ISG Benefits and Insurance Services Blog
How to Maximize Your Medical Insurance
The year is about to end, and the last thing on your mind right now is whether you've maximized your medical insurance so far. If you haven't, it's not yet too late to maximize what you've paid for. Many insurance plans would reset once the new year comes, and all you've paid for will go to waste if you don't maximize it.
If you haven't met your limit yet, it's time to schedule that procedure you've been meaning to get. It doesn't have to be a big procedure, and you can get simple bloodwork done, or a routine executive check-up. Once the new year hits, you'd have to pay for a new subscription for your medical insurance, when you haven't even maximized what you paid for in the previous year.
Visit Your Doctor and Refill Your Prescriptions
Make a checklist of the medicine you need refilling before the year ends and get a new prescription from your doctor. After you've received your new prescription, you can buy your medication in advance and fall under your existing coverage. Once the new year starts, a lot of people renew their insurance policy, which in turn delays them in assisting you.
Check What Travel Benefits You Have
Are you planning to go on a trip? Check your medical insurance if it includes “out-of-work” benefits. This means that in case something happens to you while you’re on a trip, you’re still insured by your policy. Not a lot of people are aware of this benefit, especially if it is a group policy. Most insurance companies would already consider this as a standard, so it’s best to ask your insurer if they have this option for you.
Review Your Medical Insurance Policies
To sum it all up, it doesn't hurt to do due diligence on your part and check what type of medical coverage you have with your insurer. Reviewing your contract with them allows you to check whether you've maximized all the benefits you ought to receive and whether you still have enough left to schedule a procedure, among others.
Don’t wait until the next year to come to find out that you’ve wasted your medical insurance.
At Insurance Savings Group, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (661) 432-1474. Get your free quote today by CLICKING HERE.
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