(712) 476-8000
1202 21st Avenue Rock Valley IA 51247
Generic selectors
Exact matches only
Search in title
Search in content
Search in posts
Search in pages

Make the Most of Your Investments in Health

Your health insurance coverage might not be on your mind during this busy season of harvest, fall sports, Halloween and the changes in the weather.

But it should be. October on the calendar should be a reminder to us all to maximize the money we’ve invested in our health. Individuals and families with coverage have many incentives to make this month one of action, and they’re not all based on our wallets. Here are three easy steps we can all take to ensure we make the most of our health coverage.

Read, Review and Respond

The best place to begin is with a thorough re-reading of your policy and all the features that come with it. Studies show, year after year, that about 80% of Americans leave freebies, such as preventive exams, screenings and other preemptive steps, on the table. Read your policy and if you’re not sure of something, use the customer service phone number to get answers. If you’ve invested in a health savings account (HSA) or similar program, double-check how they work and whether or not you can roll them into next year. If you, cannot, put them to use, for you or your family.

Plans and Appointments

Once you’ve reviewed, it’s time to respond and make those appointments, be it for flu shots and other immunizations that are due, or for other exams or checkups. Do it for everyone on your policy – start setting those appointments this week. Every step of prevention we take today will pay off in the long run, for both our bottom lines and for our overall quality of life. You might have discounts for wellness programs, too. So get enrolled to save.

You Earned It – So Use It

During your review, you likely found where you stand in terms of your deductible, and if you’ve met it, take advantage of opportunity to have procedures or exams you postponed completed before the end of the calendar year. Whatever you need to have done – get it done now to save money. That’s a common-sense way to use money you’ve already invested and make the most of your coverage. So get your skin checked if you work outdoors, or if the time has come for new glasses and contacts, make that appointment and get in to have your vision exam. Keep in mind, you may have an out-of-pocket maximum to consider, and your policy may include co-insurance costs.

Insurance is an annual thing, like the corn going from bright green to golden. Just like the crops, the timing of each step is important. Don’t delay your “harvest” of services and care essentials you have coming to you. You can call Hegg Medical Clinic at 712-476-8100, and count on us to help you set up those exams or answer those questions.

We look forward to seeing you healthy – and happy – this autumn.

Translate »
X
X