent or in­sur­ance provider be­fore you as­sume you are cov­ered.

If you have ques­tions on health in­sur­ance, in­clud­ing Medi­care Ad­van­tage Plans, Medi­care Sup­ple­ments, vi­sion or den­tal in­sur­ance or would like to learn more about plans with en­hanced ben­e­fits, please give me a call at 440255-5700 or email me at Lmut­[email protected]­skoin­sur­ance.com. We will set up an ap­point­ment to dis­cuss your in­sur­ance needs.

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