published to May 26, 2016
Having health insurance is an important first step towards good health. Here are his three ways to get the most out of your health insurance.
find a reliable provider
Finding a doctor you can trust is important, even if you don’t need treatment right away.
you can usually get the best deals Choose someone in your networkIf you see an out-of-network doctor, you may end up paying more or not being compensated at all.
To find a doctor for your health plan, or to see if your current doctor is in the network, visit your health plan website and check the provider directory. Then call your doctor directly to check.
Understanding your deductible
Your health insurance deductible is the amount you pay for most covered medical services before your plan begins paying your share. If the deductible is $250, he pays $250 himself for medical bills and then he only pays $1.
And if the deductible is $3,000, that’s what you pay yourself.
It’s important to know which services in your plan are not covered by your health insurance deductible. Some plans offer primary care visits at your own expense before meeting the deductible. Some even offer discounts on medicines, including generics. Some offer free disease control programs.
Before reaching the deductible, read the plan materials carefully to see what services are covered. If you have any questions, please call your insurance company.
Access preventive health services
All Marketplace plans are recommended preventive medicine Before meeting the deductible, free of charge, including:
For more tips on how to use your new coverage, please visit: Coverage to Care Roadmap (PDF).