Here are some simple steps to get organized now so you can get the most of your health insurance plan across 2020:
1. Get Connected. There are several ways to easily check your health plan information and do so much more. By creating a personalized account on your carrier’s website or download their app, members can access claim activity, manage referrals and even securely chat with us online.
2. Pick a primary care doctor. Your first source in health care is your primary care provider, or PCP. This professional offers annual wellness check-ups, cares for everyday illnesses and can help manage chronic conditions.
3. Schedule your annual exams. Now that you have a PCP, make sure to plan for your annual preventive visit. If you see any specialists on a yearly basis – such as an OB-GYN – look into making those appointments too.
4. Understand your coverage. Knowing which medical services are covered by your health plan can help ensure you receive the best care while avoiding added costs or unnecessary stress. For example, many preventive services are covered at no cost to you. Plus, your coverage may offer some unexpected benefits like gym discounts or identity theft protection.
5. Explore money-saving tips. Insurance carriers are constantly striving to help make health care more affordable. To help you control out-of-pocket costs, make sure you:
- Use in-network doctors or hospitals, typically result in lower expenses for you.
- Ask your doctor to prescribe generic drugs instead of brand names, as they have equivalent performance and safety but cost less.
- Consider visiting an urgent care center instead of the emergency room depending on your health issue.
- Live a healthy lifestyle, because a good diet, regular exercise and avoiding tobacco and excessive amounts of alcohol can reduce your risk of many diseases and keep you out of the doctor’s office
Wherever 2020 takes you, a little upfront planning can make the journey easier and healthier. Cosmo Insurance Agency will be there all along the way. For specific questions about your plan and coverage, call us at 732-363-3888.
Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.
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