How to Maximize Your Benefits: A Quick Guide for Employees
Having medical, dental, vision, and/or other ancillary insurance through your employer is a valuable benefit—if you know how to use it to your advantage. Here's a quick guide to help you make the most of your coverage:
Understand Your Coverage
Review your policy to know what’s covered under medical, dental, vision, and any additional benefits like life or disability insurance.
Pay attention to co-pays, deductibles, and out-of-pocket limits to avoid surprises.
Use In-Network Providers
Save money by visiting in-network providers. Check the insurance provider’s directory to find doctors, dentists, and specialists who are covered.
Schedule Preventive Care
Many plans offer free or low-cost preventive care, like annual check-ups or eye exams. Taking advantage of these can prevent more costly treatments down the road.
File Claims on Time
Make sure to file your claims as soon as possible. Some plans have a window for submitting claims, and filing early helps avoid delays.
Understand Your Prescription Benefits
If you need medication, check your insurance provider’s formulary list (the list of covered drugs) to see if a generic or preferred brand option is available to save money.
Contact Us for Support
As your brokers, we’re here to help with any questions or issues. If you’re unsure about your benefits, or if you need assistance filing claims, don’t hesitate to reach out.
By understanding and using your benefits wisely, you can reduce out-of-pocket costs and take better care of your health!
