How to Maximize Your Existing Health Benefits

This article discusses how to use the health benefits you may have to continue a healthy lifestyle.

Difficulty: Moderately Easy

Instructions

Things You'll Need:

• knowledge of the benefits offered by your employer or available in your area

1. First thing first if your employer offers health and dental benefits ENROLL! It may lower the amount you get in your paycheck but the payoff is priceless! Check out which plan is best for you and your situation. It is generally recommended to go with the mid-level plan as it usually covers most health care needs.

2. Find yourself a primary physician. It is a waste of money to enroll and not go for your yearly check-ups and exams. It can actually save you money in the long run. Think of your body like your car or house every now and then you need to do preventative maintenance.

3. If you are sick, go to your primary physician. Most copays are pretty reasonable from $20 to $50. Don't wait til you can't stand the pain or can barely walk! An emergency room bill on average costs $100 to $500 a pop with insurance and can be $1000 or more uninsured.

Tips & Warnings

• Once you start going for check-ups don't stop.
• Most companies also offer medical spending accounts so you can stash away money every paycheck to offset surprise health expenses.
• READ your the terms of your benefits and keep a copy on file.
• NEVER assume something is covered, always call when in doubt.

[edieness]

on 6/17/2009 Great article on How to Maximize Your Existing Health Benefits.5

[amylaine]

on 5/7/2009 Keeping yearly appointments to keep healthy is a great tip.

[Derren]

on 4/30/2009 Thanks on the tips.

[sonni57]

on 4/12/2009 Thanks for the good article on how to get better health benefits.

[carmensjones]

on 4/12/2009 How to Maximize Your Existing Health Benefits was very informative. 5