Essential Mid-Year Health Check: Optimize Your Wellness with Your Health Plan!

Your health insurance is more than just a safety net for emergencies; it’s a valuable resource for your overall well-being. It supports you in managing both routine and unexpected medical needs.

A common idea is that health insurance is only for when you’re sick. Alex Hargrove, a Senior Account Manager at Select Health, sees it differently. “Your health insurance isn’t just for emergencies—it’s a toolkit. Using it regularly leads to better health outcomes,” he says.

Here are three easy steps you can take right now to get the most out of your health plan:

1. Schedule Regular Check-ups

Even if you feel fine, visiting your healthcare provider regularly is crucial. The Centers for Disease Control and Prevention says preventive care could save over 100,000 lives each year in the U.S. You may not need to visit your doctor every year, but regular check-ups can catch issues early.

Most health plans cover a range of preventive services at no extra cost. These include screenings like cholesterol tests and cancer checks, as well as immunizations for diseases like flu and measles. Always ask your provider or health insurer about what preventive services you should get.

Alex emphasizes, “Think of preventive care like maintenance for your body. You wouldn’t wait for your car to break down before getting an oil change.”

2. Take Advantage of Prescription Drug Coverage

Prescription medications can get pricey. Many people are unaware that their health plans often include discounts on prescriptions. If you haven’t checked in with your insurer, you could be missing out on saving opportunities.

Select Health has partnered with Rx Savings Solutions to help members find lower-cost medications, including generic versions. They also work with Mark Cuban Cost Plus Drugs to offer more than 1,000 prescription products at potentially lower prices.

Members can log in to the Select Health portal to review covered medications and find cost-effective options. Hargrove warns, “If you haven’t explored your plan’s pharmacy tools, you might be missing out on significant savings.”

3. Use Your Wellness Benefits

Many health plans come with wellness perks that you might not know about. These benefits can make a big difference for you and your family.

“Wellness rewards turn healthy choices into real value,” says Hargrove. Explore your plan to see what wellness benefits are available to you. For Select Health members, detailed information is available online. Utilizing these rewards can lead to both better health and financial savings.

In summary, your health insurance is designed to support your medical needs and help you lead a healthier life. By taking these three steps—scheduling check-ups, optimizing your prescription coverage, and using wellness benefits—you can make the most of your plan.

For more information about your coverage options, visit Select Health or call 1-855-442-0220.

Expert Insight

A recent survey from the Kaiser Family Foundation shows that nearly 80% of Americans agree that preventive care is essential. However, many don’t utilize these benefits fully. Awareness is key—regularly engaging with your insurance could lead you to better health and significant savings.

Understanding and maximizing your health plan can lead to healthier living and secure financial outcomes for years to come.

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