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Tips about Health Insurance

New From MDA Check Up eNews…

January 2019

“5 tips to get the most out of your Health Insurance in 2019”

“Tip #1: Make sure you understand your health plan. For example, by law, all individual and small group health plans include 10 “essential” benefits. Pay close attention to the benefits that are available with no copay or coinsurance before your deductible is met.”

“Tip #2: Schedule annual preventive service tests and screenings. All insured health plans and many other plans cover a comprehensive list of preventive services without charging you a copayment or coinsurance. Your deductible does not apply!”

“Tip #3: Make the most of your plan if you max out your deductible. Once you’ve met your deductible in most plans, you’ll pay significantly less out of pocket for any health care you use above and beyond that. So when you meet your deductible for the year, schedule other services you need at a decreased cost.”

“Tip #4:  Stick with in-network providers. The lowest charges are for doctors, hospitals, and labs that participate in your insurance network. Also check to make sure doctors who treat your children are in-network providers.”

“Tip #5: Take advantage of your plan’s freebies and incentives

  • The MDA Health Plan has free onboarding software with EaseCentral, a free mobile app, and some plans have health assessments and healthy living rewards.
  • Blue Cross Blue Shield of Michigan plans have a free mobile app, healthy living education, disease management guidance and discounts, and many plans offer support to help you quit smoking.”

Navigating your insurance is often difficult but it is your responsibility to get the most out of what you are paying for and to understand the fine print and the extras you might be entitled to, be aware.