The key to getting the most benefit from your health insurance policy is knowing your policy coverage.
Many people don’t actually read the policy for the policy plan book; they may not be aware that the policy may pay 100% of certain procedures, like annual physicals, mammograms, flu shots or certain labs tests.
The policy plan book will outline for you what procedures are not subject to the deductible or co-pay (your out-of-pocket expense).
Some insurance companies have shifted their emphasis from health insurance to health improvement and maintenance and will pay for the cost of gym membership, nutritional counseling or plans to stop smoking.
If you were trying to lose weight and knew that you could get these services at no cost, wouldn’t you take advantage of them?