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.