Getting the Most from Your Health Insurance

Most health insurance plans offer you resources, tools and even access to discount programs for health-related services and products. For example, some plans offer weight loss or smoking cessation programs. Here you’ll find some helpful tips for making your health insurance plan work for you.

  • Stay in your network of providers. Most health plans have negotiated discounts with doctors, hospitals and other health care professionals within their network. That usually translates into lower out-of-pocket costs to you. Contact your insurance company to find a doctor nearby in your network.
  • Use the Emergency Room (ER) for emergencies only. Real emergencies warrant a trip to the closest ER. However, you can usually save by scheduling a visit to your doctor for colds, minor sprains and other less serious conditions or by visiting an urgent care center.
  • Use generic drugs. Generic drugs are the most affordable drugs and offer you the lowest available copay. Generic drugs are pharmaceutically and therapeutically equivalent to brand-name drugs and cost less.
  • Use freestanding medical service facilities. You can generally lower medical expenses by scheduling laboratory work, imaging and other outpatient services at freestanding medical service facilities instead of a full-service or general acute care hospital.
  • Double-check your coverage. Make sure services or treatments are covered before you schedule your next visit.
  • Stay healthy. Do your best to eat right, exercise and get regular health screenings. Encourage all family members to live a healthy lifestyle too.
  • Conduct an “annual check-up” of your health insurance plan. Make sure the insurance plan you have still meets your needs. This is especially important if you have experienced any significant life-changing events in the past year, including the birth of a child, removal of an adult child from your health care policy, marriage or divorce.

Helpful Materials

We offer helpful materials for you to download and keep in case you need some additional information for the New Health Care Law.

View materials »

Key Dates

November 1st, 2016:
Open Enrollment begins

January 31st, 2017:
Open Enrollment deadline

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