How Can My Health Plan Help Keep Me Healthy?
Many people think of health insurance as something you use only when you’re sick or injured. But most health plans include features designed to help you stay healthy, whether it’s through regular check-ups and screenings or access to important health information. Many plans even offer wellness programs, tools, and incentives to give you that extra motivation to make healthy choices.
Getting preventive care, such as immunizations and screenings, helps you and your family stay healthy, and it can even help you save money on out-of-pocket costs. Immunizations can keep you and your children from getting common diseases. Health screenings and tests can help your doctor diagnose high blood pressure, cancer, and other serious diseases early, when they are easier and less expensive to treat. Preventive care may help you avoid health problems and may even save your life.
Most health plans are required by the health care law to provide 100 percent coverage for certain preventive care services, so that you don’t have any out-of-pocket costs. Talk with your doctor to see which tests are recommended for you.
Health information you can trust
Your doctor is always the best resource for health information, but there are plenty of other options available. For example, Independence Blue Cross offers:
- Registered Nurse Health Coaches available 24/7 for general health questions
- Online tools to help you estimate treatment costs, research symptoms, and even track your own personal health goals
- Secure member website that gives you access to information on your particular health plan and benefits
- Reminders to get important screenings
Incentives for making healthy choices
When it comes to making healthy choices, a little motivation can go a long way. Check with your health insurer, because they may offer some type of wellness incentive. You may be able to get discounts or reimbursements to help you reach your health goals. Independence Blue Cross offers discounts on gym memberships, fitness gear, and other health-related products, plus reimbursements for working out, losing weight, or quitting smoking. Find out what your health insurer has to offer, and take full advantage of it. Your health (and your wallet) will thank you for it!
Help managing chronic or complex conditions
Managing a chronic condition, like asthma or diabetes, or a transition from hospital to home can be a lot to handle. The quality of your health depends on how well you can manage your condition, which may include balancing prescription drugs, nutrition, and lifestyle changes, along with ongoing check-ups and tests. Many health plans can give you access to the information and support you need to make the best possible choices for your health condition. Ask your health insurer whether you’re eligible for any condition management or case management support. And if there are prescription drugs that you take regularly for your condition, remember to look into mail-order service as it may just save you some time and money.