5 Tips to Get the Most Out of Health Insurance Coverage in 2020
Filed under: Health Insurance
There’s no doubt about it, healthcare in this country is expensive. Fortunately, there are things you can do to maximize the value of every health care dollar you spend. Here are five things to help get the most from your health insurance:
1. Choose a Solid Health Plan
Jonathan Nolan
JPN Insurance Services
Each year you have the chance to review and renew your health insurance plan. Don’t assume that the plan you chose years ago is still the best coverage for your current need. Your situation may change, as well as the coverage offered in the plan itself. Take time to make sure you still have the best plan for your needs.
2. Understand How Your Insurance Plan Works
Not knowing how to use your plan to maximize its use is a surefire way to incur unnecessary costs. Keep the documentation of the benefits you receive when you first enroll and review it as needed. Plan rules and coverage details are critical details to know.
3. Work with an Advocate
Medical billing is notoriously complex. If you are billed for care received, and you don’t know up from down when you read the bill, you can ask for help. Hire a billing advocate for support. If they find any billing errors, they can help you to get it corrected, and you’ll pay for a percentage of what they can save you.
4. Find In-Network Providers
The least expensive medical care is provided by those doctors and medical service providers that are included in your plan coverage network. Medical providers that are “out of network” are not contractually obligated at the low billing rates reserved for members of your insurance plan.
5. Max Out Services After Deductible is Met
If you’ve reached your annual deductible out of pocket costs in a given year, any additional services you may need will be much less expensive. You can schedule checkups and any health care needs at a reduced rate.
Questions about what the best insurance coverage is for you and your family? Contact JPN Insurance Services at (951) 443-9925 for a conversation with an expert. Your needs come first when you work with us.
