Avoid These Common Health Plan Mistakes (and Save Money)
With various options and complex terms, it’s easy to take wrong steps that impact your wallet, health and well-being. But fear not! This guide will help you navigate the waters and avoid common pitfalls, ensuring you find a plan that fits your needs and budget too.
Mistake #1: Auto-renewing blindly
Just like any subscription, blindly renewing your current plan might not be the best option. Do your research: Take some time to compare different plans to ensure you’re getting the most value for your healthcare needs and budget.
Mistake #2: Not understanding your coverage
Deductibles, co-pays, in-network, out-of-network…these terms can be confusing! But understanding them is crucial. Learn what they mean to make informed choices about your coverage and avoid unexpected bills.
Mistake #3: Skipping preventive care
Regular checkups and screenings aren’t just good for your health, they can save your money in the long run by catching problems early. Make preventive care a priority, as many plans cover it at little to no cost, helping you stay healthy and avoid potential financial burdens.
Mistake #4: Not using online tools
Most health plans offer online portals where you can manage your care. Take advantage of these tools to view claims, manage prescriptions, and even chat with customer service, making it easier to stay organized and informed about your health journey.
Mistake #5: Ignoring the network
Choosing out-of-network providers can lead to significantly higher costs. Explore the provider network offered by your health plan provider company to find in-network doctors and specialists near you. This helps you stay within budget and avoid unexpected financial surprises.
Bonus tip: Talk to a licensed health plan agent! They can answer your questions, help you choose the right plan, and even negotiate on your behalf. The Harbor Group’s team is happy to assist you! Explore our variety of health plan options designed to keep you afloat financially and well on your wellness journey.
Remember: Choosing the right health plan is an important decision for both your financial and physical well-being. By avoiding these common pitfalls and using available resources, you can navigate the path towards a healthier you and a healthier wallet.
To know more about how an affordable health plan can empower you, do check out our previous blog, “Say Goodbye to Stressful Medical Costs: Get An Affordable Health Plan Today!“
Published on: Feb 9, 2024