We all need support whether we are trying to quit smoking or just trying to live a healthier life. Most people don’t even realize that their health insurance provider wants to help. It’s in their best interest to care about your health so you should take advantage of it. The problem is that most people don’t even realize that their provider is willing to cover certain preventative care screenings and will offer other benefits for achieving specific goals. For instance, I know a lot of companies are offering discounts as an incentive to quit smoking or to lose weight. Most people don’t grasp the fact that an insurance company truly care about their health.
Here are some benefits that you might you are probably getting with your health insurance policy that you don’t even know about!
Free Annual Preventative Care
Preventative testing is proven to lower an individual’s health risks. It ensures you are healthy while lowering the number of payments an insurance company must pay to cover medical expenses. It’s a win for both parties! The fact is that preventative care will help save you money in the long-term and contributes to a healthier life. Take advantage of any free services offered by your policy. Here are a few examples:
- Alcohol Abuse
- Blood pressure screenings
- Diabetes testing
- STD screenings
- Cancer prevention screenings
- Female screenings (mammograms, etc.)
The availability of preventative care is dependent on the policy.
Free or Discounted Weight Loss Programs
Being obese is extremely detrimental to your health. The problem is that most Americans are overweight so it has gotten the attention of health insurance providers. Therefore, most companies now offer free online health coaching and other services for helping their clients lose weight. They actually devote a lot of resources to this end. Make sure that you’re taking advantage of them.
Some policies will also cover certain weight loss programs if it’s recommended by a doctor within their network.
Discounted Gym Membership
This benefit adds to the above in that people who are in shape are usually healthier, therefore it lowers the payouts required by the insurance provider. In fact, most major insurance providers will offer discounted gym membership with their network. If you have a Medicare Advantage plan through a private insurer, gym membership can even be free with the plan! This is advantageous and you should take full advantage of it. Get in better shape and live a healthier life. Everyone wins!
Programs to Quit Smoking
Your health insurance provider wants its members to quit smoking so they are willing to help its members achieve that goal. In fact, tobacco use is an area where millions are spent every year so providers are willing to prevent those costs by providing help. Check your policy for programs that are related to helping you quit smoking. As further incentive, most companies will issue lower premiums once you have quit smoking for an extended period of time.
You need to be sure that you are getting every possible benefit from your health insurance since it’s all built into the cost.