Get most out of health care benefits
For many Nebraskans, new health plan benefits began in January, so now is a good time to understand coverage so people can get the most out of their plan, stay healthier and even help save money in 2018.
Many people can save hundreds, even thousands, of dollars a year by learning how to maximize their health plan’s offerings. Here are some tips to help people get the most out of their benefits this year:
Learn the lingo—Make sure to understand basic health plan terms such as deductible, copay, coinsurance and out-of-pocket maximum. A recent UnitedHealthcare survey found that just 9 percent of Americans could successfully define all four of these important terms. Need a refresher course? If so, spend a few minutes to better understand common health insurance terms and your specific plan amounts to help you make more informed decisions.
Know what’s covered—You can usually find your coverage and benefits information on your insurer’s website or in plan documents so you know what’s covered and what’s not. Review this information before you start using your plan and receiving treatment so you’re not surprised by costs later.
Stay in network—Choosing doctors in your plan’s care provider network will most likely mean you’ll pay less. Also, check out 24/7 telehealth services. “Virtual visits” can help save you time and money by providing convenient access to care for certain medical issues including allergies, bronchitis and seasonal flu.